Reference Information {#credentials-ref-info-intro} =================================================== This section contains this helpful reference information when processing credentialed transactions. Payer Authentication Values {#credentials-ref-info-payerauth} ============================================================= This section describes the possible payer authentication values you can include in the [processingInformation.commerceIndicator](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/processing-info-aa/processing-info-commerce-ind.md "") request field. The level of security in payer authentication is indicated by the two-digit e-commerce indicator (ECI) that is assigned to the transaction. These values have text equivalents that are assigned to the processingInformation.commerceIndicator field. The American Express, China UnionPay, Diners, Discover, and Visa card brands use `05`, `06`, and `07` digit values to express the authentication level for a `3-D Secure` transaction. | ECI Value | Meaning | Visa | Diners | Discover | China UnionPay | American Express | |:----------|--------------------------------------------|:---------------------|:-------------|:---------------|:-----------------------|:-----------------| | `05` | Authenticated | vbv | pb | dipb | up3ds | aesk | | `06` | Attempted authentication with a cryptogram | vbv_attempted | pb_attempted | dipb_attempted | up3ds_attempted | aesk_attempted | | `07` | Internet, not authenticated | vbv_failure/internet | internet | internet | up3ds_failure/internet | internet | [Text Values for ECI Values] Mastercard and Maestro cards use 00, 01, 02, 06, and 07 digit values to indicate the authentication level of the transaction. | ECI Value | Meaning | Mastercard/Maestro | |:----------|:------------------------------------------------------------------|:-------------------| | `00` | Internet, not authenticated | spa/internet | | `01` | Attempted authentication | spa | | `02` | Authenticated | spa | | `06` | Exemption from authentication or network token without 3‑D Secure | spa | | `07` | Authenticated merchant-initiated transaction | spa | [Mastercard/Maestro Text Values for ECI Values] Relaxed Requirements for Address Data and Expiration Date in Payment Transactions {#payments-relax-reqs} ======================================================================================================== With relaxed requirements for address data and the expiration date, not all standard payment request fields are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. Requirements {#payments-relax-reqs-reqs} ======================================== You must contact customer support in order to enable relaxed requirements for address data and expiration date. Services {#payments-relax-reqs-services} ======================================== Relaxed requirements for address data and expiration date are supported for these services: * Authorization * Capture * Stand-alone credit * Subscription create * Subscription update Relaxed Fields {#payments-relax-reqs-fields} ============================================ > IMPORTANT > When relaxed requirements for address data and expiration date are enabled for your ` Cybersource ` account, and your service request does not include one or more of the fields in the following list, you increase the risk of declined transactions and fraud depending on your location, your processor, and the cardholder's issuing bank. > It is your responsibility to determine whether a field is required for the transaction you are requesting. For example, an issuing bank can decline an authorization request for a recurring transaction with a Visa Europe card if the expiration date is incorrect, invalid, or missing. If you do not provide the correct expiration date for a recurring transaction the authorization request may be declined. [orderInformation.billTo.address1](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-address1.md "") : [orderInformation.billTo.administrativeArea](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-admin-area.md "") : [orderInformation.billTo.country](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-country.md "") : [orderInformation.billTo.email](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-email.md "") : [orderInformation.billTo.firstName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-first-name.md "") : [orderInformation.billTo.lastName](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-last-name.md "") : [orderInformation.billTo.locality](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-locality.md "") : [orderInformation.billTo.postalCode](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/order-info-aa/order-info-bill-to-postal-code.md "") [paymentInformation.card.expirationMonth](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-mo.md "") : When you include this field in your request, you must also include paymentInformation.card.expirationYear. : You can submit an expiration date that has expired. This exception does not apply when you combine any of the services listed above with any other service. : This field is required for payment network token transactions and subscription creation requests. [paymentInformation.card.expirationYear](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/payment-info-aa/payment-info-card-exp-year.md "") : When you include this field in your request, you must also include paymentInformation.card.expirationMonth. : You can submit an expiration date that has expired. This exception does not apply when you combine any of the services listed above with any other service. : This field is required for payment network token transactions and subscription creation requests.