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Payer Authentication Values
This section describes the possible payer authentication values you can include in the
processingInformation.commerceIndicator
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 Club, 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 Club | 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 |
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 |