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Payer Authentication Values
This section describes the possible payer authentication values you can include in the
ccAuthService_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
ccAuthService_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 |
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 |