Payer Authentication Values
Visa Platform ConnectSimple Order API
This section describes the possible payer authentication values you can include in the
processingInformation.
commerceIndicator
ccAuthService_commerceIndicator
request field.The level of security in payer authentication is denoted by the two digit Electronic
Commerce Indicator (ECI) that is assigned to the transaction. These digital values have
text equivalents which are assigned to the
e_commerce_indicator
field. The American Express, Diners, Discover, UPI, 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 | UPI | Amex |
|---|---|---|---|---|---|---|
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 |