REST API

Interpreting the Report

A report heading shows the title, the ID of the user who downloaded the report, the merchant ID, and the date or date range of the report. The report is organized by card type. In each section, currencies are reported alphabetically. For each currency, a summary of your payer authentication validation results displayed as total amount and number of transactions.
Payer Authentication Report Interpretation
Card Type
Interpretation
Protected?
Commerce Indicator
ECI
Visa, American Express, and JCB
No authentication
No
Internet
7
Recorded attempt to authenticate
Yes
VbV, Desk, or JS Attempted
6
Successful authentication
Yes
VbV, JS, or Aesk
5
Mastercard, Maestro, and Meeza
No authentication
No
Internet**
7*
Recorded attempt to authenticate
Yes
SPA
1
Successful authentication
Yes
SPA
2
Diners Club and Discover
No authentication
No
Internet
7
Recorded attempt to authenticate
Yes
PB or DIPB Attempted
6
Successful authentication
Yes
PB or DIPB
5
China UnionPay, and Elo
No authentication
No
Internet
7
Recorded attempt to authenticate
Yes
CS or Up3ds Attempted
6
Successful authentication
Yes
CS or Up3ds
5
* Although the report heading is 7, you receive a collection indicator value of 1, or the response field is empty.
** Although the report heading is Internet, you receive
spa_failure
in the commerce indicator response field.
Transactions are divided into two groups: those for which you are protected and those for which you are not protected:
  • For Visa, American Express, JCB, Diners Club, Discover, China UnionPay, and Elo: liability shift for VbV and VbV attempted.
  • For Mastercard and Maestro: liability shift only for SPA.
  • For all other results: no liability shift.