Interpreting the Report

The report is organized by card type. In each card type section, currencies are reported alphabetically. For each currency, a summary of your payer authentication validation results appear as a 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
UnionPay International 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: