Payer Authentication Summary Report
This daily, weekly, and monthly summary report indicates the performance of the
enrollment and validation services as a number of transactions and a total amount for
groups of transactions. The report provides this information for each currency and type
of card that you support. You can use this information to estimate how payer
authentication screens your transactions: successful, attempted, and incomplete
authentication. The cards reported are Visa, Mastercard, Maestro, American Express, JCB,
Diners Club, Discover, China UnionPay, and Elo. This daily report is generally available
by 7:00 a.m. EST. Data in this report remains available for 6 months.
Downloading the Report
To view the Payer Authentication Summary report:
- In the left navigation panel, click theReportsicon.
- Under Transaction Reports, clickPayer Auth Summary. The Payer Auth Summary Report page appears.
- In the search toolbar, select the Date Range you want to include in the report. Account level users must select a merchant as well.
- Based on the date range selected, choose the specific day, week, or month you want to review.
RESULT
Only months that have already occurred in the current year display in the Month list. To view all
months of a previous year, select the year first, then choose the desired month.
To view results before the selected period, below the search toolbar, click
Previous
. Click Next
to see the
previous period.Matching the Report to the Transaction Search Results
The image below shows the search results that contain the transactions that
appear in the report. For more information on search results, see Searching for Payer Authentication Details.
Payer Authentication Report Details
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.
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.
Comparing Payer Authentication and Payment Reports
There might be differences between the Payer Authentication report and the
payment reports because an authenticated transaction might not be authorized.
The values (amounts and counts) in the Payer Authentication report might not
match exactly your other sources of reconciliation. This report shows the transactions
validated by payer authentication. There might be a different number of transactions
that were authorized. Reconciliation discrepancies are more likely if you process your
authorizations outside of <keyword keyref="company"/>.
The amounts and numbers can be higher in the Payer Authentication report than
in the payment reports. In this example, it shows the results of the first two numbers
in the Payer Authentication report and the last one in the payment reports.
To reconcile your reports more easily when using payer authentication, we
recommend that you attempt to authenticate the same amount that you want to
authorize.
Payer Authentication Reports Compared to Payment Reports
- 9900 successful enrollment checks (Payer Authentication report)
- 9800 successful authentication checks (Payer Authentication report)
- 9500 successful authorization checks (Payment report)