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 and Maestro	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: