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Providing Payer Authentication Information for Authorization {#payments-processing-pa-eci}
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The values that are returned from payer authentication must be provided when seeking authorization for the transaction. Authentication information that is not included when considering authorization may cause the transaction to be refused or downgraded and prevent the normal liability shift from occurring.  
The level of security in payer authentication is indicated by the two-digit e-commerce indicator (ECI) that is assigned to the transaction. These values have text equivalents that are assigned to the ccAuthService_commerceIndicator field. The American Express, China UnionPay, Diners, Discover, 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       | China UnionPay         | American Express |
|:----------|--------------------------------------------|:---------------------|:-------------|:---------------|:-----------------------|:-----------------|
| `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         |
[Text Values for ECI Values]

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                |
[Mastercard/Maestro Text Values for ECI Values]

The payer authentication response contains other information that needs to be passed on for successful authorization. Be sure to include these fields when requesting a separate authorization:

* ccAuthService_directoryServerTransactionID (Mastercard, Maestro, UPI only)
* ccAuthService_eciRaw
* ccAuthService_paresStatus
* ccAuthService_paSpecificationVersion
* payerAuthEnrollReply_ucafAuthenticationData (Mastercard/Maestro only)
* payerAuthValidateReply_ucafCollectionIndicator(Mastercard/Maestro only)
* ccAuthService_cavv
* ccAuthService_xid  
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