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The ECI value is provided by the issuer ACS. It indicates the level of a= uthentication that was performed on the transaction. The ECI value received= from authentication is forwarded in the authorization request and also det= ermines whether a transaction recieves liability protection.
ECI | Description | 3DS Version(s) | Merchant Liability Shift |
---|---|---|---|
05 | Cardholder authentication successful (this inclu= des successful authentication using risk-based authentication and/or a dyna= mic password) | 3DS 1.0 E= MV 3DS (2.0) |
Yes |
06 | Merchant attempted to authenticate the cardho= lder
|
3DS 1.0 E= MV 3DS (2.0) |
Yes |
07 | Non-authenticated e-commerce transaction
|
3DS 1.0 E= MV 3DS (2.0) |
No |
ECI | Description | 3DS Version(s) | Merchant Liability Shift |
---|---|---|---|
00 | Non-authenticated e-commerce transaction
|
3DS 1.0 E= MV 3DS (2.0) |
No |
01 | Merchant attempted to authenticate the cardho= lder and received authentication value (Accountholder Authentication Value = (AVV)) |
3DS 1.0 E= MV 3DS (2.0) |
Yes |
02 | Cardholder authentication successful (this inclu= des successful authentication using risk-based authentication and/or a dyna= mic password) | 3DS 1.0 E= MV 3DS (2.0) |
Yes |
04 | Data share only: non-authenticated e-commerce tr= ansaction but merchants have chosen to share data via the 3DS flow with the= issuer to improve authorization approval rates | EMV 3DS (2.0) | No |
06 | Acquirer exemption | EMV 3DS (2.0) | No |
07 | Recurring payments might be applicable for in= itial or subsequent transaction)
|
EMV 3DS (2.0) | Yes |