ECI table
The ECI (Electronic Commerce Indicator) is a code returned by the card networks and indicates the result of the cardholder's 3DS authentication. Check the ECIs corresponding to each network and the authentication result in the table below.
After the authentication, the ECI value must be sent in the transaction authorization request in the parameter
Payment.ExternalAuthentication.Eci.
| Mastercard | Visa | Elo | Amex | Authentication result | Was the transaction authenticated? |
|---|---|---|---|---|---|
| 02 | 05 | 05 | 05 | Authenticated by the issuer – chargeback risk goes to the issuer. | Yes |
| 01 | 06 | 06 | 06 | Authenticated by the issuer – chargeback risk goes to the issuer. | Yes |
| Different than 01, 02 and 04 | Different than 05 and 06 | Different than 05 and 06 | Different than 05 and 06 | Not authenticated - chargeback liability remais with the merchant. | No |
| 04 | 07 | - | - | Not authenticated, transaction characterized as Data Only - chargeback liability remains with the merchant. | No |
Updated 2 months ago