Authentication Outcomes

electronic commerce indicator the electronic commerce indicator (eci) is a value returned by directory servers (for example visa, mastercard, american express, jcb), which represents the authentication outcome of 3d secure 2 transactions a cryptogram is a unique value returned by directory servers when authentication is successful the liability shifts to the issuing bank when 3d secure authentication is successful, except for a few cases where it depends on the cryptogram being available from the card scheme's directory server card schemes observe liability shift rules based on a combination of eci values and the presence of the cryptogram in the response from the directory server authentication successful the liability shifts to the issuing bank when authentication is successful (following the frictionless or challenge flow), except for a few cases where it depends on the cryptogram being available 3d secure authentication result electronic commerce indicator card scheme liability shift tip authentication successful 05 visa amex jcb yes authentication successful 02 n2 mastercard yes authentication successful 06 mastercard no eci value of 06 from mastercard indicates the transaction is out of scope for secure customer authentication in this case, the merchant is not covered by liability shift authentication successful 06 visa amex jcb yes eci value of 6 when received along with a cryptogram when authenticating visa, amex, jcb cards, indicates the authentication is successful authentication successful 01 mastercard yes eci value of 1 received while authenticating mastercard cards, indicates the authentication is performed by a stand in service, and is classed as successful in this case, the merchant is covered by liability shift authentication attempted but not successful 3d secure authentication result electronic commerce indicator card scheme liability shift tip authentication attempted but not successful 06 visa amex jcb no eci value of 6 when received without a cryptogram when authenticating visa, amex, jcb cards, indicates the authentication has not been successful in this case, the merchant is not covered by liability shift authentication attempted but not successful 04 mastercard no authentication attempted but not successful 01 mastercard no eci value of 1 when received without a cryptogram when authenticating mastercard cards, indicates the authentication has not been successful in this case, the merchant is not covered by liability shift authentication could not be performed 3d secure authentication result electronic commerce indicator card scheme liability shift authentication could not be performed any values not already listed any no authentication failed 3d secure authentication result electronic commerce indicator card scheme liability shift authentication failed 07 00 visa amex jcb no authentication failed no mastercard no