---
title: Authentication Outcomes
slug: authentication-outcomes
docTags:
createdAt: 2025-02-21T14:07:55.769Z
---
## 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.
:::hint{type="info"}
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 |