ECI (Electronic Commerce Indicator)

ECI (Electronic Commerce Indicator) is the value returned from the Directory Server (Visa, Mastercard and JCB) to show result of authentication credit card payment from your customer on the features of 3D Secure.

1. Visa & CB

• ECI 05: Card holder and issuing bank are 3D Secure. 3dSecure authentication successful (Payment Authentication).   
• ECI 06: One of card holder or issuing bank not registered as a 3D Secure.  
• ECI 07: Card holder and issuing bank not registered as a 3D Secure.  
  

2. Mastercard

• ECI 02: Card holder and issuing bank are 3D Secure. 3dSecure authentication successful (Payment Authentication).  
  
• ECI 01: One of card holder or issuing bank not registered as a 3D Secure (Payment Authentication). 
  
• ECI 00: Card holder and issuing bank not registered as a 3D Secure (Payment Authentication). 
  
• ECI 06: Acquirer strong consumer authentication exception (TRA)- frictionless success (Payment Authentication)  
  
• ECI 07: Recurring Payment (initial / first payment) - frictionless success (Payment Authentication)  
  
• ECI N0: Frictionless failure (Non Payment Authentication)
  
• ECI N2: Frictionless success (Non Payment Authentication)  
  

3. JCB

• ECI 05: Card holder and issuing bank are 3D Secure. 3dSecure authentication successful.   
  
• ECI 06: One of card holder or issuing bank not registered as a 3D Secure. 
  
• ECI 07: Card holder and issuing bank not registered as a 3D Secure.  
  

  Success /   Failure