ECI indicators list

An Electronic Commerce Indicator (ECI) is a response code used in 3D Secure transactions, specifically in EMV 3D Secure. It helps merchants determine the next steps to take in a transaction — proceed, reject the purchase, or try again. Below you will find the possible responses and ECI values you can receive.

Successful authentication

The card issuer has successfully verified the cardholder's identity and validated the EMV 3Ds protocol. Consequently, the transaction is authorized to proceed, and all parties can benefit from the security and safeguards provided by 3DS.

Attempted authentication

The issuer's authentication service is currently unavailable. A merchant will receive this message when the customer is not enrolled in 3DS. This response serves as evidence that the merchant attempted authentication and fulfilled their due diligence as required by 3DS regulations.

Failed authentication

The issuer encountered challenges and could not authenticate the cardholder due to various factors. These may include instances where incorrect information was provided during the authentication process or when the cardholder themselves chose to cancel the authentication page. Other unspecified reasons could also contribute to the issuer's inability to complete the authentication successfully.

Not permitted authentication

The authentication request encountered obstacles that prevented its completion for various reasons. These reasons may include the exclusion of the card type from authentication attempts, the inability of the ACS (Access Control Server) to process the authentication request message or other unspecified factors. As a result, the authentication process could not be allowed to proceed.

eftpos: Although cobranded, transactions made through eftpos will receive ECI codes of 05/06/07, indicating the possible outcomes of authentication attempts.