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Payer Authentication Values

This section describes the possible payer authentication values you can include in the

request field.

The level of security in payer authentication is indicated by the two-digit e-commerce indicator (ECI) that is assigned to the transaction. These values have text equivalents that are assigned to the

processingInformation.commerceIndicator

field.

Visa card brands use

, and

digit values to express the authentication level for a 3-D Secure transaction.

Text Values for ECI Values
ECI Value	Meaning	Visa
05	Authenticated	vbv
06	Attempted authentication with a cryptogram	vbv_attempted
07	Internet, not authenticated	vbv_failure/internet

Mastercard and Maestro cards use 00, 01, 02, 06, and 07 digit values to indicate the authentication level of the transaction.

Mastercard/Maestro Text Values for ECI Values
ECI Value	Meaning	Mastercard/Maestro
00	Internet, not authenticated	spa/internet
01	Attempted authentication	spa
02	Authenticated	spa
06	Exemption from authentication or network token without 3‑D Secure	spa
07	Authenticated merchant-initiated transaction	spa