Electronic Commerce Indicator (ECI) is a 2-digit value, which varies by payment scheme, generated by payment schemes (Visa, MasterCard, etc.) in 3D Secure transactions in order to determine the security level of the transaction (Full 3D Secure, Half 3D Secure, Non 3D Secure).
So what are the ECI values received in transactions, and what do they mean?
The ECI value differs for each payment scheme. The PARes and VERes values are important when determining the ECI value. The ECI, PARes, and VERes values used for MasterCard and Visa, along with their explanations, are given below:
| Status | VERes | PARes | CAVV / AAV | ECI Visa | ECI MasterCard | Visa Description | MasterCard Description |
| Merchant Not SecureCode-enabled | – | – | – | – | – | Merchant does not support 3D | Merchant does not support 3D |
| DS Error (%d) | Error | – | – | 7 | – | The merchant could not provide credentials valid for the Directory Server. | Error in VERES |
| Not Eligible | U | – | – | 7 | – | Authentication could not be performed. | Authentication could not be performed. |
| Not Participating | N | – | – | 6 | – | Cardholder not participating | Cardholder not participating |
| 3-D Secure Error | Y | Error | – | – | – | PARes validation failed. The merchant should not submit an authorization request. | Error in PARES |
| 3-D Secure Failed | Y | N | – | – | – | PARes validation failed. The merchant should not submit an authorization request. | Authentication Error (SecureCode error or incorrect signature validation) |
| 3-D Secure ACS Error | Y | U | – | 7 | – | The issuer ACS cannot complete the authentication request. | Authentication cannot be performed |
| 3-D Secure Attempt | Y | A | No | – | 01 | – | Attempt (without AAV) |
| Full 3-D Secure Attempt | Y | A | Yes | 6 | 01 | The merchant attempted to authenticate the cardholder, but the cardholder or the issuing bank is not supported. | Attempt |
| 3-D Secure Successful | Y | Y | No | – | 02 | Authentication successful without AAV | Authentication successful (without AAV) |
| Full 3-D Secure Successful | Y | Y | Yes | 5 | 02 | Authentication successful | Authentication successful |