ECI values
Last updated: March 19, 2025
When you authenticate with 3D Secure (3DS), you receive Electronic Commerce Indicator (ECI) values that indicate the authentication level and liability shift.
Note
See the Apple Pay and Google Pay documentation for more information on how liability shift applies to each digital wallet.
The following ECI values and liability shift rules only apply to Mastercard.
| Electronic Commerce Indicator | Transaction type | 3D Secure version | Liability shift |
|---|---|---|---|
00 | 3DS authentication either failed or could not be attempted. | 3DS 2.2.0 and 2.3.1 | No |
01 | 3DS authentication was processed by a stand-in service, and is classed as successful. | 3DS 2.2.0 and 2.3.1 | Yes |
02 | 3DS authentication was processed by a stand-in service, and is classed as successful. | 3DS 2.2.0 and 2.3.1 | Yes |
04 | Frictionless authentication via the Mastercard Identity Check Data Only service. | 3DS 2.2.0 and 2.3.1 | No |
06 | Transaction is out of scope or exempt from Strong Customer Authentication. | 3DS 2.2.0 and 2.3.1 | No |
07 | 3DS authentication was successful; recurring transaction secured by 3DS. | 3DS 2.2.0 and 2.3.1 | Yes Transactions processed through Apple Pay without a cryptogram do not benefit from liability shift. |
N0/N2 | Non-payment authentication processed. This type of transaction does not go to authorization so liability is not shifted. | 3DS 2.2.0 and 2.3.1 | No |
The following ECI values and liability shift rules apply to:
- American Express
- Diners Club International (DCI)
- Discover
- JCB
- Visa
| Electronic Commerce Indicator | Transaction type | 3D Secure version | Liability shift |
|---|---|---|---|
05 | 3DS authentication was successful; transaction secured by 3DS. | 3DS 2.2.0 and 2.3.1 | Yes |
06 | 3DS authentication was processed by a stand-in service, and is classed as successful. | 3DS 2.2 and 2.3 | Yes |
07 | 3DS authentication was processed successfully using an SCA exemption, failed, or could not be attempted. | 3DS 2.2.0 and 2.3.1 | No |