ECI Responses
The Electronic Commerce Indicator (ECI) is a crucial value in online credit card transactions that indicates the level of security or authentication applied. It differentiates various e-commerce transactions based on whether, and how, they were authenticated. The ECI is included in the authorization request, helping issuers assess the associated risk of each transaction.
The table outlines ECI responses for various card schemes, indicating which party assumes liability in cases of chargebacks or disputes.
| ECI | Card Scheme | Liability |
|---|---|---|
| 01 | Mastercard | Card scheme authentication, liability on card issuer |
| 02 | Mastercard | Issuer authentication, liability on card issuer |
| 04 | Mastercard | Data-Only transaction for Mastercard, liability on merchant |
| 00 | Mastercard | Authentication failed, liability on merchant |
| 06 | Other Scheme | Card scheme authentication, liability on issuer |
| 05 | Other Scheme | Issuer authentication, liability on issuer |
| 07 | Other Scheme | Data Only for Visa or Authentication failed, always with liability on the merchant |
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