ECI Indicator (3-D Secure) Reference

Field: three_ds.eci_indicator
Type: String (2-digit numeric, leading zero must be preserved)
Description: The Electronic Commerce Indicator (ECI) is returned by the 3-D Secure authentication flow. It identifies the authentication outcome and is the primary signal used to determine whether fraud chargeback liability shifts from the merchant to the issuer (Liability Shift).

1. ECI Values#

Visa / American Express / JCB / Discover / Diners#

Mastercard#

2. Liability Shift Rules#

✅ Highest probability of shift (Fully Authenticated)#

⚠️ Conditional shift (Attempted) — not guaranteed#

❌ No liability shift#

3. Integration Examples#

Request#

{
  "payment_method": {
    "type": "card",
    "card": { "...": "..." },
    "authentication_method": {
      "type": "three_ds",
      "three_ds": {
        "eci_indicator": "05"
      }
    }
  }
}

Wallet tokenized flows (Apple Pay / Google Pay) additionally carry online_payment_cryptogram, automatically returned by the wallet. Standard card payments do not need this field.

Response#

{
  "payment_method_details": {
    "type": "card",
    "three_ds": {
      "eci_indicator": "05",
      "id": "3ds_server_xxx"
    }
  }
}

4. Notes#

5. References#