3-D Secure Enrolment Authentication Codes
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A-3 3-D Secure Enrolment Authentication Codes
The 3-D Secure enrolment check field threeDSEnrolled can return the following values:
Y – Enrolled: The card is enrolled in the 3-D Secure program and the payer is eligible for authentication processing.
N – Not Enrolled: The checked card is eligible for the 3-D Secure (it is within the card association’s range of accepted cards) but the card issuing bank does not participate in the 3-D Secure program. If the Cardholder later disputes the purchase, the issuer may not submit a chargeback to you.
U – Unable To Verify Enrolment: The card associations were unable to verify whether the Cardholder is registered. As the card is ineligible for 3-D Secure, Merchants can choose to accept the card nonetheless and precede the purchase as non-authenticated and submits authorisation with ECI 7. The Acquirer/Merchant retains liability if the Cardholder later disputes making the purchase (3DS v1 only).
E – Error Verifying Enrolment: The Gateway encountered an error. This card is flagged as 3-D Secure ineligible. The card can be accepted for payment, yet you may not claim a liability shift on this transaction in case of a dispute with the Cardholder (3DS v1 only).
The 3-D Secure authentication check field threeDSAuthenticated can return the following values:
Y – Authentication Successful: The Issuer has authenticated the Cardholder by verifying the identity information or password. A CAVV and an ECI of 5 is returned. The card is accepted for payment.
A – Attempted Authentication: A proof of authentication attempt was generated. The Cardholder is not participating, but the attempt to authenticate was recorded. The card should be accepted for payment and authentication information passed to authorisation processing.
N – Not Authenticated: The Cardholder did not complete authentication and the card should not be accepted for payment.
R – Rejected By Issuer: The Issuer rejected the transaction and must not be accepted for payment (3DS v2 only).
D – Decoupled Challenge Required: Decoupled authentication confirmed (3DS v2 only).
I – Information Only: 3DS Requestor challenge preference acknowledged (3DS v2 only).
U – Unable To Authenticate: The authentication was not completed due to technical or another problem. A transmission error prevented authentication from completing. The card should be accepted for payment, but no authentication data will be passed on to authorisation processing and no liability shift will occur.
E – Error Checking Authentication: The Gateway encountered an error. The card should be accepted for payment, but no authentication information will be passed to authorisation processing and no liability shift will occur.