Global

07

Liability shift does not apply

Global

Any

An Electronic Commerce Transaction in which the Issuer responded to an Authentication Request with either:

• Unable-to-Authenticate Response
• Authentication Denial

Global

05 or 06

Merchants will receive a CAVV for authenticated and attempted authentication transactions which they must provide in the authorization message. For ECI 05 or ECI 06 transactions where a CAVV was not received in authorization, the ECI will be reclassified to ECI 07.

Global

Non-Reloadable Prepaid

06

Non-reloadable Visa prepaid cards are not required to participate in the Visa Secure program, but issuers may elect to participate.
In terms of liability: • Authentication—If a non-reloadable Visa prepaid card is authenticated during Visa Secure program (ECI 05), the merchant is protected against specific Dispute reason codes. • Attempted Authentication—If authentication is attempted on a non-reloadable Visa prepaid card (ECI 06), the merchant does not receive liability protection on e-commerce fraud-related Disputes. ECI is reclassified to 07.

Global

Visa Fraud Monitoring Program

05 or 06

Merchants are not protected if they have been identified in the program.

U.S.

Visa 3-D Secure Fraud Monitoring Program

05 or 06

Merchants are not protected if they have been identified in the program.

U.S

Merchant Restricted Merchant Category Codes (MCCs)

05 or 06

Merchants are not protected if their MCC is one of the following:
• MCC 4829—Wire Transfer/Money Order • MCC 5967—Direct Marketing-Inbound Teleservices • MCC 6051—Non-Financial Institution-Foreign Currency, Money Order (not Wire Transfer), Travelers’ Cheques • MCC 7995—Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks • MCC 6540 - Non-Financial Institutions: Stored Value Card Purchase / Load • MCC 7801 - Government Licensed On-Line Casinos (On-Line Gambling) • MCC 7802 - Government-Licensed Horse/Dog Racing