Electronic Commerce Indicator (ECI) Response from the network. This is the value that indicates any downgrade if the transaction does not qualify for liability shift or when the CAVV included in the request was not present or invalid.

How ECI Works

ECI Response is available on transactions performed using a Visa payment method, and where the original request included an ECI value.

Create Transaction Response

For more information, refer to Create Transaction API Response 200 - Visa Enriched TP Shield Attributes.

{
  "SC": 200,
  "EC": "0",
  "transactionID": "TabaPay_TransactionID_",
  "network": "Visa",
  "networkID": "123454646545645",
  "networkRC": "00",
  "status": "COMPLETED",
  "approvalCode": "000000",
  "additional": {
    "codeACI": "Y",
    "codeECI": "05", <---------ECI Response
    "par": "V0010056422073825495104907179"
  }
}

ECI Response Codes

This value is used in concert with the Visa CAVV Results Code to determine whether authentication was successful and whether the transaction qualifies for liability shift.

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ECI in Request vs ECI in Response

The ECI in the Create Transaction API request which is used for transaction processing with the card network is not guaranteed to fetch liability shift.

The ECI coming back in the response is the value that the networks return upon processing the authorization request and is a more reliable way of understanding liability shift.