Definition

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.

Where to Find ECI

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

How to Use ECI

This value is used in concert with the Visa CAVV Results Codeis used in knowing whether authentication was successful and whether the transaction will fetch liability shift.

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ECI in Request vs ECI in Response

The ECI provided 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.