There is liability for the transaction depend on the 3DS response.
You are protected when ECIFlag values are 05,02 or 06, 01 and CAVV value is not null.
“Authenticated Transaction”
- EciFlag/ECIFlag - 05 & 02
- Enrolled? (frictionless only) - Y
- Authentication Status (PAResStatus) - Y
- CAVV Present? - Yes
- Authentication Result -AUTHENTICATED
- 3DS Protection? - Y
- Freedom Pay Guidance - Proceed with the transaction. (3DS Authentication has been successfully completed).
“Attempted Transaction (Stand In)”
- EciFlag/ECIFlag - 06 & 01
- Enrolled? (frictionless only) - Y
- Authentication Status (PAResStatus) - A
- CAVV Present? - Yes
- Authentication Result -ATTEMPTED
- 3DS Protection - Y
- Freedom Pay Guidance - Proceed with the transaction. (3DS has been requested by the Merchant, but the cardholder's issuing bank is in a non-3DS-mandated region. The Card Schemes "Stand in" to authenticate the transaction and provide the 3DS data).
“Failed Authentication”
- EciFlag/ECIFlag - 07 & 00
- Enrolled? (frictionless only) - Y
- Authentication Status (PAResStatus) - N
- CAVV Present? - No
- Authentication Result - FAILED
- 3DS Protection - N
- Freedom Pay Guidance - It's at the integrator's discretion whether to proceed with the transaction or not. There is no 3DS protection in place, and the issuer could still decline it. (3DS Authentication has not been completed correctly. The cardholder may have entered and incorrect challenge OTP).
“Authentication Unavailable”
- EciFlag/ECIFlag - 07 & 00
- Enrolled? (frictionless only) - Y
- Authentication Status (PAResStatus) - U
- CAVV Present? - No
- Authentication Result – UNAVAILABLE
- 3DS Protection - N
- Freedom Pay Guidance - It's at the integrator's discretion whether to proceed with the transaction or not. There is no 3DS protection in place, and the issuer could still decline it. (3DS Authentication could not been completed. this could be for a technical error).
“Card Not Applicable for Benefits (Corporate and Prepaid Cards)”
- EciFlag/ECIFlag - 07 & 00
- Enrolled? (frictionless only) – U
- Authentication Status (PAResStatus) - n/a
- CAVV Present? – No
- Authentication Result – UNAVAILABLE
- 3DS Protection – N
- Freedom Pay Guidance - It's at the integrator's discretion whether to proceed with the transaction or not. There is no 3DS protection in place, and the issuer could still decline it. (Card Type is not supported by 3DS for example anyonymus PrePaid or Corporate Cards).
“Authenticated Rejected”
- EciFlag/ECIFlag - 07 & 00
- Enrolled? (frictionless only) - Y
- Authentication Status (PAResStatus) - R
- CAVV Present? - No
- Authentication Result – REJECTED
- 3DS Protection - N
- Freedom Pay Guidance - Decline the transaction, do not send a payment request. (3DS transaction has been rejected by the issuing bank. This could be because the issuer deems the transaction a high risk of fraud and is too risky to even the request a step-up challenge).
Last Updated at: 07/11/2023
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