Note that you do not receive a result in the Merchant Interface when a cardholder fails to be authenticated by their card issuer. The payment does not proceed to authorisation.
Authentication results are displayed in the following:
the Payment Response
the Confirmation email
on the Merchant Interface, in the Customer Interaction field on the Payment Details page
the 3D Secure result in the Get Statement
One of the following authentication results will be displayed for a MasterCard, Maestro or Visa transaction. Note that in the Payment response, authentication results are indicated by a result number only. For example, the result "Cardholder Authenticated" is displayed in a notification as a "0" (zero), as follows:
authentication=ARespH.card.authentication.0
Please refer to New Rules Regarding your Liability for Chargebacks for benefits regarding the results.
|
Payment Response |
Merchant |
MI Payment Details Page - |
3DS Result |
explanation |
interpretation |
|---|---|---|---|---|---|
|
0 |
Cardholder Authenticated |
Cardholder Authenticated |
Cardholder Authenticated |
Cardholder entered their password correctly and their identity was successfully authenticated by the relevant card issuer. |
High level of assurance as to the identity of the person making the transaction. This is a positive result. |
|
1 |
Cardholder/ |
Authentication offered but not used. |
Authentication offered but not used. |
The relevant card issuer or cardholder is not enrolled. |
This result provides no evidence about the identity of cardholder. Please refer to other fraud management results. |
|
6 |
Cardholder Authentication not Available |
Ecommerce |
Authentication Unavailable. |
Authentication was not possible due to a system or connectivity issue |
This result is non-conclusive as a fraud indicator. Refer to other fraud-screening results. |
|
|
Note that you do not receive a result in the Merchant Interface when a cardholder fails to be authenticated by their card issuer. The payment does not proceed to authorisation. |
The most significant result is "Cardholder Authenticated". It should give you confidence that the cardholder is truly who they say they are. However, although a result of "Cardholder Authenticated" is significant in verifying the cardholder's identity, it is important to your business that authentication results are combined with other fraud management results.
The other possible authentication results are less conclusive and you will need to rely on other fraud screening results as well as your own fraud-prevention strategy.
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