# ECI values

When you authenticate with 3D Secure (3DS), you receive Electronic Commerce Indicator (ECI) values that indicate the authentication level and liability shift.

> **Note**
>
> See [Apple Pay](https://www.checkout.com/docs/payments/add-payment-methods/apple-pay.md#Liability_shift) and [Google Pay](https://www.checkout.com/docs/payments/add-payment-methods/google-pay.md#Liability_shift) for more information on how liability shift applies to each digital wallet.

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## Mastercard liability shift

The following ECI values and liability shift rules only apply to Mastercard.

| ECI value | Transaction type | 3DS version | Liability shift |
| --- | --- | --- | --- |
| 00 | 3DS authentication either failed or could not be attempted. | 3DS 2.2.0 and 2.3.1 | No |
| 01 | 3DS authentication was processed by a stand-in service, and is classed as successful. | 3DS 2.2.0 and 2.3.1 | Yes |
| 02 | 3DS authentication was successful. The transaction is secured by 3DS. | 3DS 2.2.0 and 2.3.1 | Yes |
| 04 | Frictionless authentication via the Mastercard Identity Check Data Only service. | 3DS 2.2.0 and 2.3.1 | No |
| 06 | Transaction is out of scope or exempt from [Strong Customer Authentication (SCA)](https://www.checkout.com/docs/business-operations/ensure-regulatory-compliance/sca-compliance.md). | 3DS 2.2.0 and 2.3.1 | No |
| 07 | 3DS authentication was successful. The recurring transaction is secured by 3DS. | 3DS 2.2.0 and 2.3.1 | Yes<br><br>Liability shift does not apply to transactions processed through Apple Pay without a cryptogram. |
| N0/N2 | A non-payment authentication was processed.<br><br>This type of transaction does not go to authorization so liability shift does not apply. | 3DS 2.2.0 and 2.3.1 | No |

##  Non-Mastercard liability shift

The following ECI values and liability shift rules apply to:

- American Express
- Diners Club International (DCI)
- Discover
- JCB
- Visa

| ECI value | Transaction type | 3DS version | Liability shift |
| --- | --- | --- | --- |
| 05 | 3DS authentication was successful. The transaction is secured by 3DS. | 3DS 2.2.0 and 2.3.1 | Yes |
| 06 | 3DS authentication was processed by a stand-in service, and is classed as successful. | 3DS 2.2 and 2.3 | Yes |
| 07 | 3DS authentication was processed successfully using an SCA exemption, failed, or could not be attempted. | 3DS 2.2.0 and 2.3.1 | No |

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## Cartes Bancaires liability shift

For Cartes Bancaires, the ECI value does not determine liability shift. Instead, liability shift depends on whether the payment is authenticated and on the challenge indicator.

If you specify the `no_challenge_requested` challenge indicator in your authentication request and it's applied with Cartes Bancaires:

- You can still authorize the payment.
- Liability remains with you.

For more information, see [Liability shift](https://www.checkout.com/docs/payments/authenticate-payments/3d-secure.md#Liability_shift).