What is ECI on 3DS protocol?

Electronic Commerce Indicator (ECI) is a value returned by Directory Servers (namely Visa, MasterCard, JCB, and American Express) indicating the outcome of authentication attempted on transactions enforced by 3DS. Possible value returned by Visa, American Express, and JCB and its interpretation: ECI 05: 3DS authentication was successful; transactions are secured by 3DS. ECI 06: authentication was attempted but was not or […]
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Credit Card Surcharge in Canada

Starting October 7th, Canadian businesses are able to pass on a new credit card surcharge to their customers.  It is not clear however how many businesses will decide to adopt this new fee. The surcharge option will allow merchants to pass on what is called interchange or swipe fee to the consumer.  The fees can […]
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