ECI

Electronic Commerce Indicator (ECI) is a code that signifies the type of electronic commerce transaction during payment processing. It aids in distinguishing between different transaction categories, particularly in card-not-present transactions where the cardholder and card are not physically present.

ECI values provide information to financial institutions about the nature of the transaction, whether it is a secure e-commerce transaction or if additional authentication measures are necessary. This classification assists in risk management and fraud prevention by allowing institutions to apply appropriate security protocols based on the ECI value.

ECI contributes to the overall security of electronic transactions, ensuring that appropriate measures are in place to protect both customers and merchants in the ever-evolving landscape of online commerce.