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Payer Authentication Summary Report

This daily, weekly, and monthly summary report indicates the performance of the enrollment and validation services as a number of transactions and a total amount for groups of transactions. The report provides this information for each currency and type of card that you support. You can use this information to estimate how payer authentication screens your transactions: successful, attempted, and incomplete authentication. The cards reported are Visa, Mastercard, Maestro, American Express, JCB, Diners Club, Discover, China UnionPay, and Elo. This daily report is generally available by 7:00 a.m. EST. Data in this report remains available for 6 months.

Download the Report

Follow these steps to view the Payer Authentication Summary report:

In the left navigation panel, click the

Reports

icon.

Under Transaction Reports, click Payer Auth Summary
. The Payer Auth Summary Report page appears.

In the search toolbar, select a date range to include in the report. Account-level users must select a merchant as well.

Based on the date range you selected, choose the specific day, week, or month you want to review.

RESULT

Only months that have already occurred in the current year display in the Month list. To view all months of a previous year, select the year first, and then choose the month.

To view results from before the selected period, click

. Click

to see the next period.

Matching the Report to the Transaction Search Results

The image below shows the search results that contain the transactions that appear in the report. For more information on search results, see Searching for Payer Authentication Details.

Interpreting the Report

The report is organized by card type. In each card type section, currencies are reported alphabetically. For each currency, a summary of your payer authentication validation results appear as a total amount and number of transactions.

Payer Authentication Report Interpretation
Card Type	Interpretation	Protected?	Commerce Indicator	ECI
Visa, American Express, and JCB	No authentication	No	Internet	7
	Recorded attempt to authenticate	Yes	VbV, Desk, or JS Attempted	6
	Successful authentication	Yes	VbV, JS, or Aesk	5
Mastercard, Maestro, and Meeza	No authentication	No	Internet**	7*
	Recorded attempt to authenticate	Yes	SPA	1
	Successful authentication	Yes	SPA	2
Diners Club and Discover	No authentication	No	Internet	7
	Recorded attempt to authenticate	Yes	PB or DIPB Attempted	6
	Successful authentication	Yes	PB or DIPB	5
UnionPay International and Elo	No authentication	No	Internet	7
	Recorded attempt to authenticate	Yes	CS or Up3ds Attempted	6
	Successful authentication	Yes	CS or Up3ds	5

* Although the report heading is 7, you receive a collection indicator value of 1, or the response field is empty.

** Although the report heading is Internet, you receive

spa_failure

in the commerce indicator response field.

Transactions are divided into two groups: those for which you are protected and those for which you are not protected:

For Visa, American Express, JCB, Diners Club, Discover, China UnionPay, and Elo: liability shift for VbV and VbV attempted.

For Mastercard and Maestro: liability shift only for SPA.

For all other results: no liability shift.

Comparing Payer Authentication and Payment Reports

The Payer Authentication report and the payment reports might differ when an authenticated transaction is not authorized.

The values (amounts and counts) in the Payer Authentication report might not match your other sources of reconciliation. This report shows the transactions validated by payer authentication. A different number of transactions might have been authorized.

The amounts and numbers can be higher in the Payer Authentication report than in the payment reports. This example shows the results of the first two numbers in the Payer Authentication report and the last number in the payment reports.

To reconcile your reports more easily when using payer authentication, we recommend that you attempt to authenticate the same amount that you want to authorize.