Table 10 Possible Values for JCB J/Secure Reply Fields Result and Interpretation payerAuthValidateReply_
authenticationR esult
eci commerceIndicator reasonCode
Success Successful authentication. 0 05 js 100
Recorded attempt to authenticate 1 06 js_attempted 100
Failure (Customer not responsible)
System error that prevents the completion of authentication: you can proceed with authorization, but no liability shift.
6 a —b
Issuer unable to perform authentication
6 07 internet 100
Incomplete or unavailable authentication.
07 internet js_failure
Invalid PARes. -1 00 476
Failure (Customer responsible)
Authentication failed or cardholder did not complete authentication.
If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.
9 — — 476
a. The eci value can vary depending on the reason for the failure.
b. A dash (—) indicates that the field is blank or absent.
Test Case 50: JCB J/Secure Card Enrolled: Successful Authentication
Test Case 51: JCB J/Secure Card Enrolled: Successful Authentication But Invalid PARes (Signature Failure)
Card Number 3569990010083722 Without authentication window Auth. Type Active authentication
Results Check Enrollment Validate Authentication
Summary Reason code 475 Reason code 100
The cardholder is enrolled in Payer Authentication. Please authenticate before proceeding with authorization.
ics_pa_validate service was successful.
Details ACS URL URL Authentication result 0
PAReq PAReq value CAVV CAVV value
proofXML proofXML value E-commerce indicator js
VERes enrolled Y ECI 05
XID XID value PARes status Y
XID XID value
Action 1 Add the signed PARes to the Validate Authentication request.
2 Ensure that the XID from the enrollment check matches that from the authentication validation.
3 Add the CAVV and ECI values to your authorization request.
Card Number 3569990010083748 Auth. Type Active authentication
Results Check Enrollment Validate Authentication
Summary Reason code 475 Reason code 476
The cardholder is enrolled in Payer Authentication. Please authenticate before proceeding with authorization.
We encountered a Payer Authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details ACS URL
Test Case 52: JCB J/Secure Card Enrolled: Attempted Authentication
Test Case 53: JCB J/Secure Card Enrolled: Incomplete Authentication (Unavailable) Card Number 3569960010083758
Auth. Type Activation during shopping
Results Check Enrollment Validate Authentication
Summary Reason code 475 Reason code 100
The cardholder is enrolled in Payer Authentication. Please authenticate before proceeding with authorization.
ics_pa_validate service was successful.
Details ACS URL URL value Authentication result 1
PAReq PAReq value CAVV CAVV value
proofXML proofXML value E-commerce indicator js_attempted
VERes enrolled Y ECI 06
XID XID value PARes status A
XID XID value
Action If you request Validate Authentication and authorization services separately, follow these steps:
1 Add the signed PARes to the validation request.
2 In the reply, ensure that the XID from the enrollment check matches that from the validation.
3 Add the CAVV and ECI values to your authorization request.
If you request the Validate Authentication and authorization services together, the steps described above occurs automatically.
Card Number 3541599998103643 Without authentication window Auth. Type Active authentication
Results Check Enrollment Validate Authentication
Summary Reason code 475 Reason code 100
The cardholder is enrolled in Payer Authentication. Please authenticate before proceeding with authorization.
Issuer unable to perform authentication.
ics_pa_validate service was successful.
Details ACS URL URL value Authentication result 6
PAReq PAReq value E-commerce indicator internet
proofXML proofXML value ECI 07
VERes enrolled Y PARes status U
XID XID value XID XID value
Action Ask the customer for another form of payment, or submit the transaction. No liability shift.
Test Case 54: JCB J/Secure Card Enrolled: Failed Authentication
Test Case 55: JCB J/Secure Card Enrolled: Unavailable Authentication Card Number 3569990110083721 Without authentication window
Auth. Type Active authentication
Results Check Enrollment Validate Authentication
Summary Reason code 475 Reason code 476
The cardholder is enrolled in Payer Authentication. Please authenticate before proceeding with authorization.
User failed authentication.
Payer cannot be authenticated.
Details ACS URL URL value Authentication result 9
PAReq PAReq value PARes status N
proofXML proofXML value XID XID value
VERes enrolled Y
XID XID value
Action You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.
Card Number 3541599999103865 Auth. Type Active authentication
Results Check Enrollment Validate Authentication Summary Reason code 100
ics_pa_enroll service was successful.
Details E-commerce indicator internet
proofXML proofXML value
VERes enrolled U
Action Submit your authorization request. No liability shift.
Test Case 56: JCB J/Secure Card Enrolled: Authentication Error Processing PARes
Test Case 57: JCB J/Secure Card Not Enrolled Card Number 3541599999103881
Auth. Type Active authentication
Results Check Enrollment Validate Authentication
Summary Reason code 475 Reason code 476
The cardholder is enrolled in Payer Authentication. Please authenticate before proceeding with authorization.
We encountered a Payer Authentication problem: Error Processing PARes.
Details ACS URL URL value ECI 07
PAReq PAReq value E-commerce indicator internet
proofXML proofXML value
VERes enrolled Y
XID XID value
Action Ask the customer for another form of payment. No liability shift.
Card Number 3569970010083724 Auth. Type Non-participating bank
Results Check Enrollment Validate Authentication Summary Reason code 100
ics_pa_enroll service was successful.
Details E-commerce indicator js_attempted
ECI 06
proofXML proofXML value
VERes enrolled N
Action Submit your authorization request. Liability shift.
Test Case 58: JCB J/Secure Enrollment Check: Time-Out
Test Case 59: JCB J/Secure Enrollment Check: Lookup Error Processing Message Request
Card Number 3569980010083723 Auth. Type Active authentication
Results Check Enrollment Validate Authentication Summary Reason code 100
ics_pa_enroll service was successful.
Details E-commerce indicator internet
proofXML proofXML value
Action After 10 – 12 seconds, proceed with the authorization request. No liability shift.
Card Number 3541599969103614 Auth. Type Active authentication
Results Check Enrollment Validate Authentication Summary Reason code 100
ics_pa_enroll service was successful.
Details E-commerce indicator internet
proofXML proofXML value
VERes enrolled U
Action Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.