Transaction Type Indicators

The following values are valid with the Ecommerce_flag property through the API.

ecommerce_flag

Transaction Type

Useage

1

Phone Order/Mail Order
One-time (non-recurring)

Designates a one-time purchase transaction completed by the phone or through the mail. This transaction type is not for recurring payments or sales set up on an installment plan.

2

Recurring

Designates a transaction where the cardholder has agreed to a recurring payment schedule with the merchant.

3

Installment Payment

Designates a set number of transactions agreed to between the cardholder and merchant at initial purchase. For example, purchase divided into 4 equal installments at 1 week intervals.

4

Deferred Payment

Designates a transaction where the cardholder and merchant agreed to delay payment for a specified period of time.

5

Secure Electronic Commerce (Authenticated)

Designates a transaction between a cardholder and a merchant processed online and where the transaction was successfully authenticated using 3D Secure (cardholder authentication) including: Verified by Visa or MasterCard Secure Code.

6

Secure Electronic Commerce (Attempted)

Designates a transaction between a cardholder and a merchant processed online and where the transaction was attempted using 3D Secure (cardholder authentication) but not successfully authenticated. 3DS authentication response indicates unsuccessful with response for:
a. A non-participating Issuer
b. A non-participating cardholder of a participating Issuer
c. A participating Issuer, but the authentication server not available

7

Electronic Commerce- Channel Encrypted

Designates a transaction between a cardholder and a merchant processed online where cardholder data was encrypted using TLS or SSL. 3D Cardholder authentication was not attempted.

8

Electronic Commerce- Non-secure

Designates a transaction between a cardholder and a merchant processed online where no encryption such as TLS or SSL was used. Cardholder authentication was not attempted.

I

IVR – Interactive Voice Response (for Debit Bill Pay only)

Designates a transaction where the cardholder consummates the sale via an IVR system.

R

Retail/Point-of-Sale

Designates a Point-of-Sale transaction where the cardholder was present at a merchant store location.

X

AMEX Credential On File only: Reauthorize Transaction

Use when the card is on file, but the billing frequency and amount are variable.
Should also be used to denote an AMEX Payment Token transaction where cryptogram data is NOT available.