--- description: Learn what Mastercard ECI Code 02 means. Understand 3D Secure full authentication, liability shift, and how to proceed to card authorization. title: Mastercard ECI Code 02: Authentication Successful image: https://cdn.smartretry.com/cdn-cgi/image/width=1200,height=630,quality=85,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fog-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) ![Mastercard](https://cdn.smartretry.com/cdn-cgi/image/width=96,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fmastercard.svg) Mastercard # Mastercard ECI Code 02: Authentication Successful technical decline Last updated: September 25, 2026 ## Still letting failed transactions slip through? SmartRetry turns declines into approvals - automatically, intelligently, and without changing your payment provider. Email address Let’s talk Table of Contents ## About 02 \- "Authentication successful (liability shift applies)" ## Key details Brand ![Mastercard](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fmastercard.svg) Code 02 Category ECI Codes Response 02 Detailed Response Authentication successful (liability shift applies) technical decline ## What it means Mastercard ECI 02 is not a payment decline or an issuer authorization response; it is a 3D Secure Electronic Commerce Indicator. It signifies that the cardholder was fully and successfully authenticated, either through a frictionless flow or a completed challenge. Receiving ECI 02 acts as a strong signal for liability shift from the merchant to the issuer for eligible fraud-related disputes. ## Classification & retryability technicalRetryable: no ## Why does code 02 occur? * The cardholder successfully completed a 3D Secure authentication challenge, such as entering a one-time password or using biometrics. * The transaction qualified for a frictionless authentication flow, allowing the issuer to verify the user passively. * The 3D Secure authentication resulted in a successful authentication status (ThreeDResult Y) and returned a valid CAVV. ## How to solve 02? Because ECI 02 indicates a successful 3D Secure authentication rather than an error or decline, no corrective resolution is needed. The standard procedure is to take the authentication data and proceed directly to card authorization. Do not attempt to retry or recover ECI 02 as a decline. If the subsequent authorization request is declined by the issuer, you must troubleshoot that specific issuer response code independently. ### Solving as a merchant Proceed to the authorization phase by passing the ECI 02 value and the generated CAVV to the issuer. Ensure your system captures and stores the final ECI returned in the authorization response, as payment networks can sometimes downgrade the status. Finally, retain all authentication evidence to leverage the liability shift in the event of an eligible fraud dispute. ### Solving as a customer No action is required from the customer regarding this code, as their identity has been successfully authenticated. 💡Tip from SmartRetry Configure your payment pipeline to pass the accompanying cryptographic proof directly into the downstream authorization payload rather than routing this status into an exception or retry queue. Treating ECI 02 as a failure mistakenly halts valid checkouts and risks forfeiting your fraud liability shift. [See the full list of Mastercard's decline codes \>](/payment-providers/mastercard#statuses)[Find code on Mastercard's website \>](https://docs.stripe.com/payments/electronic-commerce-indicator) ### Frequently asked questions about this topic Does Mastercard ECI 02 guarantee unconditional liability shift? No. While ECI 02 is a strong signal for liability shift on eligible fraud disputes, it is not an unconditional guarantee. A valid authentication cryptogram, network rules, merchant-category eligibility, and other specific transaction conditions must also be satisfied. Should I retry a transaction if I receive ECI 02? No. ECI 02 means the 3D Secure authentication was entirely successful. Instead of retrying, you should immediately submit the transaction for card authorization. Which ECI value should I use to verify final authentication status? Merchants should store and rely on the final ECI returned in the authorization response, rather than solely on the provisional ECI from the 3DS authentication result. Payment networks can sometimes downgrade an authenticated request during authorization. #### Share this article [![Share on X](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Ftwitter.21z6yr9njnznr.svg)](https://twitter.com/intent/tweet?text=Mastercard%20ECI%20Code%2002%3A%20Authentication%20Successful&url=https%3A%2F%2Fwww.smartretry.com%2Fdecline-code%2Fmastercard-eci-code-02 "Share on X")[![Share on Facebook](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Ffacebook.3sbfjbsxa26qg.svg)](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.smartretry.com%2Fdecline-code%2Fmastercard-eci-code-02 "Share on Facebook")[![Share on LinkedIn](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin.09sdc8tnlrn4a.svg)](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fwww.smartretry.com%2Fdecline-code%2Fmastercard-eci-code-02 "Share on LinkedIn") Make us your preferred source ![Kyle Regacho](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fsecure.gravatar.com%2Favatar%2Faa4329c7f45a68c68f2fbccab899d0f43f3740f3f9e92d5c6ea711171fc1a35f%3Fs%3D96%26d%3Dmm%26r%3Dg) Author ##### Kyle Regacho [![LinkedIn](https://cdn.smartretry.com/cdn-cgi/image/width=32,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin.09sdc8tnlrn4a.svg)Find me on Linkedin](https://www.linkedin.com/in/kdregacho/) Focused on payment recovery, decline codes, and authorization optimization at SmartRetry. Helps payment teams turn failed transactions into recovered revenue [Read all articles >](/authors/kyle-regacho) ## Join our newsletter! Real strategies to recover lost revenue - straight to your inbox Email address Subscribe ## Related codes * [![Mastercard](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fmastercard.svg)00Authentication failed or not attempted (e.g. card not enrolled, technical issue)technical declinesoft declineRead more >](/decline-code/mastercard-eci-code-00) ## Articles you may find interesting: [View all](/blog) [![Turning Payment Declines into Revenue with Context-Aware Retry Logic](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Frecovering-revenue-with-intelligent-retries.jpg) September 25, 2026 Turning Payment Declines into Revenue with Context-Aware Retry Logic Blind retries waste fees and damage issuer trust. By analyzing decline codes and timing reattempts around payroll cycles, payment teams can successfully salvage recurring revenue without customer disruption.](/blog/turning-payment-declines-into-revenue-with-context-aware-retry-logic)[![Why Payments Fail: Decoding Decline Codes and Modernizing Retry Logic](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-declines-intelligent-retry-strategies.jpg) September 25, 2026 Why Payments Fail: Decoding Decline Codes and Modernizing Retry Logic Surface-level decline messages conceal critical issuer signals. Discover how intelligent retries, network tokens, and behavioral timing protect MID health and systematically recover lost recurring revenue.](/blog/why-payments-fail-decoding-decline-codes-and-modernizing-retry-logic)[![Decoding Payment Declines: Turning Authorization Failures into Recovered Revenue](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fresolving-card-authorization-declines-issuer-codes.jpg) September 25, 2026 Decoding Payment Declines: Turning Authorization Failures into Recovered Revenue Blindly retrying failed transactions hurts authorization rates and risks network fines. Discover how decoding issuer responses turns card declines into recovered revenue.](/blog/decoding-payment-declines-turning-authorization-failures-into-recovered-revenue)[![The Real Cost of Payment Declines and How to Recover Lost Revenue](https://cdn.smartretry.com/cdn-cgi/image/width=3840,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Frecovering-failed-payment-declines-revenue-advmo-31a392251911.jpg) September 23, 2026 The Real Cost of Payment Declines and How to Recover Lost Revenue Payment failures cost merchants billions in uncaptured revenue and customer churn. Discover how data-driven retries and response code intelligence help teams recover failed transactions and protect conversion.](/blog/cost-of-payment-declines-recovery) --- ```json {"@context":"https://schema.org","@type":"Article","headline":"Mastercard ECI Code 02: Authentication Successful","url":"https://www.smartretry.com/decline-code/mastercard-eci-code-02","inLanguage":"en","author":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}},"publisher":{"@type":"Organization","@id":"https://www.smartretry.com/#organization","name":"SmartRetry","url":"https://www.smartretry.com","logo":{"@type":"ImageObject","url":"https://cdn.smartretry.com/logo.png","width":{"@type":"QuantitativeValue","value":175,"unitCode":"PX"},"height":{"@type":"QuantitativeValue","value":29,"unitCode":"PX"}},"description":"SmartRetry is a smart payment recovery platform that helps businesses save revenue from failed payment transactions and reduce false declines.","sameAs":["https://x.com/smartretry","https://www.facebook.com/smartretry","https://www.instagram.com/smartretry","https://www.linkedin.com/company/smartretry","https://www.youtube.com/@smartretry"],"contactPoint":{"@type":"ContactPoint","contactType":"customer support","availableLanguage":["Hebrew","English"],"url":"https://www.smartretry.com/contact"},"address":{"@type":"PostalAddress","streetAddress":"Menachem Begin","addressLocality":"Tel Aviv-Yafo","addressCountry":"IL"}},"mainEntityOfPage":{"@type":"WebPage","@id":"https://www.smartretry.com/decline-code/mastercard-eci-code-02","name":"Mastercard ECI Code 02: Authentication Successful"},"description":"Learn what Mastercard ECI Code 02 means. 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