---
description: Understand Visa ECI Code 07, which indicates a non-authenticated e-commerce transaction. Learn about SCA exemptions, downgrades, and liability shifts.
title: Visa ECI Code 07: Non-Authenticated E-Commerce Transaction
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
---

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![Visa](https://cdn.smartretry.com/cdn-cgi/image/width=96,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fvisa.svg)

Visa

# Visa ECI Codes: 07 (Non-Authenticated E-Commerce Transaction)

technical decline

Last updated: September 25, 2026

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Table of Contents

## About 07 \- "Non-authenticated e-commerce transaction"

## Key details

Brand

![Visa](https://cdn.smartretry.com/cdn-cgi/image/width=256,quality=75,format=auto,fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fvisa.svg)

Code

07

Category

ECI Codes

Response

07

Detailed Response

Non-authenticated e-commerce transaction

technical decline

## What it means

Visa ECI 07 indicates that an e-commerce transaction was processed without being authenticated through 3-D Secure (Visa Secure). This value acts as an authentication and liability indicator, typically meaning that fraud liability remains with the merchant. It is used when authentication is not attempted, or when a properly authenticated transaction is technically downgraded due to missing data (such as the CAVV) in the authorization request.

## Classification & retryability

technicalRetryable: conditional

ECI 07 itself is merely an indicator, not a decline. If the underlying authorization is declined with an SCA response code 1A (Soft Decline), perform EMV 3DS step-up authentication using challenge indicator 04, and retry the authorization containing the resulting CAVV and updated ECI. If authentication cannot be completed, treat it as a hard decline.

## Why does code 07 occur?

* The merchant does not participate in Visa Secure or chose not to attempt 3-D Secure authentication.
* An authenticated transaction (ECI 05 or 06) was submitted without the required Cardholder Authentication Verification Value (CAVV), causing a downgrade to ECI 07.
* The transaction is legitimately utilizing an EEA/UK Strong Customer Authentication (SCA) exemption.
* The transaction is being processed via the Visa Delegated Authentication Framework.

## How to solve 07?

Verify that your payment gateway properly maps and transmits all payer-authentication fields into the authorization message. Missing data, particularly the CAVV, will strip fraud-liability protection and downgrade the transaction to ECI 07\. If an issuer rejects the transaction due to missing authentication (SCA code 1A), you must initiate a 3-D Secure challenge and resubmit with the new authentication data.

### Solving as a merchant

Monitor your ECI 07 transaction volume to detect gateway configuration errors that might be dropping CAVV data. If you are intentionally bypassing authentication, utilize other fraud controls like CVV2 and AVS, as standard ECI 07 transactions do not carry chargeback protection.

### Solving as a customer

If a transaction fails because the issuer requires authentication, the customer should be prepared to complete a 3-D Secure challenge (like an SMS OTP or app approval) presented by their bank upon retry.

💡Tip from SmartRetry Avoid automated background retries for ECI 07 declines, as re-sending unauthenticated payloads will repeatedly fail with security-focused issuers. Instead, immediately route the user into an inline step-up 3DS challenge within the active session to capture valid authentication before resubmitting.

[See the full list of Visa's decline codes \>](/payment-providers/visa#statuses)[Find code on Visa's website \>](https://developer.visaacceptance.com/docs/vas/en-us/payments/developer/streamline2/rest/payments/payments-processing-pa-process-intro/payments-processing-pa-eci.html)

### Frequently asked questions about this topic

Does an ECI 07 mean the transaction was automatically declined by Visa?

No. ECI 07 is an authentication indicator, not an authorization decline. The issuing bank will still evaluate the transaction and may approve or decline it based on standard risk and funds criteria.

Why did my fully authenticated transaction receive an ECI 07 indicator?

Visa will downgrade an ECI 05 or 06 transaction to ECI 07 if required authentication data, such as the CAVV, is omitted from the final authorization request.

Does ECI 07 protect against fraud chargebacks?

Generally, no. An ordinary ECI 07 transaction leaves fraud liability with the merchant. However, exceptions can apply for specific Visa programs or certain PSD2 SCA exemptions.

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