ECommerce Routing Authorization Requirements

The following authorization requirements should be followed by eCommerce merchants:

• Use the correct Electronic Commerce Indicator (ECI) for all online transactions. The ECI should be entered into the appropriate field of the authorization and settlement messages to identify the transaction as an eCommerce one. ECommerce merchants should work with their acquiring banks and merchant services providers to implement the ECI, which is required by the Credit Card Associations of Visa and MasterCard for all eCommerce transactions.
  
• Obtain a new authorization when the original one expires. If merchants sell products through their websites and if the products are shipped to the customers more than seven days after the original authorization (i.e. back order), the merchants should obtain a new authorization before proceeding with the shipment. This practice is required by the Associations and help protect eCommerce merchants from chargebacks due to no authorization.