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3D Secure test cases

Last updated: 23-Jun-2022
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Test Cases for 3DS 1.0

Note: for all test cases please use expiry year longer than 3 years from current year.

Test Case 1: Successful authentication

Scenario Cardholder enrolled, successful authentication, successful signature verification.
Test Values Exp Date: 01/****
Visa PAN 4000000000000002
Mastercard PAN 5200000000000007
American Express PAN 340000000003961
Discover PAN 6011000000000004
Diners Club PAN 3005000000006246
Expected Results - Lookup Enrolled = Y, ACSUrl = <Url>, Payload = <value>, ErrorNo = 0, ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = Y, SignatureVerification = Y, EciFlag = <ECI value>, Xid = <value>, Cavv = <value>, ErrorNo = 0, ErrorDesc = <value>
Merchant Action Merchant should append the CAVV and EciFlag values to the authorization message.
ECI Value 05 Visa, American Express, Discover, Diners Club
ECI Value 02 Mastercard

Test Case 2: Failed signature

Scenario Cardholder enrolled, successful authentication, unsuccessful signature verification.
Test Values Exp Date: 01/****
Visa PAN 4000000000000010
Mastercard PAN 5200000000000015
American Express PAN 340000000006022
Discover PAN 6011000000000012
Diners Club PAN 3005000000004373
Expected Results - Lookup Enrolled = Y, ACSUrl = <Url>, Payload = <value>, ErrorNo = 0, ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = Y, SignatureVerification = N, EciFlag = <ECI value>, Xid = <value>, Cavv = <value>, ErrorNo = 0, ErrorDesc = <value>
Merchant Action Merchant should NOT continue authorization, due to the failed signature verification. Merchant should prompt for another form of payment or attempt to authenticate the consumer.
ECI Value 05 Visa, American Express, Discover, Diners Club
ECI Value 02 Mastercard

Test Case 3: Failed authentication

Scenario Cardholder enrolled, unsuccessful authentication, successful signature verification.
Test Values Exp Date: 01/****
Visa PAN 4000000000000028
Mastercard PAN 5200000000000023
American Express PAN 340000000000033
Discover PAN 6011000000000020
Diners Club PAN 3005000000005925
Expected Results - Lookup Enrolled = Y, ACSUrl = <Url>, Payload = <value>, ErrorNo = 0, ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = N, SignatureVerification = Y, EciFlag = <ECI value>, Xid = <value>, Cavv = <blank>, ErrorNo = 0, ErrorDesc = <value>
Merchant Action Merchant should NOT continue with authorization. Merchant should prompt for another form of payment and is not permitted to submit this transaction for authorization.
ECI Value 07 Visa, American Express, Discover, Diners Club
ECI Value 00 Mastercard

Test Case 4: Attempts/Non-Participating

Scenario Passive Authentication - cardholder not prompted for authentication credential.
Test Values Exp Date: 01/****
Visa PAN 4000000000000101
Mastercard PAN 5200000000000908
American Express PAN 340000000003391
Discover PAN 6011000000000038
Diners Club PAN 3005000000005271
Expected Results - Lookup Enrolled = Y, ACSUrl = <Url>, Payload = <value>, ErrorNo = 0, ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = A, SignatureVerification = Y, EciFlag = <ECI value>, Xid = <value>, Cavv = <value>, ErrorNo = 0, ErrorDesc = <blank>
Merchant Action Merchant should append the Cavv and the EciFlag to the authorization message.
ECI Value 06 Visa, American Express, Discover, Diners Club
ECI Value 01 Mastercard

Test Case 5: Timeout

Scenario Timeout encountered while processing the lookup transaction.
Test Values Exp Date: 01/****
Visa PAN 4000000000000044
Mastercard PAN 5200000000000049
American Express PAN: 340000000008309
Discover PAN 6011000000000046
Diners Club PAN 3005000000001890
Expected Results - Lookup Enrolled = U, ACSUrl = <blank>, Payload = <blank>, ErrorNo = <value>, ErrorDesc = <value>
Expected Results - Authentication N/A
Merchant Action The lookup transaction will simulate a timeout scenario and require 20 seconds to complete the transaction processing with the other 3-D Secure systems. Merchant integration should handle timeout processing after 10-12 seconds and proceed with the authorization message.
ECI Value 07 Visa, American Express, Discover, Diners Club
ECI Value 00 Mastercard

Test Case 6: Not enrolled

Scenario Cardholder not enrolled. Issuing Bank not participating.
Test Values Exp Date: 01/****
Visa PAN 4000000000000051
Mastercard PAN 5200000000000056
American Express PAN: 340000000008135
Discover PAN 6011000000000053
Diners Club PAN 3005000000007269
Expected Results - Lookup Enrolled = N, ACSUrl = <blank>, Payload = <blank>, ErrorNo = 0, ErrorDesc = <blank>, EciFlag = <ECI value>
Expected Results - Authentication N/A
Merchant Action Merchant should submit the authorization with an ECI of 06.
ECI Value 06 Visa
ECI Value 07 American Express, Discover, Diners Club
ECI Value 00 Mastercard

Test Case 7: Unavailable

Scenario Authentication unavailable (lookup message response).
Test Values Exp Date: 01/****
Visa PAN 4000000000000069
Mastercard PAN 5200000000000064
American Express PAN: 340000000007780
Discover PAN 6011000000000061
Diners Club PAN 3005000000006030
Expected Results - Lookup Enrolled = U, ACSUrl = <blank>, Payload = <blank>, ErrorNo = 0, ErrorDesc = <blank>, EciFlag = <ECI value>
Expected Results - Authentication N/A
Merchant Action Merchant should proceed with the authorization message.
ECI Value 07 Visa, American Express, Discover, Diners Club
ECI Value 00 Mastercard

Test Case 9: Lookup error

Scenario Error response to lookup message.
Test Values Exp Date: 01/****
Visa PAN 4000000000000085
Mastercard PAN 5200000000000080
American Express PAN 340000000006337
Discover PAN 6011000000000087
Diners Club PAN 3005000000009877
Expected Results - Lookup Enrolled = U, ACSUrl = <blank>, Payload = <blank>, ErrorNo = <value>, ErrorDesc = <value>, EciFlag = <ECI value>
Expected Results - Authentication N/A
Merchant Action Merchant should continue with the authorization and contact technical support to investigate and resolve the issue.
ECI Value 07 Visa, American Express, Discover, Diners Club
ECI Value 00 Mastercard

Test Case 10: Authenticate error

Scenario Cardholder enrolled, error response to authenticate message.
Test Values Exp Date: 01/****
Visa PAN 4000000000000093
Mastercard PAN 5200000000000098
American Express PAN 340000000009299
Discover PAN 6011000000000095
Diners Club PAN 3005000000005602
Expected Results - Lookup Enrolled = Y, ACSUrl = <Url>, Payload = <value>, ErrorNo = 0, ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = <blank>, SignatureVerification = <blank>, EciFlag = <ECI value> Xid = <blank>, Cavv = <blank>, ErrorNo = <value>, ErrorDesc = <value>
Merchant Action Merchants have the option of retaining the liability and submitting the transaction as non-authenticated. An alternative action would be to prompt for another form of payment.
ECI Value 07 Visa, American Express, Discover, Diners Club
ECI Value 00 Mastercard

Test Case 11: Authentication unavailable

Scenario Cardholder enrolled.
Test Values Exp Date: 01/****
Visa PAN 4000000000000036
Mastercard PAN 5200000000000031
American Express PAN 340000000000116
Discover PAN 6011000000000103
Diners Club PAN 3005000000007376
Expected Results - Lookup Enrolled = Y, ACSUrl = <Url>, Payload = <value>, ErrorNo = 0, ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = U, SignatureVerification = Y, EciFlag = <value>, Xid = <value>, Cavv = <blank>, ErrorNo = 0, ErrorDesc = <value>
Merchant Action Merchant can retry authentication or process authorization as merchant liability.
ECI Value 07 Visa, American Express, Discover, Diners Club
ECI Value 00 Mastercard
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