Test Cases for 3DS 1.0
Last updated: 13-Mar-2024
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 |
Rate this article:
