Online payments

Test Cases for 3DS 2.1.0 / 2.2.0

Last updated: 01-Aug-2023
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Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication
Scenario Successful frictionless authentication
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001000
2.2.0 : 4000000000002701
Mastercard PAN:
2.1.0 : 5200000000001005
2.2.0 : 5200000000002235
American Express PAN:
2.1.0 : 340000000001007
2.2.0 : 340000000002708
Discover / Diners Club PAN:
2.1.0 : 6011000000001002
JCB J/Secure PAN:
2.1.0 : 3337000000000008
2.2.0 : 3338000000000296
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003006
2.2.0 : 4000000000004970
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003001
2.2.0 : 5200000000004801
Expected Results - Lookup Response Enrolled = Y
PAResStatus = Y
SignatureVerification = Y
CAVV = <CAVV Value>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 05
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 02
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication N/A
Merchant Action Merchant should append the Cavv and EciFlag values to the authorization message.

Test Case 2: Failed frictionless authentication
Scenario Failed frictionless authentication
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001018
2.2.0 : 4000000000002925
Mastercard PAN:
2.1.0 : 5200000000001013
2.2.0 : 5200000000002276
American Express PAN:
2.1.0 : 340000000001015
2.2.0 : 340000000002096
Discover (Diners Club) PAN:
2.1.0 : 6011000000001010 
JCB J/Secure PAN:
2.1.0 : 3337000000000990
2.2.0 : 3338000000000361
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003014
2.2.0 : 4000000000004574
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003019
2.2.0 : 5200000000004538
Expected Results - Lookup Response Enrolled = Y
PAResStatus = N
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication N/A
Merchant Action Merchant should NOT continue authorization. Merchant should prompt for another form of payment and is not permitted to submit this transaction for authorization.

Test Case 3: Attempts frictionless authentication
Scenario Attempts frictionless authentication
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001026
2.2.0 : 4000000000002719
Mastercard PAN:
2.1.0 : 5200000000001021
2.2.0 : 5200000000002482
American Express PAN:
2.1.0 : 340000000001023
2.2.0 : 340000000002872
Discover (Diners Club) PAN:
2.1.0 : 6011000000001028 
JCB J/Secure PAN:
2.1.0 : 3337000000007045
2.2.0 : 3338000000000585
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003022
2.2.0 : 4000000000004111
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003027
2.2.0 : 5200000000004587
Expected Results - Lookup Response Enrolled = Y
PAResStatus = A
SignatureVerification = Y
CAVV = <CAVV value>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 06
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 01
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication N/A
Merchant Action Merchant should append Cavv and EciFlag to the authorization message.

Test Case 4: Unavailable frictionless authentication from the issuer
Scenario Unavailable frictionless authentication from the issuer
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001034
2.2.0 : 4000000000002313
Mastercard PAN:
2.1.0 : 5200000000001039
2.2.0 : 5200000000002268
American Express PAN:
2.1.0 : 340000000001031
2.2.0 : 340000000002922
Discover (Diners Club) PAN:
2.1.0 : 6011000000001036 
JCB J/Secure PAN:
2.1.0 : 3337000000000735
2.2.0 : 3338000000000221
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003030
2.2.0 : 4000000000004160
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003035
2.2.0 : 5200000000004306
Expected Results - Lookup Response Enrolled = Y
PAResStatus = U
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication N/A
Merchant Action Merchant should proceed with the authorization message.

Test Case 5: Rejected frictionless authentication by the issuer
Scenario Rejected frictionless authentication by the issuer
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001042
2.2.0 : 4000000000002537
Mastercard PAN:
2.1.0 : 5200000000001047
2.2.0 : 5200000000002185
American Express PAN:
2.1.0 : 340000000001049
2.2.0 : 340000000002062
Discover (Diners Club) PAN:
2.1.0 : 6011000000001044 
JCB J/Secure PAN:
2.1.0 : 3337000000000321
2.2.0 : 3338000000000734
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003048
2.2.0 : 4000000000004517
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003043
2.2.0 : 5200000000004405
Expected Results - Lookup Response Enrolled = Y
PAResStatus = R
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication N/A
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.

Test Case 6: Authentication not available on lookup
Scenario Authentication not available on lookup
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001059
2.2.0 : 4000000000002990
Mastercard PAN:
2.1.0 : 5200000000001054
2.2.0 : 5200000000002409
American Express PAN:
2.1.0 : 340000000001056
2.2.0 : 340000000002468
Discover (Diners Club) PAN:
2.1.0 : 6011000000001051 
JCB J/Secure PAN:
2.1.0 : 3337000000006765
2.2.0 : 3338000000000940
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003055
2.2.0 : 4000000000004285
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003050
2.2.0 : 5200000000004090
Expected Results - Lookup Response Enrolled = U
PAResStatus = <blank>
SignatureVerification = <blank>
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication N/A
Merchant Action Merchant should proceed with the authorization message.

Test Case 7: Error on lookup
Scenario Error on lookup
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001067
2.2.0 : 4000000000002446
Mastercard PAN:
2.1.0 : 5200000000001062
2.2.0 : 5200000000002037
American Express PAN:
2.1.0 : 340000000001064
2.2.0 : 340000000002732
Discover (Diners Club) PAN:
2.1.0 : 6011000000001069 
JCB J/Secure PAN:
2.1.0 : 3337000000000016
2.2.0 : 3338000000000650
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003063
2.2.0 : 4000000000004194
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003068
2.2.0 : 5200000000004058
Expected Results - Lookup Response Enrolled = U
PAResStatus = <blank>
SignatureVerification = <blank>
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = <value>
ErrorDesc = <value\>
Expected Results - Authentication N/A
Merchant Action Merchant should proceed with the authorization message.

Test Case 8: Timeout on lookup transaction
Scenario Timeout on lookup transaction
Authentication Experience Frictionless
Test Values Visa PAN:
2.1.0 : 4000000000001075
2.2.0 : 4000000000002354
Mastercard PAN:
2.1.0 : 5200000000001070
2.2.0 : 5200000000002326
American Express PAN:
2.1.0 : 340000000001072
2.2.0 : 340000000002047
Discover (Diners Club) PAN:
2.1.0 : 6011000000001077 
JCB J/Secure PAN:
2.1.0 : 3337000000000081
2.2.0 : 3338000000000577
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003071
2.2.0 : 4000000000004277
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003076
2.2.0 : 5200000000004694
Expected Results - Lookup Response Enrolled = U
PAResStatus = <blank>
SignatureVerification = <blank>
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <blank>
Payload = <blank>
ErrorNo = <value>
ErrorDesc = <value>
Expected Results - Authentication N/A
Merchant Action Merchant should proceed with the authorization message.

Challenge Test Cases

Test Case 9: Successful step up authentication
Scenario Successful step up authentication
Authentication Experience Challenge
Test Values Visa PAN:
2.1.0 : 4000000000001091
2.2.0 : 4000000000002503
Mastercard PAN:
2.1.0 : 5200000000001096
2.2.0 : 5200000000002151
American Express PAN:
2.1.0 : 340000000001098
2.2.0 : 340000000002534
Discover (Diners Club) PAN:
2.1.0 : 6011000000001093 
JCB J/Secure PAN:
2.1.0 : 3337000000200004
2.2.0 : 3338000000000569
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003139
2.2.0 : 4000000000004855
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003092
2.2.0 : 5200000000004074
Expected Results - Lookup Response Enrolled = Y
PAResStatus = C
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <Url>
Payload = <value>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = Y
SignatureVerification = Y
CAVV = <CAVV Value>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 05
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 02
    • Mastercard
    • Cartes Bancaires (MC)
ErrorNo = 0
ErrorDesc = <blank>
Merchant Action Merchant should append Cavv and EciFlag to the authorization message.

Test Case 10: Failed step up authentication
Scenario Failed step up authentication
Authentication Experience Challenge
Test Values Visa PAN:
2.1.0 : 4000000000001109
2.2.0 : 4000000000002370
Mastercard PAN:
2.1.0 : 5200000000001104
2.2.0 : 5200000000002490
American Express PAN:
2.1.0 : 340000000001106
2.2.0 : 340000000002237
Discover (Diners Club) PAN:
2.1.0 : 6011000000001101 
JCB J/Secure PAN:
2.1.0 : 3337000000200087
2.2.0 : 3338000000000874
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003097
2.2.0 : 4000000000004293
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003100
2.2.0 : 5200000000004041
Expected Results - Lookup Response Enrolled = Y
PAResStatus = C
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <Url>
Payload = <value>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = N
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ErrorNo = 0
ErrorDesc = <blank>
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.

Test Case 11: Step up authentication is unavailable
Scenario Step up authentication is unavailable
Authentication Experience Challenge
Test Values Visa PAN:
2.1.0 : 4000000000001117
2.2.0 : 4000000000002420
Mastercard PAN:
2.1.0 : 5200000000001112
2.2.0 : 5200000000002664
American Express PAN:
2.1.0 : 340000000001114
2.2.0 : 340000000002484
Discover (Diners Club) PAN:
2.1.0 : 6011000000001119 
JCB J/Secure PAN:
2.1.0 : 3337000000200079
2.2.0 : 3338000000000981
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003105
2.2.0 : 4000000000004640
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003118
2.2.0 : 5200000000004124
Expected Results - Lookup Response Enrolled = Y
PAResStatus = C
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <Url>
Payload = <value>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = U
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ErrorNo = 0
ErrorDesc = <blank>
Merchant Action Merchant can retry authentication or process authorization as merchant liability.

Test Case 12: Error on authentication
Scenario Error on authentication
Authentication Experience Challenge
Test Values Visa PAN:
2.1.0 : 4000000000001125
2.2.0 : 4000000000002644
Mastercard PAN:
2.1.0 : 5200000000001120
2.2.0 : 5200000000002656
American Express PAN:
2.1.0 : 340000000001122
2.2.0 : 340000000002351
Discover (Diners Club) PAN:
2.1.0 : 6011000000001127 
JCB J/Secure PAN:
2.1.0 : 6011000000001127
2.2.0 : 3338000000000676
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003113
2.2.0 : 4000000000004913
Cartes Bancaires (Mastercard) PAN:
2.1.0 : 5200000000003126
2.2.0 : 5200000000004611
Expected Results - Lookup Response Enrolled = Y
PAResStatus = C
SignatureVerification = Y
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = <Url>
Payload = <value>
ErrorNo = 0
ErrorDesc = <blank>
Expected Results - Authentication PAResStatus = <blank>
SignatureVerification = <blank>
CAVV = <blank>
EciFlag = <ECI Value>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
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.
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