Test Cases for 3DS 2.1.0 / 2.2.0
Last updated: 13-Mar-2024
For all test cases, use expiry year longer than three years from current year.
Frictionless Test Cases
Test Case 1: Successful Frictionless Authentication |
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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 |
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American Express PAN: 2.1.0 : 340000000001007 2.2.0 : 340000000002708 |
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Discover / Diners Club PAN: 2.1.0 : 6011000000001002 |
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JCB J/Secure PAN: 2.1.0 : 3337000000000008 2.2.0 : 3338000000000296 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003006 2.2.0 : 4000000000004970 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003001 2.2.0 : 5200000000004801 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = Y |
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SignatureVerification = Y |
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CAVV = <CAVV Value> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = 0 ErrorDesc = <blank> |
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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 |
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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 |
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American Express PAN: 2.1.0 : 340000000001015 2.2.0 : 340000000002096 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001010 |
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JCB J/Secure PAN: 2.1.0 : 3337000000000990 2.2.0 : 3338000000000361 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003014 2.2.0 : 4000000000004574 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003019 2.2.0 : 5200000000004538 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = N |
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SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = 0 ErrorDesc = <blank> |
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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 |
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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 |
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American Express PAN: 2.1.0 : 340000000001023 2.2.0 : 340000000002872 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001028 |
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JCB J/Secure PAN: 2.1.0 : 3337000000007045 2.2.0 : 3338000000000585 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003022 2.2.0 : 4000000000004111 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003027 2.2.0 : 5200000000004587 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = A |
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SignatureVerification = Y |
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CAVV = <CAVV value> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = 0 ErrorDesc = <blank> |
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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 |
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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 |
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American Express PAN: 2.1.0 : 340000000001031 2.2.0 : 340000000002922 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001036 |
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JCB J/Secure PAN: 2.1.0 : 3337000000000735 2.2.0 : 3338000000000221 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003030 2.2.0 : 4000000000004160 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003035 2.2.0 : 5200000000004306 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = U |
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SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = 0 ErrorDesc = <blank> |
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Expected Results - Authentication | N/A |
Merchant Action | Merchant should proceed with the authorization message. |
Test Case 5: Rejected frictionless authentication by the issuer |
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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 |
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American Express PAN: 2.1.0 : 340000000001049 2.2.0 : 340000000002062 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001044 |
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JCB J/Secure PAN: 2.1.0 : 3337000000000321 2.2.0 : 3338000000000734 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003048 2.2.0 : 4000000000004517 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003043 2.2.0 : 5200000000004405 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = R |
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SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = 0 ErrorDesc = <blank> |
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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 |
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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 |
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American Express PAN: 2.1.0 : 340000000001056 2.2.0 : 340000000002468 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001051 |
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JCB J/Secure PAN: 2.1.0 : 3337000000006765 2.2.0 : 3338000000000940 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003055 2.2.0 : 4000000000004285 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003050 2.2.0 : 5200000000004090 |
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Expected Results - Lookup Response | Enrolled = U |
PAResStatus = <blank> | |
SignatureVerification = <blank> | |
CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = 0 ErrorDesc = <blank> |
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Expected Results - Authentication | N/A |
Merchant Action | Merchant should proceed with the authorization message. |
Test Case 7: Error on lookup |
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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 |
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American Express PAN: 2.1.0 : 340000000001064 2.2.0 : 340000000002732 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001069 |
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JCB J/Secure PAN: 2.1.0 : 3337000000000016 2.2.0 : 3338000000000650 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003063 2.2.0 : 4000000000004194 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003068 2.2.0 : 5200000000004058 |
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Expected Results - Lookup Response | Enrolled = U |
PAResStatus = <blank> | |
SignatureVerification = <blank> | |
CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = <value> ErrorDesc = <value\> |
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Expected Results - Authentication | N/A |
Merchant Action | Merchant should proceed with the authorization message. |
Test Case 8: Timeout on lookup transaction |
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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 |
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American Express PAN: 2.1.0 : 340000000001072 2.2.0 : 340000000002047 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001077 |
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JCB J/Secure PAN: 2.1.0 : 3337000000000081 2.2.0 : 3338000000000577 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003071 2.2.0 : 4000000000004277 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003076 2.2.0 : 5200000000004694 |
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Expected Results - Lookup Response | Enrolled = U |
PAResStatus = <blank> | |
SignatureVerification = <blank> | |
CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <blank> | |
Payload = <blank> | |
ErrorNo = <value> ErrorDesc = <value> |
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Expected Results - Authentication | N/A |
Merchant Action | Merchant should proceed with the authorization message. |
Challenge Test Cases
Test Case 9: Successful step up authentication |
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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 |
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American Express PAN: 2.1.0 : 340000000001098 2.2.0 : 340000000002534 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001093 |
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JCB J/Secure PAN: 2.1.0 : 3337000000200004 2.2.0 : 3338000000000569 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003139 2.2.0 : 4000000000004855 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003092 2.2.0 : 5200000000004074 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = C |
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SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <Url> | |
Payload = <value> | |
ErrorNo = 0 ErrorDesc = <blank> |
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Expected Results - Authentication | PAResStatus = Y |
SignatureVerification = Y |
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CAVV = <CAVV Value> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ErrorNo = 0 ErrorDesc = <blank> |
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Merchant Action | Merchant should append Cavv and EciFlag to the authorization message. |
Test Case 10: Failed step up authentication |
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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 |
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American Express PAN: 2.1.0 : 340000000001106 2.2.0 : 340000000002237 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001101 |
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JCB J/Secure PAN: 2.1.0 : 3337000000200087 2.2.0 : 3338000000000874 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003097 2.2.0 : 4000000000004293 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003100 2.2.0 : 5200000000004041 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = C |
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SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <Url> | |
Payload = <value> | |
ErrorNo = 0 ErrorDesc = <blank> |
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Expected Results - Authentication | PAResStatus = N |
SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ErrorNo = 0 ErrorDesc = <blank> |
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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 |
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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 |
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American Express PAN: 2.1.0 : 340000000001114 2.2.0 : 340000000002484 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001119 |
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JCB J/Secure PAN: 2.1.0 : 3337000000200079 2.2.0 : 3338000000000981 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003105 2.2.0 : 4000000000004640 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003118 2.2.0 : 5200000000004124 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = C |
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SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <Url> | |
Payload = <value> | |
ErrorNo = 0 ErrorDesc = <blank> |
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Expected Results - Authentication | PAResStatus = U |
SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ErrorNo = 0 ErrorDesc = <blank> |
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Merchant Action | Merchant can retry authentication or process authorization as merchant liability. |
Test Case 12: Error on authentication |
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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 |
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American Express PAN: 2.1.0 : 340000000001122 2.2.0 : 340000000002351 |
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Discover (Diners Club) PAN: 2.1.0 : 6011000000001127 |
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JCB J/Secure PAN: 2.1.0 : 6011000000001127 2.2.0 : 3338000000000676 |
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Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003113 2.2.0 : 4000000000004913 |
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Cartes Bancaires (Mastercard) PAN: 2.1.0 : 5200000000003126 2.2.0 : 5200000000004611 |
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Expected Results - Lookup Response | Enrolled = Y |
PAResStatus = C |
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SignatureVerification = Y |
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CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ACSUrl = <Url> | |
Payload = <value> | |
ErrorNo = 0 ErrorDesc = <blank> |
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Expected Results - Authentication | PAResStatus = <blank> |
SignatureVerification = <blank> | |
CAVV = <blank> | |
EciFlag = <ECI Value> Expected ECI Values grouped by Network:
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ErrorNo = <value> ErrorDesc = <value> |
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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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