Online payments

Test Cases for 3DS 2.1.0 / 2.2.0

Last updated: 13-Mar-2024
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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.

Related articles

3D Secure test cases

Test Cases for 3DS 1.0

Card Payments with 3DS

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