Checkout Test Cases 2.1.0
Last updated: 29-Oct-2021
Note: for all test cases please use expiry year longer than 3 years from current year.
Test Case 1: Successful Frictionless Authentication
| Scenario | Cardholder is enrolled (enrolled=Y), authentication is successful (pares_status=Y), successful signature verification (signature_verification=Y), authentication takes place without a challenge (step-up). |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001000 |
| Mastercard PAN | 5200000000001005 |
| American Express PAN | 340000000001007 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "Y", "error_no": "0", "order_id": "value", "eci_flag": "ECI value", "signature_verification": "Y", "ds_transaction_id": "value", "cavv": "value", "pares_status": "Y", "xid": "value"(AMEX Only), "acs_transaction_id": "value" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will initiate the authorization message and return the transaction_id on the return_url |
| Return_url | {{return_url}}?transaction_id=value&authentication_id=value |
| Merchant Action | N/A |
| ECI Value 05 | Visa, American Express |
| ECI Value 02 | Mastercard |
Test Case 2: Failed Frictionless Authentication
| Scenario | Cardholder is enrolled (enrolled=Y), authentication failed (pares_status=N), successful signature verification (signature_verification=Y), authentication takes place without a challenge (step-up). |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001018 |
| Mastercard PAN | 5200000000001013 |
| American Express PAN | 340000000001015 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "Y", "error_no": "0", "order_id": "value", "eci_flag": "ECI value", "signature_verification": "Y", "ds_transaction_id": "value", "pares_status": "N", "xid": "value"(AMEX Only), "acs_transaction_id": "value", "status_reason": "01" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will not initiate the authorization message and will return an error in the return_url |
| Return_url | {return_url}} ?authentication_id=value&error= %27Transaction%20cannot%20be%20initiated%20because%20authentication%20has%20failed.%27 |
| Merchant Action | Merchant should reinitiate the checkout, or prompt for another payment. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 3: Attempts Frictionless Authentication
| Scenario | The merchant attempts authentication of the cardholder but the issuer is yet to participate in 3DS or its access control server is unable to respond. The scheme responds on behalf of the Issuer. it is otherwise known as Passive Authentication, and the cardholder is not prompted for authentication credential. |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001026 |
| Mastercard PAN | 5200000000001021 |
| American Express PAN | 340000000001023 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "Y", "error_no": "0", "order_id": "value", "eci_flag": "ECI value", "signature_verification": "Y", "ds_transaction_id": "value", "cavv": "value", "pares_status": "A", "xid": "value"(AMEX Only), "acs_transaction_id": "value" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will initiate the authorization message and return the transaction_id on the return_url |
| Return_url | {{return_url}}?transaction_id=value&authentication_id=value |
| Merchant Action | N/A |
| ECI Value 06 | Visa, American Express |
| ECI Value 01 | Mastercard |
Test Case 4: Unavailable Frictionless Authentication from the Issuer
| Scenario | Cardholder is enrolled (enrolled=Y), Authentication was unavailable (pares_status=U), any of the components involved in 3DS flow was not available. successful signature verification (signature_verification=Y), authentication takes place without a challenge (step-up). |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001034 |
| Mastercard PAN | 5200000000001039 |
| American Express PAN | 340000000001031 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "Y", "error_no": "0", "order_id": "value", "eci_flag": "ECI value", "signature_verification": "Y", "ds_transaction_id": "-value", "pares_status": "U", "xid": "value"(AMEX Only), "acs_transaction_id": "value", "status_reason": "01" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will initiate the authorization message and return the transaction_id on the return_url |
| Return_url | {{return_url}}?transaction_id=value&authentication_id=value |
| Merchant Action | Merchant should reinitiate the checkout with 3DS, if the Authorization is declined by the issuer. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 5: Rejected Frictionless Authentication by the Issuer
| Scenario | Authentication has been rejected by the issuer due to the card being blocked or the account not valid (enrolled=Y, pares_status=R) |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001042 |
| Mastercard PAN | 5200000000001047 |
| American Express PAN | 340000000001049 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "Y", "error_no": "0", "order_id": "value", "eci_flag": "ECI value", "signature_verification": "Y", "ds_transaction_id": "value", "pares_status": "R", "xid": "value"(AMEX Only), "acs_transaction_id": "value", "status_reason": "01" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will not initiate the authorization message and will return an error in the return_url. |
| Return_url | {{return_url}}? authentication_id=value& error= %27Transaction%20cannot%20be%20 initiated%20because%20issuer%20rejected%20the%20authentication.%27 |
| Merchant Action | Merchant should reinitiate checkout with 3DS or prompt for another payment. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 6: Authentication Not Available on Lookup
| Scenario | Authentication not available during the authentication request (lookup), any of the components involved in 3DS flow was not available. (enrolled=U) |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001059 |
| Mastercard PAN | 5200000000001054 |
| American Express PAN | 340000000001056 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "U", "error_no": "0", "order_id": "value", "eci_flag": "ECI value", "reason_code": "101", "reason_desc": "Invalid Formatted Message Invalid Formatted Message" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will not initiate the authorization message and will return an error in the return_url. |
| Return_url | {{return_url}}?transaction_id=value&authentication_id=value |
| Merchant Action | Merchant should reinitiate checkout with 3DS or prompt for another payment. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 7: Error on Lookup
| Scenario | An error took place during the 3DS flow. The authentication response (lookup) will contain an error. |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001067 |
| Mastercard PAN | 5200000000001062 |
| American Express PAN | 340000000001064 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "U", "error_desc": "Error Processing Message Request", "error_no": "1001", "order_id": "value", Xid = "Xid value> (Amex Only)", "eci_flag": "ECI value", "reason_code": "1001", "reason_desc": "Error Processing Message Request" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will not initiate the authorization message and will return an error in the return_url. |
| Return_url | {{return_url}}? authentication_id=value&error=%27An%20error%20took place%20during%20the%20authentication.%20Please%20refer%20to%20the%20Reason%20 Code%20or%20contact%20your%20Administrator.%27 |
| Merchant Action | Merchant should reinitiate the checkout, or prompt for another payment. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 8: Timeout on lookup Transaction
| Scenario | Any of the involved components delayed to response and a timeout was triggered while waiting the authentication (lookup) response. |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001075 |
| Mastercard PAN | 5200000000001070 |
| American Express PAN | 340000000001072 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "U", "error_no": "value", "error_desc": "value" "order_id": "value", "eci_flag": "ECI value", "reason_code": "101", "reason_desc": "Message Received Invalid Invalid Formatted Message" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will not initiate the authorization message and will return an error in the return_url. |
| Return_url | {{return_url}}? authentication_id=value&error=%27An%20error%20took place%20during%20the%20authentication. %20 Please%20refer%20to%20the%20Reason%20Code%20or%20contact%20your%20Administrator.%27 |
| Merchant Action | Merchant should reinitiate the checkout, or prompt for another payment. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 9: Successful Step Up Authentication
| Scenario | Cardholder is enrolled (enrolled=Y), authentication is successful (pares_status=Y), successful signature verification (signature_verification=Y). Authentication took place through a challenge (step up authentication). |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001091 |
| Mastercard PAN | 5200000000001096 |
| American Express PAN | 340000000001098 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "cavv": "value", "challenge_required": "N", "acs_transaction_id": "value", "payload": "value", "pares_status": "Y", "acs_url": "value", "ds_transaction_id": "value", "signature_verification": "Y", "eci_flag": "ECI value", "order_id": "value", "xid": "value"(AMEX Only), "error_no": "0", "enrolled": "Y", "threeds_version": "2.1.0" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will initiate the authorization message and return the transaction_id on the return_url |
| Return_url | {{return_url}}?transaction_id=value&authentication_id=value |
| Merchant Action | N/A |
| ECI Value 05 | Visa, American Express |
| ECI Value 02 | Mastercard |
Test Case 10: Failed Step Up Authentication
| Scenario | Cardholder is enrolled (enrolled=Y), authentication is unsuccessful (pares_status=N), successful signature verification (signature_verification=Y). Authentication took place through a challenge (step up authentication). |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001109 |
| Mastercard PAN | 5200000000001104 |
| American Express PAN | 340000000001106 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "challenge_required": "N", "acs_transaction_id": "value", "payload": "value", "pares_status": "N", "acs_url": "value", "ds_transaction_id": "value", "signature_verification": "Y", "eci_flag": "ECI value", "order_id": "value", "error_no": "0", "enrolled": "Y", "xid": "value"(AMEX Only), "threeds_version": "2.1.0" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will not initiate the authorization message and will return an error in the return_url. |
| Return_url | {{return_url}}? authentication_id=value&error= %27Transaction%20cannot%20be%20initiated%20because%20authentication%20has%20failed.%27 |
| Merchant Action | Merchant should reinitiate the checkout, or prompt for another payment. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 11: Step Up Authentication is Unavailable
| Scenario | Cardholder is enrolled (enrolled=Y), authentication request (lookup) has suceeded, but during challenge and results request (JWT) a 3DS component was unavailable, resulting the transaction to fail (pares_status=U). |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001117 |
| Mastercard PAN | 5200000000001112 |
| American Express PAN | 340000000001114 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "challenge_required": "N", "acs_transaction_id": "value", "payload": "value", "pares_status": "U", "acs_url": "value", "ds_transaction_id": "value", "signature_verification": "Y", "eci_flag": "ECI value", "order_id": "value", "error_no": "0", "enrolled": "Y", "xid": "value"(AMEX Only), "threeds_version": "2.1.0" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will initiate the authorization message and return the transaction_id on the return_url |
| Return_url | {{return_url}}? transaction_id=value&authentication_id=value |
| Merchant Action | Merchant should reinitiate the checkout with 3DS, if the Authorization is declined by the issuer. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 12: Error on Authentication
| Scenario | An error took place during the result request or challenge flow (JWT), and the final result of the authentication will contain an error. The status of the transaction is not eligible for authorisation. |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001125 |
| Mastercard PAN | 5200000000001120 |
| American Express PAN | 340000000001122 |
| Expected Results - Lookup | N/A |
| Expected Results - Authentication Object | { "amount": value, "authentication": { "challenge_required": "N", "acs_transaction_id": "value", "payload": "value", "pares_status": "C", "acs_url": "value", "ds_transaction_id": "value", "signature_verification": "Y", "xid": "value"(AMEX Only), "eci_flag": "ECI value", "order_id": "value", "error_no": "value", "error_desc": "value", "enrolled": "Y", "threeds_version": "2.1.0" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will not initiate the authorization message and will return an error in the return_url. |
| Return_url | {{return_url}}?authentication_id=value&error= %27Transaction%20cannot%20be%20initiated%20because%20an%20error%20occured%20while%20 presenting%20the%20challenge.%27 |
| Merchant Action | Merchant should retry the checkout with 3DS or prompt to another payment. |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
Test Case 13: Require MethodURL
| Scenario | Cardholder is enrolled (enrolled=Y), authentication is successful (pares_status=Y), successful signature verification (signature_verification=Y). Authentication took place through a challenge (step up authentication) and using the 3DS MethodURL. |
|---|---|
| Test Values | Exp Date: 01/**** |
| Visa PAN | 4000000000001141 |
| Mastercard PAN | 5200000000001146 |
| American Express PAN | 340000000001148 |
| Expected Results -Authentication Object |
{ "amount": value, "authentication": { "threeds_version": "2.1.0", "enrolled": "Y", "error_no": "0", "order_id": "value", "eci_flag": "ECI value", "signature_verification": "Y", "ds_transaction_id": "value", "xid": "value"(AMEX Only), "cavv": "value", "pares_status": "Y", "acs_transaction_id": "value" }, "card": "value", "currency_code": "value", "created_at": "value", "organisation": "value", "transaction_id": "value", "authenticator": "value", "_id": "value" } |
| Payment Transaction | If "process_transaction": true, the checkout page will initiate the authorization message and return the transaction_id on the return_url |
| Return_url | {{return_url}}?transaction_id=value&authentication_id=value |
| Merchant Action | N/A |
| ECI Value 07 | Visa, American Express |
| ECI Value 00 | Mastercard |
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