| Test Case |
Description |
PAN to Use |
Status |
Merchant Action |
ECI |
| #1 |
Successful Frictionless Authentication |
347668693641199 (Amex)
4365729291041247 (VISA)
5548859910035010 (MC)
|
Y |
Merchant should add the Cavv and ECI Flag values to the authorization message |
ECI Value 05 - Visa & AMEX
ECI Value 05 - MC
|
| #2 |
Failed Frictionless Authentication |
371783832095949 (Amex)
4100669682077717 (VISA)
5145066347495026 (MC)
|
N |
Merchant can still authorize a failed 3DS as a non-authenticated transaction however, no liability shift i.e. Merchant is not protected from chargebacks. |
ECI Value 07 - Visa & AMEX
ECI Value 07 - MC
|
| #3 |
Stand-In Frictionless Authentication |
377832655974658 (Amex)
4082745347214523 (VISA)
5259767577332563 (MC)
|
A |
Merchant should add Cavv and ECI Flag to the authorization message |
ECI Value 06 - Visa & AMEX
ECI Value 06 - MC
|
| #4 |
Unavailable Frictionless Authentication from the Issuer |
372854470602913 (Amex)
4085690291502 (VISA)
5268449656930562 (MC)
|
U |
Merchant should proceed with the authorization message |
ECI Value 07 - Visa & AMEX
ECI Value 07 - MC
|
| #5 |
Rejected Frictionless Authentication by the Issuer |
374588895473074 (Amex)
4814556895159 (VISA)
5405903043090336 (MC)
|
R |
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 & AMEX
ECI Value 07 - MC
|
| #6 |
Authentication Not Available on Lookup |
343041079513214 (Amex)
4586895464489 (VISA)
5234592942699532 (MC)
|
U |
Merchant should proceed with the authorization message |
ECI Value 07 - Visa & AMEX
ECI Value 07 - MC
|
| #7 |
Successful Step Up Authentication |
345625459204150 (Amex)
4357495851021892 (VISA)
5379369749722139 (MC)
|
C - Lookup
Y - Authentication |
Merchant should add the Cavv and ECI Flag values to the authorization message |
ECI Value 05 - Visa & AMEX
ECI Value 05 - MC
|
| #8 |
Failed Step Up Authentication |
371505651916503 (Amex)
4382018767342449 (VISA)
5489158428167998 (MC)
|
C - Lookup
N - Authentication |
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 & AMEX
ECI Value 07 - MC
|
| #9 |
Step Up Authentication is Unavailable |
378141517104143 (Amex)
4435918937142362 (VISA)
5540799649659789 (MC)
|
C - Lookup
U - Authentication |
Merchant can retry authentication or process authorization as merchant liability |
ECI Value 07 - Visa & AMEX
ECI Value 07 - MC
|
| #10 |
Successful Frictionless Non-Purchase Authentication |
371102997127514 (Amex)
4240376736391968 (VISA)
5391249031510893 (MC)
|
Y |
Identity verification and account confirmation performed without an accompanying financial transaction. The account has been authenticated and confirmed as a valid card account. Merchant might proceed with:
- Tokenizing the card for future payments
- Allowing log-in for client portals
- Any other activity relying on identity or account confirmation |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #11 |
Failed Frictionless Non-Purchase Authentication |
372657234634316 (Amex)
4675582631250 (VISA)
5488913281891485 (MC)
|
N |
Identity verification and account confirmation performed without an accompanying financial transaction. The account has not been authenticated and confirmed as a valid card account. There will not be liability shift if the merchant proceed to a financial transaction. |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #12 |
Unavailable Frictionless Non-Purchase Authentication from the Issuer |
341322948421769 (Amex)
4436160438984 (VISA)
5440439342634430 (MC)
|
U |
Authentication could not be performed due to technical or other issue. Merchant can retry authentication or process authorization as merchant liability |
|
| #13 |
Successful Step Up Non-Purchase Authentication |
371232868548454 (Amex)
4635019773032789 (VISA)
5317800754137974 (MC)
|
C - Lookup
Y - Authentication |
Identity verification and account confirmation performed without an accompanying financial transaction. The account has been authenticated and confirmed as a valid card account. Merchant might proceed with:
- Tokenizing the card for future payments
- Allowing log-in for client portals or
- Any other activity relying on identity or account confirmation |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #14 |
Step Up Non-Purchase Authentication is Unavailable |
379136847976854 (Amex)
4219347920660762 (VISA)
5590581731763284 (MC)
|
C - Lookup
U - Authentication |
Merchant can retry authentication or process authorization as merchant liability however, no liability shift i.e. Merchant is not protected from chargebacks. |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #15 |
Successful Decoupled Authentication Purchase |
340087427838525 (Amex)
4514722871460911 (VISA)
5389713216259851 (MC)
|
D - Decoupled
Y - Authentication |
Identity verification and account confirmation performed. The account has been authenticated and confirmed as a valid card account. Merchant might proceed with:
- Tokenizing the card for future payments
- Allowing log-in for client portals or
- Any other activity relying on identity or account confirmation |
ECI Value 05 - Visa & AMEX
ECI Value 05 - MC |
| #16 |
Failed Decoupled Authentication Purchase |
340668869610512 (Amex)
4536323382679224 (VISA)
5297040047332355 (MC)
|
D - Decoupled
N - Authentication |
Merchant can still authorize a failed 3DS as a non-authenticated transaction with no liability shift |
ECI Value 07 - Visa & AMEX
ECI Value 07 - MC |
| #17 |
Successful Decoupled Authentication Non-Purchase |
373577081210797 (Amex)
4783836543696480 (VISA)
5293943483735474 (MC)
|
D - Decoupled
Y - Authentication |
Identity verification and account confirmation performed without an accompanying financial transaction. The account has been authenticated and confirmed as a valid card account. Merchant might proceed with:
- Tokenizing the card for future payments
- Allowing log-in for client portals or
- Any other activity relying on identity or account confirmation |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #18 |
Failed Decoupled Authentication Non-Purchase |
378423038784144 (Amex)
4596645677249 (VISA)
5448881489272148 (MC)
|
D - Decoupled
N - Authentication |
The account was not authenticated and confirmed as a valid card account. Merchant can still authorize a failed 3DS as a non-authenticated transaction with no liability shift |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #19 |
Successful Requestor Initiated Purchase (3RI) |
343427006265962 (Amex)
4443491068343266 (VISA)
5115491051995795 (MC)
|
Y |
Merchant should add the Cavv and ECI Flag values to the authorization message |
ECI Value 05 - Visa & AMEX
ECI Value 05 - MC |
| #20 |
Successful Requestor Initiated Non-Purchase (3RI) |
373404360474145 (Amex)
4179633124068 (VISA)
5580893074364451 (MC)
|
Y |
Identity verification and account confirmation performed without an accompanying financial transaction. The account has been authenticated and confirmed as a valid card account. Merchant might proceed with:
- Tokenizing the card for future payments
- Allowing log-in for client portals or
- Any other activity relying on identity or account confirmation |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #21 |
Rejected Requestor Initiated Purchase by the Issuer |
378825969197866 (Amex)
4639585663858182 (VISA)
5275669834803842 (MC)
|
R |
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 & AMEX
ECI Value 07 - MC |
| #22 |
Successful Requestor Initiated Decoupled Authentication Purchase |
378364151363839 (Amex)
4893860397367 (VISA)
5563588779976754 (MC)
|
Y |
Merchant should add the Cavv and ECI Flag values to the authorization message |
ECI Value 05 - Visa & AMEX
ECI Value 05 - MC |
| #23 |
Successful Requestor Initiated Decoupled Authentication Non-Purchase |
349500537574773 (Amex)
4398037339466 (VISA)
5210795959282922 (MC)
|
Y |
Identity verification and account confirmation performed without an accompanying financial transaction. The account has been authenticated and confirmed as a valid card account. Merchant might proceed with:
- Tokenizing the card for future payments
- Allowing log-in for client portals or
- Any other activity relying on identity or account confirmation |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |
| #24 |
Failed Requestor Initiated Decoupled Authentication Purchase |
372577663779145 (Amex)
4546053092902 (VISA)
5476896682541722 (MC)
|
N |
Merchant can still authorize a failed 3DS as a non-authenticated transaction as merchant liability |
ECI Value 07 - Visa & AMEX
ECI Value 07 - MC
|
| #25 |
Failed Requestor Initiated Decoupled Authentication Non-Purchase |
372703619666281 (Amex)
4011223199822 (VISA)
5384163222741911 (MC)
|
N |
The account was not authenticated and confirmed as a valid card account |
It is not mandatory for ACS to provide the ECI in a Non-Purchase Authentication (NPA) transaction. The merchant will be provided with a ECI whether the ACS sent it. |