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Testing 3-D Secure (MPI) Solutions

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.
Combo Testing 3DS, AVS and CVD for API
VISA
Description Request Response
Test Card Number Amount AVS CVD 3DS
3DS Frictionless Flow and AVS full match and CVD match 4365729291041247 $20.20 Y Y ECI Value 05
3DS Frictionless Flow and AVS non-match and CVD match 4365729291041247 $20.21 N Y ECI Value 05
3DS Frictionless Flow and AVS full match and CVD no match 4365729291041247 $20.22 Y N ECI Value 05
3DS Successful Step Up Auth and AVS full match and CVD match 4357495851021892 $20.20 Y Y ECI Value 05
3DS Successful Step Up Auth and AVS non-match and CVD match 4357495851021892 $20.21 N Y ECI Value 05
3DS Successful Step Up Auth and AVS full match and CVD no match 4357495851021892 $20.22 Y N ECI Value 05
3DS Failed Step Up Auth and AVS full match and CVD match 4382018767342449 $20.20 Y Y ECI Value 07
MASTERCARD
Description Request Response
Test Card Number Amount AVS CVD 3DS
3DS Frictionless Flow and AVS full match and CVD match 5548859910035010 $20.20 Y Y ECI Value 05
3DS Frictionless Flow and AVS non-match and CVD match 5548859910035010 $20.21 N Y ECI Value 05
3DS Frictionless Flow and AVS full match and CVD no match 5548859910035010 $20.22 Y N ECI Value 05
3DS Successful Step Up Auth and AVS full match and CVD match 5379369749722139 $20.20 Y Y ECI Value 05
3DS Successful Step Up Auth and AVS non-match and CVD match 5379369749722139 $20.21 N Y ECI Value 05
3DS Successful Step Up Auth and AVS full match and CVD no match 5379369749722139 $20.22 Y N ECI Value 05
3DS Failed Step Up Auth and AVS full match and CVD match 5489158428167998 $20.20 Y Y ECI Value 07
MCO Auto Decisioning Combo Testing 3DS , AVS & CVD
VISA
Description Request Response
Test Card Number AVS CVD 3DS
3DS Frictionless Flow and AVS full match and CVD match 4365729291041247 Y Y ECI Value 05
MASTERCARD
Description Request Response
Test Card Number AVS CVD 3DS
3DS Frictionless Flow and AVS full match and CVD match 5548859910035010 Y Y ECI Value 05