Testing

Test your 3DS integration on the Try environment using the magic values provided below. Send requests and see simulated responses.

Test Card Number

Use different card numbers to alter the 3DS authentication outcome.

Always use a test card number from the tables below. Using a number not listed will result in the challenge failing to load for both web and SDK.

EMV 3DS version 2.1.0 will be sunset December 2024. The majority of authentications are already 2.2.0.

Test Scenario
Description
Test Values (2.1.0)
Test Values (2.2.0)
Authentication Result
Verification Result
Action

Successful Authentication (Frictionless)

Issuer assessment resulted in a frictionless 3DS authentication

  • Visa: 4000000000001000

  • Mastercard: 5200000000001005

  • AMEX: 340000000001007

  • Discover/Diners: 6011000000001002

  • JCB: 3337000000000008

  • CB (Visa): 4000000000003006

  • CB (Mastercard): 5200000000003001

  • Visa: 4000000000002701

  • Mastercard: 5200000000002235

  • AMEX: 340000000002708

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000296

  • CB (Visa): 4000000000004970

  • CB (Mastercard): 5200000000004801

outcome: authenticated eci:

  • 05 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 02 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): returned liability shift: yes

N/A

Apply authentication object in payment request, proceed with payment authorization

Failed Frictionless Authentication

Issuer failed the authentication without providing the option for a challenge.

  • Visa: 4000000000001018

  • Mastercard: 5200000000001013

  • AMEX: 340000000001015

  • Discover/Diners: 6011000000001010

  • JCB: 3337000000000990

  • CB (Visa): 4000000000003014

  • CB (Mastercard): 5200000000003019

  • Visa: 4000000000002925

  • Mastercard: 5200000000002276

  • AMEX: 340000000002096

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000361

  • CB (Visa): 4000000000004574

  • CB (Mastercard): 5200000000004538

outcome: authenticationFailed eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

N/A

Do not proceed with payment authorization. Either retry 3DS or prompt for another form of payment.

Attempts Stand-In Frictionless Authentication

Cardholder is enrolled in 3DS but the issuer does not support. This results in the issuer stand-in for the authentication

  • Visa: 4000000000001026

  • Mastercard: 5200000000001021

  • AMEX: 340000000001023

  • Discover/Diners: 6011000000001028

  • JCB: 3337000000007045

  • CB (Visa): 4000000000003022

  • CB (Mastercard): 5200000000003027

  • Visa: 4000000000002719

  • Mastercard: 5200000000002482

  • AMEX: 340000000002872

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000585

  • CB (Visa): 4000000000004111

  • CB (Mastercard): 5200000000004587

outcome: authenticated eci:

  • 06 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 01 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: yes

N/A

Apply authentication object in payment request, proceed with payment authorization

Authentication Unavailable (issuer)

Cardholder is enrolled but authentication is unavailable

  • Visa: 4000000000001034

  • Mastercard: 5200000000001039

  • AMEX: 340000000001031

  • Discover/Diners: 6011000000001036

  • JCB: 3337000000000735

  • CB (Visa): 4000000000003030

  • CB (Mastercard): 5200000000003035

  • Visa: 4000000000002313

  • Mastercard: 5200000000002268

  • AMEX: 340000000002922

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000221

  • CB (Visa): 4000000000004160

  • CB (Mastercard): 5200000000004306

outcome: unavailable eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

N/A

Proceed as non-authenticated transaction or retry authentication request

Authentication Rejected

Authentication rejected by the issuer, no challenge is offered

  • Visa: 4000000000001042

  • Mastercard: 5200000000001047

  • AMEX: 340000000001049

  • Discover/Diners: 6011000000001044

  • JCB: 3337000000000321

  • CB (Visa): 4000000000003048

  • CB (Mastercard): 5200000000003043

  • Visa: 4000000000002537

  • Mastercard: 5200000000002185

  • AMEX: 340000000002062

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000734

  • CB (Visa): 4000000000004517

  • CB (Mastercard): 5200000000004405

outcome: authenticationFailed eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

N/A

Do not proceed with payment authorization. Either retry 3DS or prompt for another form of payment.

Authentication Unavailable (system error)

Authentication rejected by the issuer, no challenge is offered

  • Visa: 4000000000001059

  • Mastercard: 5200000000001054

  • AMEX: 340000000001056

  • Discover/Diners: 6011000000001051

  • JCB: 3337000000006765

  • CB (Visa): 4000000000003055

  • CB (Mastercard): 5200000000003050

  • Visa: 4000000000002990

  • Mastercard: 5200000000002409

  • AMEX: 340000000002468

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000940

  • CB (Visa): 4000000000004285

  • CB (Mastercard): 5200000000004090

outcome: unavailable eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

N/A

Proceed as non-authenticated transaction or retry authentication request

Authentication Error

Error whilst attempting authentication

  • Visa: 4000000000001067

  • Mastercard: 5200000000001062

  • AMEX: 340000000001064

  • Discover/Diners: 6011000000001069

  • JCB: 3337000000000016

  • CB (Visa): 4000000000003063

  • CB (Mastercard): 5200000000003068

  • Visa: 4000000000002446

  • Mastercard: 5200000000002037

  • AMEX: 340000000002732

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000650

  • CB (Visa): 4000000000004194

  • CB (Mastercard): 5200000000004058

outcome: unavailable eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

N/A

Proceed as non-authenticated transaction or retry authentication request

Authentication Timeout

Timeout during the authentication request

  • Visa: 4000000000001075

  • Mastercard: 5200000000001070

  • AMEX: 340000000001072

  • Discover/Diners: 6011000000001077

  • JCB: 3337000000000081

  • CB (Visa): 4000000000003071

  • CB (Mastercard): 5200000000003076

  • Visa: 4000000000002354

  • Mastercard: 5200000000002326

  • AMEX: 340000000002047

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000577

  • CB (Visa): 4000000000004277

  • CB (Mastercard): 5200000000004694

outcome: unavailable eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

N/A

Proceed as non-authenticated transaction or retry authentication request

Successful Authentication (Challenged)

Issuer prompts a challenge in authentication, customer responds successfully

  • Visa: 4000000000001091

  • Mastercard: 5200000000001096

  • AMEX: 340000000001098

  • Discover/Diners: 6011000000001093

  • JCB: 3337000000200004

  • CB (Visa): 4000000000003139

  • CB (Mastercard): 5200000000003092

  • Visa: 4000000000002503

  • Mastercard: 5200000000002151

  • AMEX: 340000000002534

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000569

  • CB (Visa): 4000000000004855

  • CB (Mastercard): 5200000000004074

outcome: challenged

outcome: authenticated eci:

  • 05 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 02 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): returned liability shift: yes

Apply authentication object in payment request, proceed with payment authorization

Failed Challenged Authentication

Issuer prompts a challenge in authentication, customer responds with incorrect details (e.g. OTP, fingerprint etc)

  • Visa: 4000000000001109

  • Mastercard: 5200000000001104

  • AMEX: 340000000001106

  • Discover/Diners: 6011000000001101

  • JCB: 3337000000200087

  • CB (Visa): 4000000000003097

  • CB (Mastercard): 5200000000003100

  • Visa: 4000000000002370

  • Mastercard: 5200000000002490

  • AMEX: 340000000002237

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000874

  • CB (Visa): 4000000000004293

  • CB (Mastercard): 5200000000004041

outcome: challenged

outcome: authenticationFailed eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

Do not proceed with payment authorization. Either retry 3DS or prompt for another form of payment.

Verification Unavailable

Authentication data following a challenge cannot be retrieved

  • Visa: 4000000000001117

  • Mastercard: 5200000000001112

  • AMEX: 340000000001114

  • Discover/Diners: 6011000000001119

  • JCB: 3337000000200079

  • CB (Visa): 4000000000003105

  • CB (Mastercard): 5200000000003118

  • Visa: 4000000000002420

  • Mastercard: 5200000000002664

  • AMEX: 340000000002484

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000981

  • CB (Visa): 4000000000004640

  • CB (Mastercard): 5200000000004124

outcome: challenged

outcome: unavailable eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

Proceed as non-authenticated transaction or retry verification request

Verification Error

Error whilst attempting verification

  • Visa: 4000000000001125

  • Mastercard: 5200000000001120

  • AMEX: 340000000001122

  • Discover/Diners: 6011000000001127

  • JCB: 3337000000200046

  • CB (Visa): 4000000000003113

  • CB (Mastercard): 5200000000003126

  • Visa: 4000000000002644

  • Mastercard: 5200000000002656

  • AMEX: 340000000002351

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000676

  • CB (Visa): 4000000000004913

  • CB (Mastercard): 5200000000004611

outcome: challenged

outcome: unavailable eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

Proceed as non-authenticated transaction or retry verification request

Bypass

Bypass the consumer authentication flow via Cardinal Rules Engine configuration. Returned if 3DS premium is enabled or when there is a timeout connecting to the 3DS directory server.

  • Visa: 4000000000001083

  • Mastercard: 5200000000001088

  • AMEX: 340000000001080

  • Discover/Diners: 6011000000001085

  • JCB: 3337000000000537

  • CB (Visa): 4000000000003089

  • CB (Mastercard): 5200000000003084

  • Visa: 4000000000002560

  • Mastercard: 5200000000002508

  • AMEX: 340000000002948

  • Discover/Diners: (2.1.0 only)

  • JCB: 3338000000000122

  • CB (Visa): 4000000000004400

  • CB (Mastercard): 5200000000004991

outcome: bypassed eci:

  • 07 - Visa/AMEX/Discover (Diners Cub)/JCB/Cartes Bancaires (Visa)

  • 00 - Mastercard/Cartes Bancaires (MC)

authenticationValue (cavv): Not returned liability shift: no

N/A

Proceed as non-authenticated transaction

Common Issues

Issue
Cause

Web Integration: challenge page fails to load

  • You cannot use a made up card number. You must use a test card value below or the challenge will not display correctly.

Issuer Challenge page fails to load on live (400 response)

  • You have 30 seconds to submit the challenge form (using the JWT) before it expires. On the Try environment this is 10 minutes.

PreviousChallenge display & VerificationNextOptional configuration

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