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2.5: Frictionless Authentication Is Rejected
This test verifies how your system reacts when authentication rejects the cardholder
without a challenge by the issuer.
Card Numbers
American Express (Card Type = 003)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 34XXX XX XXXX 2X62 |
Cartes Bancaires Mastercard (Card Type = 036)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
52XXXX XX XXXX 3X43 | 52XXXX XX XXXX 4405 |
Cartes Bancaires Visa (Card Type = 036)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
4XXXXX XX XXXX 3X48 | 4XXXXX XX XXXX 4517 |
China UnionPay (Card Type = 062)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
62XXX1 XX XX3X XX4X | 81XXX1 XX XXXX X415 621XX3 X8 5745 X241 |
Diners Club (Card Type = 005)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 6X11XX XX XXXX 2711 |
Discover (Card Type = 004)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 6X11XX XX XXXX 2711 |
eftpos Mastercard (Card Type = 002)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
52XXXX XX XXXX 555X | — |
eftpos Mastercard (Card Type = 070)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
516366 XX 1XXX XX43 | — |
eftpos Visa (Card Type = 001)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
4XXXXX XX XXXX 5X35 | — |
eftpos Visa (Card Type = 070)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
470565 XX 1XXX XX42 | — |
Elo (Card Type = 054)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 65X529 XX XXXX 2X83 |
ITMX Mastercard (Card Type = 002)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
557755 X1 21X X125 | 557755 X1 22XX X1X8 |
ITMX Visa (Card Type = 001)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
4632X8 21 XXXX X12X | 4632X8 22 XXXX X1X3 |
JCB J/Secure (Card Type = 007)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
3337XX XX XXXX X321 | 3338XX XX XXXX X734 |
mada Mastercard (Card Type = 060)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 52XXXX XX XXXX 8X8X The merchant's country must be set to SA within
the merchant profile, or the CountryCodeOverride field
must be set to SA on the Lookup Request. The
response will include the 3-D Secure operator ID,
DS reference number, brand authentication, and the ACS reference
number. |
mada Visa (Card Type = 060)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 4XXXXX XX XXXX 813X The merchant's country must be set to SA within
the merchant profile, or the CountryCodeOverride field
must be set to SA on the Lookup Request. The
response will include the 3-D Secure operator ID,
DS reference number, brand authentication, and the ACS reference
number. |
Mastercard (Card Type = 002)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 52XXXX XX XXXX 2185 |
Visa (Card Type = 001)
3-D Secure 2.1.0 | 3-D Secure 2.2.0 |
|---|---|
— | 4XXXXXXX XXXX 2537 |
Results for the Check Enrollment Service
Status
= AUTHENTICATION_FAILED
- User failed authentication.
- Payer cannot be authenticated.
VERes enrolled =
Y
PARes status =
R
AVV = <No value provided>
CAAV = <No value provided>
E-Commerce Indicator (ECI) Values
This table lists the expected ECI raw values and their respective string values.
These values indicate whether the payer was authenticated by the card network. These
values should be passed under this test condition when a transaction is submitted
for payment authorization.
Network | ECI Raw Value | ECI String Value |
|---|---|---|
American Express | 07 | internet |
Cartes Bancaires Mastercard | 00 | internet |
Cartes Bancaires Visa | 07 | internet or vbv_failure |
China UnionPay | 07 | up3ds_failure |
Diners Club | 07 | internet |
Discover | 07 | internet |
eftpos | 07 | oci_failure |
Elo | 07 | internet |
ITMX Mastercard | 00 | |
ITMX Visa | 07 | lss_failure |
JCB J/Secure | 07 | internet |
mada Mastercard | 00 | mada_failure or internet |
mada Visa | 07 | mada_failure or vbv_failure |
Mastercard | 00 | internet |
Visa | 07 | internet or vbv_failure |
IMPORTANT
The Meeza card can be tested in the same
manner as Mastercard using the same test card numbers. The only difference is that
the card type value for Meeza is
067
. Results for the Validation Authentication Service
No results are returned.
Action
You are not permitted to submit this transaction for authorization. Instead, ask the
customer for another form of payment.