2.2: Frictionless Authentication Is Unsuccessful

This test verifies that cardholder authentication without a challenge by the card issuer will fail.

American Express (Card Type = 003)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	34XXX XX XXXX 2X96

Cartes Bancaires Mastercard (Card Type = 036)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
52XXXX XX XXXX 3X19	52XXXX XX XXXX 4538

Cartes Bancaires Visa (Card Type = 036)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
4XXXXX XX XXXX 3X14	4XXXXX XX XXXX 4574

China UnionPay (Card Type = 062)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
62XXX1 XX XX1X XX1X	81XXX1 XX XXXX X647 621XX3 77 X3X8 1377

Diners Club (Card Type = 005)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	6X11XX XX XXXX 2364

Discover (Card Type = 004)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	6X11XX XX XXXX 2364

eftpos Mastercard (Card Type = 002)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
52XXXX XX XXXX 522X	—

eftpos Mastercard (Card Type = 070)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
516366 XX 1XXX XX19	—

eftpos Visa (Card Type = 001)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
4XXXXX XX XXXX 5X19	—

eftpos Visa (Card Type = 070)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
47X565 XX 1XXX XX18	—

Elo (Card Type = 054)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	65X529 XX XXXX 2X18

ITMX Mastercard (Card Type = 002)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
557755 X1 21XX XX1X	557755 X1 22XX XX17

ITMX Visa (Card Type = 001)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
4632X8 21 XXXX XX13	4632X8 22 XXXX XX12

JCB J/Secure (Card Type = 007)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	3338XX XX XXXX X361

mada Mastercard (Card Type = 060)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	52XXXX XX XXXX 8X1X 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 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	4XXXXX XX XXXX 8X4X 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 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	52XXXX XX XXXX 2276

Visa (Card Type = 001)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	4XXXXX XX XXXX 2925

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 for Meeza is

067

.

Results for the Check Enrollment Service

Status

=

AUTHENTICATION_FAILED

User failed authentication.

Payer cannot be authenticated.

VERes enrolled =

Y

PARes status =

N

E-Commerce Indicator (ECI) Values

This table lists the expected ECI raw value, 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	07
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

Results for the Validation Authentication Service

No results are returned.

Action

Even though the merchant can still authorize a failed 3-D Secure transaction as a non-authenticated transaction, it is not recommended to submit this transaction for authorization. Instead, ask the customer for another form of payment.