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2.10: Step-Up Authentication Is Unsuccessful

This test verifies that the step-up (challenge) authentication transaction fails whenever the cardholder challenge fails.

Card Numbers

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 2237

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 31XX
52XXXX XX XXXX 4124

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 3X97
4XXXXX XX XXXX 4293

China UnionPay (Card Type = 062)

3-D Secure
 2.1.0
 Test Card Number
3-D Secure
 2.2.0
 Test Card Number
62XXX1 99 997X XX29
81XXX1 XX XXXX X8X3
621XX3 81 8186 8X38

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 2695

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 2695

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 5329
—

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 XX92
—

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 5217
—

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 XX91
—

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 22X8

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 XX34
557755 X1 22XX XX33

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 XX39
4632X8 22 XXXX XX38

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 X874

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 817X
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 828X
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 249X

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 2370
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

=
PENDING_AUTHENTICATION
The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.
VERes enrolled =
Y
PARes status =
C
PAReq = <PAReq value>
ACS URL = <URL value>

E-Commerce Indicator (ECI) Values

This table lists the expected raw ECI values and their respective string values from this transaction. 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
mada Mastercard
00
mada_failure or internet
mada Visa
07
mada_failure or vbv_failure

Results for the Validation Authentication Service

=
AUTHENTICATION_FAILED
  • User failed authentication.
  • Payer cannot be authenticated.
PARes status =
N
XID = <XID value> (American Express only)

E-Commerce Indicator (ECI) Values

This table lists the expected raw ECI values and their respective string values from this transaction. These values indicate whether the payer was validated 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

Action

You are not permitted to submit this transaction for authorization. Instead, ask the customer for another form of payment.