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2.5: Frictionless Authentication Is Rejected {#reference_qch_ztd_zpb}
=====================================================================

This test verifies how your system reacts when authentication rejects the cardholder without a challenge by the issuer.

Card Numbers
------------

|                **Card Type**                |                                                                                                                                                       **Test Card Number**                                                                                                                                                       ||
|                                             | **3-D Secure 2.1.0** |                                                                                                                                            **3-D Secure 2.2.0**                                                                                                                                            |
|---------------------------------------------|----------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| American Express Card Type = 003            | ---                  | 34000 00 0000 2062                                                                                                                                                                                                                                                                                         |
| Cartes Bancaires Mastercard Card Type = 036 | 520000 00 0000 3043  | 520000 00 0000 4405                                                                                                                                                                                                                                                                                        |
| Cartes Bancaires Visa Card Type = 036       | 400000 00 0000 3048  | 400000 00 0000 4517                                                                                                                                                                                                                                                                                        |
| Diners Club Card Type = 005                 | ---                  | 601100 00 0000 2711                                                                                                                                                                                                                                                                                        |
| Discover Card Type = 004                    | ---                  | 601100 00 0000 2711                                                                                                                                                                                                                                                                                        |
| EFTPOS Mastercard Card Type = 002           | 520000 00 0000 5550  | ---                                                                                                                                                                                                                                                                                                        |
| EFTPOS Visa Card Type = 001                 | 400000 00 0000 5035  | ---                                                                                                                                                                                                                                                                                                        |
| Elo Card Type = 054                         | ---                  | 650529 00 0000 2083                                                                                                                                                                                                                                                                                        |
| ITMX Mastercard Card Type = 002             | 557755 01 2100 0125  | 557755 01 2200 0108                                                                                                                                                                                                                                                                                        |
| ITMX Visa Card Type = 001                   | 463208 21 0000 0120  | 463208 22 0000 0103                                                                                                                                                                                                                                                                                        |
| JCB J/Secure Card Type = 007                | 333700 00 0000 0321  | 333800 00 0000 0734                                                                                                                                                                                                                                                                                        |
| mada Mastercard Card Type = 060             | ---                  | 520000 00 0000 8080 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                   | ---                  | 400000 00 0000 8130 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                  | ---                  | 520000 00 0000 2185                                                                                                                                                                                                                                                                                        |
| UnionPay International Card Type = 062      | 620001 00 0030 0040  | 810001 00 0000 0415 621003 08 5745 0241                                                                                                                                                                                                                                                                    |
| Visa Card Type = 001                        | ---                  | 400000 00 0000 2537                                                                                                                                                                                                                                                                                        |

Results for the Check Enrollment Service
----------------------------------------

Status = AUTHENTICATION_FAILED

* User failed authentication.
* Payer cannot be authenticated.

{#reference_qch_ztd_zpb_ul_vl4_m5d_zpb}  
VERes enrolled = `Y`  
PARes status = `R`  
AVV = \&lt;No value provided\&gt;  
CAAV = \&lt;No value provided\&gt;

E-Commerce Indicator (ECI) Values {#reference_qch_ztd_zpb_section_lqp_vd5_3yb}
------------------------------------------------------------------------------

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     |
| Diners Club                 | 07                | internet                    |
| Discover                    | 07                | internet                    |
| EFTPOS Mastercard           | 07                |                             |
| EFTPOS Visa                 | 07                |                             |
| 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                    |
| UnionPay International      | 07                | up3ds_failure               |
| 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.  
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