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Test Authentication

Use this table to determine how to test your authentication method.

Authentication Testing by Product
Payment Method	Authentication	Minimum Follow-On Actions	Prerequisites	Test Cards	Details
PAN Entry	`Payer Authentication` through `Unified Checkout`	Authorization and `Payer Authentication`	The transacting MID must be enabled for `Payer Authentication` and the complete mandate is used with the consumerAuthentication field set to 3DS or PASSKEY .	See Testing `Payer Authentication` in the `Payer Authentication` Developer Guide.	When the complete mandate is not used, `Unified Checkout` does not initiate authentication and you must perform authentication within your own environment.
`Click to Pay`	`Payer Authentication` through `Unified Checkout`	Authorization and `Payer Authentication`	The transacting MID must be enabled for `Payer Authentication` and the complete mandate is used with the consumerAuthentication field set to 3DS or PASSKEY . Authentication for `Click to Pay` must not be configured.	See Unified Checkout Test Cards.	When authentication is not enabled for `Click to Pay` or `Click to Pay` is not able to perform authentication for `Click to Pay`, `Unified Checkout` performs authentication using `Payer Authentication` when the complete mandate is used with the consumerAuthentication field set to 3DS or PASSKEY .
`Click to Pay`	Visa `Click to Pay`	Authorization and `Payer Authentication`	You must configure the authentication for `Click to Pay`. `Click to Pay` performs authentication only if it is a tokenized Visa or Mastercard card.	See Test Cards for Authentication by Click to Pay. Mastercard authentication test cards are available on the Mastercard Checkout Solutions page in the Mastercard Developer Center.	When authentication is enabled for `Click to Pay`, authentication is attempted for all `Click to Pay` transactions for Visa and Mastercard cards that are stored in `Click to Pay`. For information about setting up authentication for Visa `Click to Pay`, see Set Up Customer Authentication for Click to Pay.
Google Pay	Google Pay	Authorization	A Google device must be used with biometric authentication for Google authentication.		A user authenticates themselves on a Google device with a tokenized Google Pay credential. The returned payload from Google is authenticated.
Google Pay	`Payer Authentication` through `Unified Checkout`	Authorization and `Payer Authentication`	You must use a device, such as a web browser, that does not authenticate the cardholder as part of the authorization process.		Google returns an un-authenticated payload to `Unified Checkout`. `Unified Checkout` processes authentication via `Payer Authentication` when the complete mandate function is used with consumerAuthentication .