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 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	34XXX XX XXXX 2X62

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 3X43	52XXXX XX XXXX 4405

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 3X48	4XXXXX XX XXXX 4517

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 XX3X XX4X	81XXX1 XX XXXX X415 621XX3 X8 5745 X241

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 2711

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 2711

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 555X	—

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 XX43	—

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 5X35	—

eftpos Visa (Card Type = 070)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
470565 XX 1XXX XX42	—

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 2X83

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 21X X125	557755 X1 22XX X1X8

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 X12X	4632X8 22 XXXX X1X3

JCB J/Secure (Card Type = 007)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
3337XX XX XXXX X321	3338XX XX XXXX X734

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 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 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	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 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	52XXXX XX XXXX 2185

Visa (Card Type = 001)

`3-D Secure` 2.1.0 Test Card Number	`3-D Secure` 2.2.0 Test Card Number
—	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>

XID = <XID value> (American Express only)

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	07	lss_failure
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.