2.5: Frictionless Authentication Is Rejected

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

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
Visa Card Type = 001	—	400000 00 0000 2537

Reason code

=

476

VERes enrolled =

Y

PARes status =

R

AVV = <No value provided>

CAAV = <No value provided>

This table lists the expected ECI raw valuse 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

No results are returned.

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