2.2: Frictionless Authentication Is Unsuccessful
This test verifies that cardholder authentication without a challenge by the card issuer will
fail.
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 2096 |
Cartes Bancaires Mastercard Card Type = 036 | 520000 00 0000 3019 | 520000 00 0000 4538 |
Cartes Bancaires Visa Card Type = 036 | 400000 00 0000 3014 | 400000 00 0000 4574 |
Diners Club Card Type = 005 | — | 601100 00 0000 2364 |
Discover Card Type = 004 | — | 601100 00 0000 2364 |
EFTPOS Mastercard Card Type = 002 | 520000 00 0000 5220 | — |
EFTPOS Visa Card Type = 001 | 400000 00 0000 5019 | — |
Elo Card Type = 054 | — | 650529 00 0000 2018 |
ITMX Mastercard Card Type = 002 | 557755 01 2100 0010 | 557755 01 2200 0017 |
ITMX Visa Card Type = 001 | 463208 21 0000 0013 | 463208 22 0000 0012 |
JCB J/Secure Card Type = 007 | — | 333800 00 0000 0361 |
mada Mastercard Card Type = 060 | — | 520000 00 0000 8010 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 8040 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 2276 |
UnionPay International Card Type = 062 | 620001 00 0010 0010 | 810001 00 0000 0647 |
Visa Card Type = 001 | — | 400000 00 0000 2925 |
The Meeza card is supported in payer
authentication and 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
Reason code
= 476
- User failed authentication.
- Payer cannot be authenticated.
VERes enrolled =
Y
PARes status =
N
E-Commerce Indicator (ECI) Values
This table lists the expected ECI raw value, 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 | 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 |
UnionPay International | 07 | up3ds_failure |
Visa | 07 | internet or vbv_failure |
Results for the Validation Authentication Service
No results are returned.
Action
Even though the merchant can still authorize a failed 3-D Secure transaction as a
non-authenticated transaction, it is not recommended to submit this transaction for
authorization. Instead, ask the customer for another form of payment.