2.10: Step-Up Authentication Is Unsuccessful

This test verifies that the step-up (challenge) authentication transaction fails whenever the cardholder challenge fails.

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 2237
Cartes Bancaires Mastercard Card Type = 036	520000 00 0000 3100	520000 00 0000 4124
Cartes Bancaires Visa Card Type = 036	400000 00 0000 3097	400000 00 0000 4293
Diners Club Card Type = 005	—	601100 00 0000 2695
Discover Card Type = 004	—	601100 00 0000 2695
EFTPOS Mastercard Card Type = 002	520000 00 0000 5329	—
EFTPOS Visa Card Type = 001	400000 00 0000 5217	—
Elo Card Type = 054	—	650529 00 0000 2208
ITMX Mastercard Card Type = 002	557755 01 2100 0034	557755 01 2200 0033
ITMX Visa Card Type = 001	463208 21 0000 00039	463208 22 0000 0038
JCB J/Secure Card Type = 007	—	333800 00 0000 0874
mada Mastercard Card Type = 060	—	520000 00 0000 8170 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 8280 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 2490
UnionPay International Card Type = 062	620001 99 9970 0029	810001 00 0000 0803
Visa Card Type = 001	—	400000 00 0000 2370

Reason code

=

475

The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.

VERes enrolled =

Y

PARes status =

C

PAReq = <PAReq value>

ACS URL = <URL value>

This table lists the expected ECI raw valuea and their respective string values from this transaction. 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

Reason code

=

476

PARes status =

N

XID = <XID value> (American Express only)

This table lists the expected ECI raw valuea and their respective string values from this transaction. These values indicate whether the payer was validated 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

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