1a: Initial/First Recurring Transaction: Fixed Amount

The merchant initiates a (3RI) recurring transaction of a fixed amount for a specified number of transactions or with no set number of transactions such as occurs with subscription purchases. For more information, see Requester Initiated Payments.

Card Type	Test Card Number
Mastercard Card Type = 002	520000 00 0000 2805

Required Fields for Check Enrollment

Message category =

01

Device channel =

APP

(01),

BROWSER

(02)

Three RI Indicator =

01

Challenge code =

03

Authentication code =

02

Purchase date = <yyyyMMDDHHMMSS>

Recurring frequency = <1 to 31>

Recurring end = <yyyyMMDD>

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

C

CAVV = (No value provided)

ECI =

00

Results for the Validation Authentication Service

Reason code

=

100

ics_pa_validate

service was successful.

PARes status =

Y

CAVV = <CAVV>

ECI =

07

Card Network and Version Specifications

Visa Secure 2.1 does not support this use case. Visa Secure 2.2 test cards are in development.

For Mastercard Identity Check 2.1, 3RI is not supported for Payment Authentication. This means that only the initial transaction is supported for Recurring Payments.

If you attempt to run a Device Channel of 3RI within Mastercard Identity Check 2.1, you receive a transStatusReason=21 (3RI Transaction not Supported) and a transaction status of “U” rather than “Y.”

In EMV 3-D Secure 2.2, Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This is present on a Mastercard response message for this particular 3RI scenario. For EMV 3-D Secure 2.1, Mastercard will continue to use ECI 02.

Payer Authentication Exemption Test Cases

2a: Card Authentication Failed

This test case scenario tests how your system reacts to various Trans Status Reasons (failed, suspected fraud, and similar instances). When

PAResStatus

= N, the

CardholderInfo

field can be returned by the card issuer. When this cardholder information is returned, you must display this information within your checkout experience.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2040

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

N

CAVV = (No value provided)

Cardholder Info = <cardholder information>

ECI =

07

Reason code =

01

Payer Authentication Exemption Test Cases

2b: Suspected Fraud

This test case scenario checks for suspected fraud.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2149

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

U

CAVV = (No value provided)

ECI =

07

Reason code =

11

Payer Authentication Exemption Test Cases

2c: Cardholder Not Enrolled in Service

This test case scenario verifies whether the cardholder is enrolled in the service.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2164

Results for the Check Enrollment Service

Reason code

=

476

VERes enrolled =

Y

PARes status =

R

CAVV = (No value provided)

ECI =

07

Reason code =

13

Payer Authentication Exemption Test Cases

2d: Transaction Timed Out at the ACS

This test case scenario verifies whether a transaction will time out at the Access Control Server (ACS). This test case is valid for both payer authentication and non-payer authentication transactions.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2172

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

U

CAVV = (No value provided)

ECI =

07

Reason code =

14

Payer Authentication Exemption Test Cases

2e: Non-Payment Transaction Not Supported

This test case scenario checks whether a non-payment transaction can occur. This test case is valid for both payer authentication and non-payer authentication transactions.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2230

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

U

CAVV = (No value provided)

ECI =

07

Reason code =

20

Payer Authentication Exemption Test Cases

2f: 3RI Transaction Not Supported

This test case scenario verifies whether the merchant can initiate a recurring 3RI transaction, such as with subscriptions.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2248

Required Fields for Check Enrollment

Message category =

02

Device channel =

3RI (03)

Three RI Indicator =

01

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

U

CAVV = (No value provided)

ECI =

07

Reason code =

21

Payer Authentication Exemption Test Cases

3a: Transaction Risk Analysis Exemption: Low Value: Mastercard EMV 3-D Secure 2.1 and 2.2

You have performed a proprietary risk assessment and are requesting a transaction risk analysis, low risk, or low value exemption based on fraud thresholds established with the network. Be sure to use the correct test card number for your version of EMV 3-D Secure. The PARes Status will differ between the EMV 3-D Secure versions.

Card Type	Test Card Number
Mastercard Card Type = 002	(version 2.1.0) 5200 00 00 0000 1161 (version 2.2.0) 5200 00 00 0000 2052

Required Fields for Check Enrollment

Challenge code =

05

Results for the Check Enrollment Service

Reason code

=

100

Version 2.1.0

VERes enrolled =

Y

PARes status =

N

CAVV = <CAVV value>

ECI =

06

Reason code =

81

For Mastercard Identity Check, the ChallengeIndicator should be passed as

05

.

Version 2.2.0

VERes enrolled =

Y

PARes status =

I

CAVV = <CAVV value>

ECI =

06

Action

Proceed to Authorization.

You can also request the transaction risk analysis (TRA) exemption directly during authorization depending on the region and your agreements with your acquirer and the networks.

Payer Authentication Exemption Test Cases

3b: Transaction Risk Analysis: Low Value: Visa

The merchant has performed a proprietary risk assessment and is requesting a transaction risk analysis, low risk, or low value exemption based on fraud thresholds established with the network.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2024

Required Fields for Check Enrollment

Challenge code =

05

(no challenge requested)

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

I

CAVV = <CAVV value>

ECI =

07

Action

Proceed to Authorization.

You can also request the TRA exemption directly during authorization depending on the region and your agreements with your acquirer and the networks.

Payer Authentication Exemption Test Cases

3c: Transaction Risk Analysis: Low Value: Discover

The merchant has performed a proprietary risk assessment and is requesting a transaction risk analysis, low risk, or low value exemption based on fraud thresholds established with the network.

Card Type	Test Card Number
Discover Card Type = 004	601100 00 0000 1002

Required Fields for Check Enrollment

Challenge code =

04

(challenge requested)

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

Y

CAVV = <CAVV value>

ECI =

05

Action

Proceed to Authorization.

You can also request the TRA exemption directly during authorization depending on the region and your agreements with your acquirer and the networks.

Payer Authentication Exemption Test Cases

3d: Acquirer Transaction Risk Analysis: Cartes Bancaires

Merchant has performed a proprietary risk assessment and requests a transaction risk analysis, low risk, or low value exemption based on fraud thresholds established with the network.

Card Type	Test Card Number
Cartes Bancaires Visa Card Type = 036	400000 00 0000 3006
Cartes Bancaires Mastercard Card Type =036	520000 00 0000 3001

Required Fields for Check Enrollment

Challenge code =

05

(no challenge requested)

Results for the Check Enrollment Service

Reason code

=

100

VERes enrolled =

Y

PARes status =

Y

CAVV = <CAVV value> (The CAVV value is not returned during testing but can be returned in production based on issuer rules surrounding co-branding with Visa or Mastercard BINs.)

ECI = (no value provided)

Action

Proceed to Authorization.

You can also request the TRA exemption directly during authorization depending on the region and your agreements with your acquirer and the networks.

Payer Authentication Exemption Test Cases

4a: Trusted Beneficiary Prompt for Trustlist

You have a successful traditional step-up (challenge) authentication transaction with a prompt for the Trustlist and an accepted exemption result.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2008
Mastercard Card Type = 002	520000 00 0000 2003

Required Fields for Check Enrollment

Challenge code = 09 (challenge requested)

Results for the Check Enrollment Service

With the Cardinal Cruise API, the response will also include a StepUpUrl.

VERes enrolled =

Y

PARes status =

C

CAVV = (No value provided)

ECI =

Visa =

07

Mastercard =

00

Results for the Authenticate Response

PARes status =

Y

CAVV = <CAVV value>

ECI =

Visa =

05

Mastercard =

02

WhiteListStatus = <WhiteListStatus value>

WhiteListStatusSource = <WhiteListStatusSource value>

Action

You should append the CAVV and ECI values to the authorization message.

Payer Authentication Exemption Test Cases

4b: Utilize Trusted Beneficiary Exemption

There is a successful frictionless authentication transaction with a pre-whitelisted indication and an accepted exemption result.

Card Type	Test Card Number
Visa Card Type = 001	400000 00 0000 2016
Mastercard Card Type = 002	520000 00 0000 2011

Required Fields for Check Enrollment

Challenge code =

08

(No challenge requested)

Results for the Check Enrollment Service

Reason code

=

100

PARes status =

Y

CAVV = <CAVV value>

ECI =

Visa =

05

Mastercard =

02

WhiteListStatus = <WhiteListStatus value>

WhiteListStatusSource = <WhiteListStatusSource value>

ThreeDSVersion = <ThreeDSVersion value>

Action

Append the CAVV and ECI values to the authorization message.

Payer Authentication Exemption Test Cases

5a-1: Identity Check Insights (ScoreRequest = N)

This is a Mastercard Data Only authentication request.

Card Type	Test Card Number
Mastercard Card Type = 002	520000 00 0000 1005

Required Fields for Check Enrollment

MessageCategory =

80

Results for the Check Enrollment Service

Reason code

=

100

PAResStatus = U

CAVV = <CAVV value>

ECI =

04

StatusReason =

80

ThreeDSVersion = <ThreeDSVersion value>

Reason code

=

100

Action

Append the ECI and DS Transaction ID values to the authorization message.

Payer Authentication Exemption Test Cases

5a-2: Identity Check Insights (ScoreRequest = Y)

This is a Mastercard Data Only authentication request.

Card Type	Test Card Number
Mastercard Card Type = 002	520000 00 0000 1005

Required Fields for Check Enrollment

Message Category =

80

Optional Fields for Check Enrollment

Score Request = Y

Merchant Reason Code =

A

Results for the Check Enrollment Service

Reason code

=

100

PAResStatus =

U

CAVV = <CAVV value>

ECI =

04

StatusReason =

80

ThreeDSVersion = <ThreeDSVersion value>

Optional Results for the Check Enrollment Service (if ScoreRequest =
Y
)

IDCI_Score =

9

IDCI_Decisions =

not low risk

IDCI_ReasonCode1 =

A

IDCI_ReasonCode2 =

GG

Results for the Authentication Result

Reason code

=

100

Action

Append the ECI and DS Transaction ID values to the authorization message.

Payer Authentication Exemption Test Cases