Test Cases for 3D Secure 1.0

Visa Secure

You can use Payer Authentication services with 16- and 19-digit Visa cards if they are supported by your processor.

Remove spaces in card numbers when testing.

Table 12Possible Values for Visa Secure Response Fields
Result and Interpretation		Validate Authentication Response
		Authentication Result	ECI	Commerce Indicator	Response Flag
Success	Successful authentication.	0	05	vbv	SOK
Success	Recorded attempt to authenticate.	1	06	vbv_attempted	SOK
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but there is no liability shift.	6	1	— ²	SOK
	Issuer unable to perform authentication.	6	07	internet	SOK
	No response from the Directory Servers or Issuer because of a problem.		07	internet vbv_failure (processors: AIBMS, Barclays, Streamline, or FDC Germany)
	Invalid PARes.	-1	—	—	DAUTHENTICATIONFAILED

Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	DAUTHENTICATIONFAILED
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.

Test Case 1: Visa Secure Card Enrolled: Successful Authentication
Card Number	445653 00 0000 0007 445653 00 0000 0000 025	With authentication window With 19-digit PAN
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	vbv
	VERes enrolled	Y	ECI	05
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request.

Test Case 2: Visa Secure Card Enrolled: Successful Authentication but Invalid PARes
Card Number	445653 00 0000 0015	With authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL	URL value	Authentication result	-1
	PAReq	PAReq value	XID	XID value
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not proceed with authorization. Instead, ask the customer for another form of payment.

Test Case 3: Visa Secure Card Enrolled: Attempts Processing
Card Number	445653 00 0000 0106	Without authentication window
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	1
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	vbv_attempted
	VERes enrolled	Y	ECI	06
	XID	XID value	PARes status	A
			XID	XID value
Action	If you request Validate Authentication and authorization services separately, follow these steps: 1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request. If you request the Validate Authentication and authorization services together, the process described above occurs automatically. Test card 4000000000000127 enables you to reproduce the process by which the customer enrolls the card during the purchase. If the card is not enrolled, a card enrollment option windows appears in the customer’s browser after the enrollment check. The customer can activate the card at that time or later. In both cases, the card is authenticated, and validation is successful.

Test Case 4: Visa Secure Card Enrolled: Incomplete Authentication
Card Number	445653 00 0000 0031
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nIssuer unable to perform authentication. nics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	E-commerce indicator	internet or vbv_failure
	proofXML	proofXML value	ECI	07
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 5: Visa Secure Card Enrolled: Unsuccessful Authentication
Card Number	445653 00 0000 0023	With authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication. nPayer cannot be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 6: Visa Secure Card Enrolled: Unsuccessful Authentication (Customer Exited)
Card Number	445653 00 0000 0023
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nCustomer prevents authentication. nics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 7: Visa Secure Card Enrolled: Unavailable Authentication
Card Number	445653 00 0000 0064
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet or vbv_failure
	proofXML	proofXML value
	VERes enrolled	U
Action	Submit your authorization request. No liability shift.

Test Case 8: Visa Secure Card Enrolled: Authentication Error
Card Number	445653 00 0000 0098
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	E-commerce indicator	internet or vbv_failure
	PAReq	PAReq value	ECI	07
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Ask the customer for another form of payment. No liability shift.

Test Case 9: Visa Secure Card Not Enrolled
Card Number	445653 00 0000 0056
Auth. Type	Non-participating bank
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	vbv_attempted
	ECI	06
	proofXML	proofXML value
	VERes enrolled	N
Action	Submit your authorization request. Liability shift.

Test Case 10: Visa Secure Enrollment Check: Time-Out
Card Number	445653 00 0000 0049
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet or vbv_failure
Details	proofXML	proofXML value
Action	After 10-12 seconds, proceed with the authorization request. No liability shift.

Test Case 11: Visa Secure Enrollment Check Error
Card Number	445653 00 0000 0080	Error response
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet or vbv_failure
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.

Mastercard Identity Check

Table 13Possible Values for Mastercard Identity Check and Maestro Response Fields
Result and Interpretation		pa_validate_
		authentication_result	ucaf_collection_indicator	e_commerce_indicator	rflag
Success	Successful authentication.	0	2	spa	100
	Recorded attempt to authenticate.	1	1	spa	100
	Authentication not completed.	1	0	spa	100
Failure (Customer not responsible)	System error (Issuer unable to perform authentication): you cannot authorize this card; no liability shift.	6	0	internet	100
Failure (Customer not responsible)	Invalid PARes.	-1	0		476
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication.	9	0	–	476

Test Case 16: Mastercard Identity Check Card Enrolled: Successful Authentication
Card Number	520000 00 0000 0007 520000 00 0000 0114	With authentication window Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The card is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	AAV	AAV value
	proofXML	proofXML value	Collection indicator	2
	VERes enrolled	Y	E-commerce indicator	spa
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the required payer authentication values to your authorization request.

Test Case 17: Mastercard Identity Check Card Enrolled: Successful Authentication but Invalid PARes
Card Number	520000 00 0000 0015	With authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		Payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL	URL	Authentication result	-1
	PAReq	PAReq value	XID	XID value
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not process the authorization request. Instead ask the customer for another form of payment.

Test Case 18: Mastercard Identity Check Card Enrolled: Attempts Processing
Card Number	520000 00 0000 0122 520000 00 0000 0106	Card enrollment option during purchase process
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	1
	PAReq	PAReq value	AAV	AAV value
	proofXML	proofXML value	Collection indicator	1
	VERes enrolled	Y	E-commerce indicator	spa
	XID	XID value	PARes status	A
			XID	XID value
Action	This test card enables you to reproduce the process by which the customer enrolls the card during the purchase. If the card is not enrolled, a card enrollment option windows appears in the customer’s browser after the enrollment check. The customer can activate the card at that time or later. In both cases, the card is authenticated, and validation is successful. 1Add the signed PARes to the validation request. 2In the response, ensure that the XID from the enrollment check matches that from the validation. 3Add the required payer authentication values to your authorization request.

Test Case 19: Mastercard Identity Check Card Enrolled: Incomplete Authentication
Card Number	520000 00 0000 0031	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nics_pa_validate service was successful. nIssuer unable to perform authentication.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	Collection indicator	0
	proofXML	proofXML value	E-commerce indicator	internet
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 20: Mastercard Identity Check Card Enrolled: Unsuccessful Authentication
Card Number	520000 00 0000 0023	With authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication nPayer could not be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value
	VERes enrolled	Y	XID	XID value
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 21: Mastercard Identity Check Card Enrolled: Unsuccessful Authentication (Customer Exited)
Card Number	564182 10 0001 0028
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nCustomer prevents authentication. nics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 22: Mastercard Identity Check Card Enrolled: Unavailable Authentication
Card Number	520000 00 0000 0064
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	Collection indicator	0
	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Submit the transaction. No liability shift.

Test Case 23: Mastercard Identity Check Card Enrolled: Authentication Error
Card Number	520000 00 0000 0098	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	Collection indicator	0
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Ask the customer for another form of payment. No liability shift.

Test Case 24: Mastercard Identity Check Enrollment Check Time-Out
Card Number	520000 00 0000 0049
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	Collection indicator	0
	E-commerce indicator	spa
	proofXML	proofXML value
Action	After 10-12 seconds, proceed with the authorization message. No liability shift.

Test Case 25: Mastercard Identity Check Enrollment Check Error
Card Number	520000 00 0000 0080
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	Collection indicator	0
	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.

Test Case 26: Mastercard Identity Check RIBA_PASS
Card Number	520018 00 0000 0007
Auth. Type	Passive authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The card is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	AAV	AAV value
	proofXML	proofXML value	Collection indicator	2
	VERes enrolled	Y	E-commerce indicator	spa
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the required payer authentication values to your authorization request.

Test Case 27: Mastercard Identity Check RIBA_PASS: Unsuccessful Authentication
Card Number	520018 00 0000 0023
Auth. Type	Passive authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication nPayer could not be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value
	VERes enrolled	Y	XID	XID value
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 28: Mastercard Identity Check RIBA
Card Number	520026 00 0000 0007	With authentication window
Auth. Type	Risk-based bank
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The card is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	AAV	AAV value
	proofXML	proofXML value	Collection indicator	2
	VERes enrolled	Y	E-commerce indicator	spa
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the required payer authentication values to your authorization request.

Test Case 29: Mastercard Identity Check RIBA: Unsuccessful Authentication
Card Number	520026 00 0000 0023	With authentication window
Auth. Type	Risk-based bank
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication nPayer could not be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value
	VERes enrolled	Y	XID	XID value
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Maestro

Test Case 30: Maestro Card Enrolled: Successful Authentication
Card Number	675941 11 0000 0008 675941 00 0000 6404	Without authentication window With authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	AAV	AAV value
	proofXML	proofXML value	Collection indicator	2
	VERes enrolled	Y	E-commerce indicator	spa
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the validation request. 2In the response, ensure that the XID from the enrollment check matches that from the validation. 3Add the required payer authentication values to your authorization request.

Test Case 31: Maestro Card Enrolled: Successful Authentication but Invalid PARes
Card Number	633110 12 3456 7892	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		Payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL	URL	Authentication result	-1
	PAReq	PAReq value	XID	XID value
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not process the authorization request. Instead ask the customer for another form of payment.

Test Case 32: Maestro Card Enrolled: Attempts Processing
Card Number	560000 00 0000 00 0193	Card enrollment option during purchase process
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	1
	PAReq	PAReq value	AAV	AAV value
	proofXML	proofXML value	E-commerce indicator	spa
	VERes enrolled	Y	PARes status	A
	XID	XID value	XID	XID value
Action	This test card enables you to reproduce the process by which the customer enrolls the card during the purchase. If the card is not enrolled, a card enrollment option windows appears in the customer’s browser after the enrollment check. The customer can activate the card at that time or later. In both cases, the card is authenticated, and validation is successful. 1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the required payer authentication values to your authorization request.

Test Case 33: Maestro Card Enrolled: Incomplete Authentication
Card Number	633110 12 5035 3227	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		Issuer unable to perform authentication.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	Collection indicator	0
	proofXML	proofXML value	E-commerce indicator	spa
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 34: Maestro Card Enrolled: Unsuccessful Authentication
Card Number	633110 06 1019 4313	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		User failed authentication
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 35: Maestro Card Enrolled: Unavailable Authentication
Card Number	633110 02 6697 7839
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	Collection indicator	0
	E-commerce indicator	spa
	proofXML	proofXML value
Action	Submit the transaction. No liability shift.

Test Case 36: Maestro Card Enrolled: Authentication Error
Card Number	560000 51 1607 57 7094	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	Collection indicator	0
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not request authorization. Instead ask the customer for another form of payment. No liability shift.

Test Case 37: Maestro Enrollment Check Error
Card Number	560000 84 1211 09 2515
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	Collection indicator	0
	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.

American Express SafeKey

Table 14Possible Values for American Express SafeKey Response Fields
Result and Interpretation		Validate Authentication Response
		Authentication Result	ECI	Commerce Indicator	Response Flag
Success	Successful authentication.	0	05	aesk	SOK
Success	Recorded attempt to authenticate.	1	06	aesk_attempted	SOK
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but there is no liability shift.	6	1	— ²	SOK
	Issuer unable to perform authentication.	6	07	internet	SOK
	Incomplete or unavailable authentication.		07	internet
	Invalid PARes.	-1	—	—	DAUTHENTICATIONFAILED
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	DAUTHENTICATIONFAILED
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.

Test Case 38: American Express SafeKey Card Enrolled: Successful Authentication
Card Number	340000 00 0003 961 371449 11 1020 228	Without authentication window With authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	0
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	aesk
	VERes enrolled	Y	ECI	05
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request.

Test Case 39: American Express SafeKey Card Enrolled: Successful Authentication but Invalid PARes
Card Number	340000 00 0006 022
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL	URL value	Authentication result	-1
	PAReq	PAReq value	XID	XID value
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not proceed with authorization. Instead, ask the customer for another form of payment.

Test Case 40: American Express SafeKey Card Enrolled: Attempts Processing
Card Number	340000 00 0003 391 344400 00 0000 569	Without authentication window Card enrollment option during purchase process
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	1
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	aesk_attempted
	VERes enrolled	Y	ECI	06
	XID	XID value	PARes status	A
			XID	XID value
Action	If you request Validate Authentication and authorization services separately, follow these steps: 1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request. If you request the validation and authorization services together, the process described above occurs automatically.

Test Case 41: American Express SafeKey Card Enrolled: Incomplete Authentication
Card Number	340000 00 0002 302	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value	ECI	07
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 42: American Express SafeKey Card Enrolled: Unsuccessful Authentication
Card Number	340000 00 0000 033	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication. nPayer cannot be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	ECI	07
	VERes enrolled	Y	XID	XID value
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 43: American Express SafeKey Card Enrolled: Unavailable Authentication
Card Number	340000 00 0007 780
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Submit your authorization request. No liability shift.

Test Case 44: American Express SafeKey Card Enrolled: Authentication Error
Card Number	340000 00 0009 299
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	ECI	07
	PAReq	PAReq value	E-commerce Indicator	internet
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Ask the customer for another form of payment. No liability shift.

Test Case 45: American Express SafeKey Card Not Enrolled
Card Number	340000 00 0008 135
Auth. Type	Non-participating bank
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	ECI	07
	proofXML	proofXML value
	VERes enrolled	N
Action	Submit the transaction.

Test Case 46: American Express SafeKey Enrollment Check: Time-Out
Card Number	340000 00 0008 309
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	ECI	07
	proofXML	proofXML value
Action	After 10-12 seconds, proceed with the authorization request. No liability shift.

Test Case 47: American Express SafeKey Enrollment Check Error
Card Number	340000 00 0007 244
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. If you requested payer authentication and authorization together, the authorization is processed automatically. No liability shift.

JCB J/Secure

Table 15Possible Values for JCB J/Secure Response Fields
Result and Interpretation		pa_validate_
		authentication_result	eci	e_commerce_indicator	rflag
Success	Successful authentication.	0	05	js	100
Success	Recorded attempt to authenticate	1	06	js_attempted	100
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but no liability shift.	6	¹	—²
	Issuer unable to perform authentication	6	07	internet	100
	Incomplete or unavailable authentication.		07	internet js_failure
	Invalid PARes.	-1	00		476
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	476
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.

Test Case 48: JCB J/Secure Card Enrolled: Successful Authentication
Card Number	356999 00 1008 3722	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	js
	VERes enrolled	Y	ECI	05
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request.

Test Case 49: JCB J/Secure Card Enrolled: Successful Authentication but Invalid PARes (Signature Failure)
Card Number	356999 00 1008 3748
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL PAReq VERes enrolled	URL value PAReq value Y	Authentication result XID	-1 XID value




Action	Do not proceed with authorization. Instead ask the customer for another form of payment.

Test Case 50: JCB J/Secure Card Enrolled: Attempted Authentication
Card Number	356996 00 1008 3758
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	1
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	js_attempted
	VERes enrolled	Y	ECI	06
	XID	XID value	PARes status	A
			XID	XID value
Action	If you request Validate Authentication and authorization services separately, follow these steps: 1Add the signed PARes to the validation request. 2In the response, ensure that the XID from the enrollment check matches that from the validation. 3Add the CAVV and ECI values to your authorization request. If you request the Validate Authentication and authorization services together, the process described above occurs automatically.

Test Case 51: JCB J/Secure Card Enrolled: Incomplete Authentication (Unavailable)
Card Number	354159 99 9810 3643	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nIssuer unable to perform authentication. nics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value	ECI	07
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 52: JCB J/Secure Card Enrolled: Failed Authentication
Card Number	356999 01 1008 3721	Without authentication window
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication. nPayer cannot be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 53: JCB J/Secure Card Enrolled: Unavailable Authentication
Card Number	354159 99 9910 3865
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Submit your authorization request. No liability shift.

Test Case 54: JCB J/Secure Card Enrolled: Authentication Error Processing PARes
Card Number	354159 99 9910 3881
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	ECI	07
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Ask the customer for another form of payment. No liability shift.

Test Case 55: JCB J/Secure Card Not Enrolled
Card Number	356997 00 1008 3724
Auth. Type	Non-participating bank
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	js_attempted
	ECI	06
	proofXML	proofXML value
	VERes enrolled	N
Action	Submit your authorization request.

Test Case 56: JCB J/Secure Enrollment Check: Time-Out
Card Number	356998 00 1008 3723
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
Details	proofXML	proofXML value
Action	After 10-12 seconds, proceed with the authorization request. No liability shift.

Test Case 57: JCB J/Secure Enrollment Check: Lookup Error Processing Message Request
Card Number	354159 99 6910 3614
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.

Diners Club ProtectBuy

Table 16Possible Values for Diners Club ProtectBuy Response Fields
Result and Interpretation		Validate Authentication Response
		Authentication Result	ECI	Commerce Indicator	Response Flag
Success	Successful authentication.	0	05	pb	SOK
Success	Recorded attempt to authenticate.	1	06	pb_attempted	SOK
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but there is no liability shift.	6	¹	— ²	SOK
	Issuer unable to perform authentication.	6	07	internet	SOK
	Incomplete or unavailable authentication.		07	internet
	Invalid PARes.	-1	—	—	DAUTHENTICATIONFAILED
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	DAUTHENTICATIONFAILED
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.

Test Case 58: Diners Club ProtectBuy Card Enrolled: Successful Authentication
Card Number	300500 00 0000 6246
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	pb
	VERes enrolled	Y	ECI	05
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request.

Test Case 59: Diners Club ProtectBuy Card Enrolled: Successful Authentication but Invalid PARes
Card Number	300500 00 0000 4373
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL	URL value	Authentication result	-1
	PAReq	PAReq value	XID	XID value
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not proceed with authorization. Instead, ask the customer for another form of payment.

Test Case 60: Diners Club ProtectBuy Card Enrolled: Attempts Processing
Card Number	300500 00 0000 5271	Card enrollment option during purchase process
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	1
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	pb_attempted
	VERes enrolled	Y	ECI	06
	XID	XID value	PARes status	A
			XID	XID value
Action	If you request Validate Authentication and authorization services separately, follow these steps: 1Add the signed PARes to the validation request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request. If you request the Validate Authentication and authorization services together, the process described above occurs automatically.

Test Case 61: Diners Club ProtectBuy Card Enrolled: Incomplete Authentication
Card Number	300500 00 0000 7376
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nIssuer unable to perform authentication. nics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value	ECI	07
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 62: Diners Club ProtectBuy Card Enrolled: Unsuccessful Authentication
Card Number	300500 00 0000 5925
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication. nPayer cannot be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 63: Diners Club ProtectBuy Card Enrolled: Unavailable Authentication
Card Number	300500 00 0000 6030
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Submit your authorization request. No liability shift.

Test Case 64: Diners Club ProtectBuy Card Enrolled: Authentication Error
Card Number	300500 00 0000 5602
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	E-commerce indicator	internet
	PAReq	PAReq value	ECI	07
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Ask the customer for another form of payment. No liability shift.

Test Case 65: Diners Club ProtectBuy Card Not Enrolled
Card Number	300500 00 0000 7269
Auth. Type	Non-participating bank
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	ECI	07
	proofXML	proofXML value
	VERes enrolled	N
Action	Submit the transaction.

Test Case 66: Diners Club ProtectBuy Enrollment Check: Time-Out
Card Number	300500 00 0000 1890
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
Details	proofXML	proofXML value
Action	After 10-12 seconds, proceed with the authorization request. No liability shift.

Test Case 67: Diners Club ProtectBuy Enrollment Check Error
Card Number	300500 00 0000 9877 300500 00 0000 4837	Error response Incorrect Configuration: Unable to Authenticate
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.

Discover ProtectBuy

Table 17Possible Values for Discover ProtectBuy Response Fields
Result and Interpretation		Validate Authentication Response
		Authentication Result	ECI	Commerce Indicator	Response Flag
Success	Successful authentication.	0	05	dipb	SOK
Success	Recorded attempt to authenticate.	1	06	dipb_attempted	SOK
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but there is no liability shift.	6	¹	— ²	SOK
	Issuer unable to perform authentication.	6	07	internet	SOK
	Incomplete or unavailable authentication.		07	internet
	Invalid PARes.	-1	—	—	DAUTHENTICATIONFAILED
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	DAUTHENTICATIONFAILED
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.

Test Case 68: Discover ProtectBuy Card Enrolled: Successful Authentication
Card Number	601100 00 0000 0004
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL	Authentication result	0
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	dipb
	VERes enrolled	Y	ECI	05
	XID	XID value	PARes status	Y
			XID	XID value
Action	1Add the signed PARes to the Validate Authentication request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request.

Test Case 69: Discover ProtectBuy Card Enrolled: Successful Authentication but Invalid PARes
Card Number	601100 00 0000 0012
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: PARes signature digest value mismatch. PARes message has been modified.
Details	ACS URL	URL value	Authentication result	-1
	PAReq	PAReq value	XID	XID value
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Do not proceed with authorization. Instead, ask the customer for another form of payment.

Test Case 70: Discover ProtectBuy Card Enrolled: Attempts Processing
Card Number	601100 00 0000 0038	Card enrollment option during purchase process
Auth. Type	Activation during shopping
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		ics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	1
	PAReq	PAReq value	CAVV	CAVV value
	proofXML	proofXML value	E-commerce indicator	dipb_attempted
	VERes enrolled	Y	ECI	06
	XID	XID value	PARes status	A
			XID	XID value
Action	If you request Validate Authentication and authorization services separately, follow these steps: 1Add the signed PARes to the validation request. 2Ensure that the XID from the enrollment check matches that from the authentication validation. 3Add the CAVV and ECI values to your authorization request. If you request the Validate Authentication and authorization services together, the process described above occurs automatically.

Test Case 71: Discover ProtectBuy Card Enrolled: Incomplete Authentication
Card Number	601100 00 0000 0103
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	SOK
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nIssuer unable to perform authentication. nics_pa_validate service was successful.
Details	ACS URL	URL value	Authentication result	6
	PAReq	PAReq value	E-commerce indicator	internet
	proofXML	proofXML value	ECI	07
	VERes enrolled	Y	PARes status	U
	XID	XID value	XID	XID value
Action	Ask the customer for another form of payment, or submit the transaction. No liability shift.

Test Case 72: Discover ProtectBuy Card Enrolled: Unsuccessful Authentication
Card Number	601100 00 0000 0020
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		nUser failed authentication. nPayer cannot be authenticated.
Details	ACS URL	URL value	Authentication result	9
	PAReq	PAReq value	PARes status	N
	proofXML	proofXML value	XID	XID value
	VERes enrolled	Y
	XID	XID value
Action	You are not permitted to submit this transaction for authorization. Instead ask the customer for another form of payment.

Test Case 73: Discover ProtectBuy Card Enrolled: Unavailable Authentication
Card Number	601100 00 0000 0061
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Submit your authorization request. No liability shift.

Test Case 74: Discover ProtectBuy Card Enrolled: Authentication Error
Card Number	601100 00 0000 0095
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	DAUTHENTICATE	Response flag	DAUTHENTICATION FAILED
Summary	The cardholder is enrolled in payer authentication. Please authenticate before proceeding with authorization.		We encountered a payer authentication problem: Error Processing PARes.
Details	ACS URL	URL value	E-commerce indicator	internet
	PAReq	PAReq value	ECI	07
	proofXML	proofXML value
	VERes enrolled	Y
	XID	XID value
Action	Ask the customer for another form of payment. No liability shift.

Test Case 75: Discover ProtectBuy Card Not Enrolled
Card Number	601100 00 0000 0053
Auth. Type	Non-participating bank
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	ECI	07
	proofXML	proofXML value
	VERes enrolled	N
Action	Submit the transaction.

Test Case 76: Discover ProtectBuy Enrollment Check: Time-Out
Card Number	601100 00 0000 0046
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
Details	proofXML	proofXML value
Action	After 10-12 seconds, proceed with the authorization request. No liability shift.

Test Case 77: Discover ProtectBuy Enrollment Check Error
Card Number	601100 00 0000 0087 601100 00 0000 0079	Error response Incorrect Configuration: Unable to Authenticate
Auth. Type	Active authentication
Results	Check Enrollment		Validate Authentication
Summary	Response flag	SOK
Summary	ics_pa_enroll service was successful.
Details	E-commerce indicator	internet
	proofXML	proofXML value
	VERes enrolled	U
Action	Proceed with the authorization request, and contact your support representative to resolve the issue. No liability shift. If you requested payer authentication and authorization together, the authorization is processed automatically.

Elo Compra Segura

Table 18Possible Values for Elo Compra Segura Response Fields
Result and Interpretation		Validate Authentication Response
		Authentication Result	ECI	Commerce Indicator	Response Flag
Success	Successful authentication.	0	05	cs	SOK
Success	Recorded attempt to authenticate.	1	06	cs_attempted	SOK
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but there is no liability shift.	6	¹	— ²	SOK
	Issuer unable to perform authentication.	6	07	internet	SOK
	Incomplete or unavailable authentication.		07	internet
	Invalid PARes.	-1	—	—	DAUTHENTICATIONFAILED
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	DAUTHENTICATIONFAILED
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.

China UnionPay

Table 19Possible Values for China UnionPay Response Fields
Result and Interpretation		Validate Authentication Response
		Authentication Result	ECI	Commerce Indicator	Response Flag
Success	Successful authentication.	0	05	up3ds	SOK
Success	Recorded attempt to authenticate.	1	06	up3ds_attempted	SOK
Failure (Customer not responsible)	System error that prevents the completion of authentication: you can proceed with authorization, but there is no liability shift.	6	¹	— ²	SOK
	Issuer unable to perform authentication.	6	07	internet	SOK
	Incomplete or unavailable authentication.		07	internet up3ds_failure
	Invalid PARes.	-1	—	—	DAUTHENTICATIONFAILED
Failure (Customer responsible)	Authentication failed or cardholder did not complete authentication. If the authentication fails, Visa requires that you do not accept the card. You must ask the customer to use another payment method.	9	—	—	DAUTHENTICATIONFAILED
1 The ECI value can vary depending on the reason for the failure. 2 A dash (—) indicates that the field is blank or absent.