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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

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

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

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

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

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

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

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

 

 

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

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

 

 

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

 

 

ics_pa_enroll service was successful.

 

Details

E-commerce indicator

internet or vbv_failure

 

 

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

 

 

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

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

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

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

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

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

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

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

 

 

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

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

 

 

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

 

 

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

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

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

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

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

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

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

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

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

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

 

 

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

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

 

 

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

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

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

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

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

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

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

 

 

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

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

 

 

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

 

 

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

 

 

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

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

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

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

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

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

 

 

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

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

 

 

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

 

 

ics_pa_enroll service was successful.

 

Details

E-commerce indicator

internet

 

 

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

 

 

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

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

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

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

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

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

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

 

 

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

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

 

 

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

 

 

ics_pa_enroll service was successful.

 

Details

E-commerce indicator

internet

 

 

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

 

 

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

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

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

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

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

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

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

 

 

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

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

 

 

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

 

 

ics_pa_enroll service was successful.

 

Details

E-commerce indicator

internet

 

 

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

 

 

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

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

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.