The EMV® 3DS Test Case guide explores authentication scenarios that are recommended for our clients to help ensure testing is successful and accurate. These test cases can vary by card brand/scheme and it is important to note that you should work with your account representative at CardinalCommerce prior to proceeding.

Info

Important test notes:

For the expiration year field CardExpYear, use the current year +3 (for example, when testing in 2023, you’d use 2026).
SignatureVerification should always return as Y on when the field is present in the lookup response (it will not be returned in Enrolled = U test cases). If you receive a different value, reach out to your account representative or Cardinal Support for assistance.
Test PANs will not necessarily match the production card range for their respective card networks. As such, test PANs should not be used to determine the range of (or to create validation rules for) production cards. If you do have validation rules in place, trustlists can be used to allow or identify test PANs on an individual basis.

Test cases provided below span Cardinal's coverage of ready/available networks that support 3DS protocol versions.

Table of Contents

maxLevel	2

Table of Contents

Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication
Scenario	Successful frictionless authentication representing the cardholder being authenticated by their Card Issuer
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001000 2.2.0 : 4000000000002701
	Mastercard PAN: 2.1.0 : 5200000000001005 2.2.0 : 5200000000002235
	American Express PAN: 2.1.0 : 340000000001007 2.2.0 : 340000000002708
	Discover (Diners Club) PAN: 6011000000001002
	JCB J/Secure PAN: 2.1.0 : 3337000000000008 2.2.0 : 3338000000000296
	Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003006 Lookup Request (cmpi_lookup) → CardType = CB
	Cartes Bancaires (MC) PAN

: 5200000000003001

:

2.1.0 : 5200000000003001

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6277800000002390

:

2.1.0 : 6505050000001000

UnionPay PAN:

2.1.0 : 6200010000200000

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000003315

eftpos (Visa) PAN:

2.1.0 : 4000000000005126

eftpos (MC) PAN:

2.1.0 : 5200000000005170

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml


<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml


<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>05</EciFlag>

Expected ECI Values grouped by Network:

05
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
02
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should append the Cavv and EciFlag values to the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
    <MerchantId>{{MERCHANT_ID}}</MerchantId>
    <TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
    <BillingAddress2 />
    <BillingCity>Mentor</BillingCity>
    <BillingCountryCode>US</BillingCountryCode>
    <BillingFirstName>Chris</BillingFirstName>
    <BillingLastName>Brown</BillingLastName>
    <BillingPostalCode>K44060</BillingPostalCode>
    <BillingState>OH</BillingState>
    <UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
    <DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
    <BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
    <BrowserJavaEnabled>True</BrowserJavaEnabled>
    <BrowserLanguage>en-US</BrowserLanguage>
    <BrowserColorDepth>24</BrowserColorDepth>
    <BrowserScreenHeight>864</BrowserScreenHeight>
    <BrowserScreenWidth>1536</BrowserScreenWidth>
    <BrowserTimeZone>300</BrowserTimeZone>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>AwrMuZHT2pBsSzAD3xO0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>Y</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>60284c5c-a785-4e0b-98cf-6732f4eff286</ACSTransactionId>
	<EciFlag>05</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>70244e0f-c218-43f1-b34c-6faa35303be9</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>07e54000-2721-4df9-aa51-04fa0e079aa8</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8000081912452938</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 2: Failed Frictionless Authentication
Scenario	Authentication Failed by Card Issuer without Challenge
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001018 2.2.0 : 4000000000002925
	Mastercard PAN: 2.1.0 : 5200000000001013 2.2.0 : 5200000000002276
	American Express PAN: 2.1.0 : 340000000001015 2.2.0 : 340000000002096
	Discover (Diners Club) PAN: 6011000000001010
	JCB

J/Secure

PAN:

2.1.0 : 3337000000000990

2.2.0 : 3338000000000361

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003014

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN

: 5200000000003019

:

2.1.0 : 5200000000003019

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6277800000002457

2.1.0 : 6505050000001018

UnionPay PAN

: 6200010000100010

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX

:

2.1.0 : 6200010000100010

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000003117

eftpos (Visa) PAN:

2.1.0 : 4000000000005019

eftpos (MC) PAN:

2.1.0 :

4500010000003117

5200000000005220

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block

language	xml


<PAResStatus>N</PAResStatus>

XID = <XID Value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant can still authorize a failed 3DS as a non-authenticated transaction.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>MKj9MEz6vuRXcCbeq4j0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<CardHolderInfo>Note: Additional authentication is required by the issuing bank for this transaction, please contact
	Anybank at 123-456-7890.</CardHolderInfo>
	<Cavv></Cavv>
	<PAResStatus>N</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>7c7ee103-5ce2-4328-b515-8ef356312acd</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>b993205f-c095-4bee-bb41-70bf876c0cbd</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<StatusReason>01</StatusReason>
	<DSTransactionId>24f24680-1846-4b1f-8f70-38dd09381404</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8000217687527054</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 3: Attempts Stand-In Frictionless Authentication
Scenario	Cardholder is enrolled in 3DS however the Issuer is not supporting the program, resulting in a stand-in authentication experience
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001026 2.2.0 : 4000000000002719
	Mastercard PAN: 2.1.0 : 5200000000001021 2.2.0 : 5200000000002482
	American Express PAN: 2.1.0 : 340000000001023 2.2.0 : 340000000002872
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001028
	JCB

J/Secure

PAN:

2.1.0 : 3337000000007045

2.2.0 : 3338000000000585

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003022

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

5200000000003027

2.1.0 : 5200000000003027

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6277800000002531

:

2.1.0 : 6505050000001026

UnionPay PAN: 6200010000000020

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000001442

eftpos (Visa) PAN:

2.1.0 : 4000000000005027

eftpos (MC) PAN:

2.1.0 : 5200000000005360

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

languagexml


<Enrolled>Y</Enrolled>

PAResStatus = A

Code Block

language	xml


<PAResStatus>A</PAResStatus>

XID = <XID value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml


<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>06</EciFlag>

Expected ECI Values grouped by Network:

06
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay

ITMX

01
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should append the Cavv and EciFlag values to the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>NOlVleqZubTNJHnQ6lg0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>A</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>f95b38c2-4c5f-4a4c-a6af-8a97e41bb360</ACSTransactionId>
	<EciFlag>06</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>3a48e4a6-61be-4761-b5d2-1a76d16b19c9</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>99198f55-7d27-4717-b23e-2629bf20961b</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8010084896888224</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 4: Unavailable Frictionless Authentication from the Issuer
Scenario	Authentication is Unavailable at the current time
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001034 2.2.0 : 4000000000002313
	Mastercard PAN: 2.1.0 : 5200000000001039 2.2.0 : 5200000000002268
	American Express PAN: 2.1.0 : 340000000001031 2.2.0 : 340000000002922
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001036
	JCB

J/Secure

PAN:

2.1.0 : 3337000000000735

2.2.0 : 3338000000000221

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003030

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

5200000000003035

2.1.0 : 5200000000003035

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6277800000002309

2.1.0 : 6505050000001034

UnionPay PAN:

2.1.0 : 6200010000400030

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000008108

eftpos (Visa) PAN:

2.1.0 : 4000000000005035

eftpos (MC) PAN:

2.1.0 : 5200000000005410

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block

language	xml


<PAResStatus>U</PAResStatus>

XID = <XID value>

Code Blocklanguage

xml

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchants can attempt to retry authentication or proceed with authorization

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
    <MerchantId>{{MERCHANT_ID}}</MerchantId>
    <TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
    <BillingAddress2 />
    <BillingCity>Mentor</BillingCity>
    <BillingCountryCode>US</BillingCountryCode>
    <BillingFirstName>Chris</BillingFirstName>
    <BillingLastName>Brown</BillingLastName>
    <BillingPostalCode>K44060</BillingPostalCode>
    <BillingState>OH</BillingState>
    <UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
    <DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
    <BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
    <BrowserJavaEnabled>True</BrowserJavaEnabled>
    <BrowserLanguage>en-US</BrowserLanguage>
    <BrowserColorDepth>24</BrowserColorDepth>
    <BrowserScreenHeight>864</BrowserScreenHeight>
    <BrowserScreenWidth>1536</BrowserScreenWidth>
    <BrowserTimeZone>300</BrowserTimeZone>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>rXeRbbjvE3v1Cy4bV3q0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus>U</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>0fe89d40-5897-4efe-a912-26c15da77f2f</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>77b82cdc-b434-427d-a1b1-d0f4219e269e</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<StatusReason>01</StatusReason>
	<DSTransactionId>f07825a1-38ba-4747-bc41-c558fd5de915</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8000199450458354</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 5: Rejected Frictionless Authentication by the Issuer
Scenario	Rejected authentication by the issuer not requiring a challenge
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001042 2.2.0 : 4000000000002537
	Mastercard PAN: 2.1.0 : 5200000000001047 2.2.0 : 5200000000002185
	American Express PAN: 2.1.0 : 340000000001049 2.2.0 : 340000000002062
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001044
	JCB

J/Secure

PAN:

2.1.0 : 3337000000000321

2.2.0 : 3338000000000734

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003048

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

5200000000003043

2.1.0 : 5200000000003043

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6277800000002044

:

2.1.0 : 6505050000001042

UnionPay PAN:

2.1.0 : 6200010000300040

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000002507

eftpos (Visa) PAN:

2.1.0 : 4000000000005043

eftpos (MC) PAN:

2.1.0 : 5200000000005550

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = R

Code Block

language	xml


<PAResStatus>R</PAResStatus>

XID = <XID Value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

languagexml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should not continue with authorization. Merchant should prompt for another form of payment and is not permitted to submit this transaction for authorization.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>9yWRTx56hAsczLDR1Yj0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus>R</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>2b5ea45b-8e4b-424f-92f4-0afaad03f1a3</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>8c1d8a21-e8e4-484d-b1e0-56ffd7fd994a</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<StatusReason>01</StatusReason>
	<DSTransactionId>fed2ce59-bbec-48fa-a2c4-ea5a2a4390dc</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8000985332776595</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 6: Authentication Not Available on Lookup
Scenario	Authentication not available on Lookup due to system error
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001059 2.2.0 : 4000000000002990
	Mastercard PAN: 2.1.0 : 5200000000001054 2.2.0 : 5200000000002409
	American Express PAN: 2.1.0 : 340000000001056 2.2.0 : 340000000002468
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001051
	JCB

J/Secure

PAN:

2.1.0 : 3337000000006765

2.2.0 : 3338000000000940

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003055

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN

: 5200000000003050

:

2.1.0 : 5200000000003050

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6277800000002135

2.1.0 : 6505050000001059

UnionPay PAN:

2.1.0 : 6200010000600050

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000002945

eftpos (Visa) PAN:

2.1.0 : 4000000000005050

eftpos (MC) PAN:

2.1.0 : 5200000000005600

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml


<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml


<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml


<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

ReasonCode = 101

Code Block

language	xml


<ReasonCode>101</ReasonCode>

ReasonDesc = Invalid Formatted Message Invalid Formatted Message

Code Block
<ReasonDesc>Invalid Formatted Message Invalid Formatted Message</ReasonDesc>

Info
SignatureVerification will not be returned due to Enrolled=U.

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>Z3RjdNid3DFPYHrbMPD0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>U</Enrolled>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>23d58d8b-acd7-498b-aafd-a1ff4d64052e</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<ReasonDesc>Invalid Formatted Message Invalid Formatted Message</ReasonDesc>
	<CardBrand>VISA</CardBrand>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<ReasonCode>101</ReasonCode>
	<OrderId>8010924949967287</OrderId>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>

Test Case 7: Error on Lookup
Scenario	An Error occurred downstream while attempting Authentication processing
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001067 2.2.0 : 4000000000002446
	Mastercard PAN: 2.1.0 : 5200000000001062 2.2.0 : 5200000000002037
	American Express PAN: 2.1.0 : 340000000001064 2.2.0 : 340000000002732
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001069
	JCB

J/Secure

PAN:

2.1.0 : 3337000000000016

2.2.0 : 3338000000000650

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003063

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN

: 5200000000003068

:

2.1.0 : 5200000000003068

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6277800000002655

:

2.1.0 : 6505050000001067

UnionPay PAN:

2.1.0 : 6200010000500060

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000009247

eftpos (Visa) PAN:

2.1.0 : 4000000000005068

eftpos (MC) PAN:

2.1.0 : 5200000000005790

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml


<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml


<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml


<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 1001

Code Block

language	xml


<ErrorNo>1001</ErrorNo>

ErrorDesc = Error Processing Message Request

Code Block

language	xml


<ErrorDesc>Error Processing Message Request</ErrorDesc>

For potential ErrorNo values and their corresponding ErrorDesc values

, please refer to: Centinel Core Error Codes

, please refer to: https://cardinaldocs.atlassian.net/wiki/spaces/STAG/pages/856162638

Info
SignatureVerification will not be returned due to Enrolled=U.

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>1001</ErrorNo>
	<TransactionId>hQyxAhnBeJnJDD8GPky0</TransactionId>
	<Payload></Payload>
	<ErrorDesc>Error Processing Message Request</ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>U</Enrolled>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>45bb8c0e-f5d8-4b88-b8ad-7fb08f2e3bd1</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<ReasonDesc>Error Processing Message Request</ReasonDesc>
	<CardBrand>VISA</CardBrand>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<ReasonCode>1001</ReasonCode>
	<OrderId>8010548513413061</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>

NoteThreeDSVersion may not be returned depending on where the error occurs in the transaction flow.

Test Case 8: Timeout on cmpi_lookup Transaction
Scenario	Timeout encountered while processing the cmpi_lookup message, resulting in an Error on the transaction
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001075 2.2.0 : 4000000000002354
	Mastercard PAN: 2.1.0 : 5200000000001070 2.2.0 : 5200000000002326
	American Express PAN: 2.1.0 : 340000000001072 2.2.0 : 340000000002047
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001077
	JCB

J/Secure

PAN:

2.1.0 : 3337000000000081

2.2.0 : 3338000000000577

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003071

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

5200000000003076

2.1.0 : 5200000000003076

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6277800000002820

UnionPay PAN: 6200010000900070

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX

2.1.0 : 6505050000001075

UnionPay PAN:

2.1.0 : 6200010000900070

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000006425

eftpos (Visa) PAN:

2.1.0 : 4000000000005076

eftpos (MC) PAN:

2.1.0 :

4500010000006425

5200000000005840

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml


<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml


<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml


<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 2860

Code Block

language	xml


<ErrorNo>2860</ErrorNo>

ErrorDesc = Error Processing Message Request with Directory Server

Code Block

language	xml


<ErrorDesc>Error Processing Message Request with Directory Server</ErrorDesc>

Two additional fields will be returned on the Lookup Response identifying this scenario.

ReasonCode = 402

Code Block

language	xml


<ReasonCode>402</ReasonCode>

ReasonDesc = Transaction Timed Out

Code Block

language	xml


<ReasonDesc>Transaction Timed Out</ReasonDesc>

Info
SignatureVerification will not be returned due to Enrolled=U.

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = ERROR

ErrorNumber = 10002

ErrorDescription = Centinel API connection error on Start.

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>2860</ErrorNo>
	<TransactionId>QQHVkDZa4GPYRNL3rji0</TransactionId>
	<Payload></Payload>
	<ErrorDesc>Error Processing Message Request with Directory Server</ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>U</Enrolled>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>3d37b277-30df-4e34-af20-219930c9648b</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<ReasonDesc>Transaction Timed Out</ReasonDesc>
	<CardBrand>VISA</CardBrand>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<ReasonCode>402</ReasonCode>
	<OrderId>8000008528440064</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>

Challenge Test Cases

Test Case 9: Successful Step Up Authentication
Scenario	Successful traditional Step Up (Challenge) authentication transaction
Authentication Experience	Challenge
Test Values	Visa PAN: 2.1.0 : 4000000000001091 2.2.0 : 4000000000002503
	Mastercard PAN: 2.1.0 : 5200000000001096 2.2.0 : 5200000000002151
	American Express PAN: 2.1.0 : 340000000001098 2.2.0 : 340000000002534
	Discover (Diners Club) PAN: 6011000000001093
	JCB

J/Secure

PAN:

2.1.0 : 3337000000200004

2.2.0 : 3338000000000569

Cartes Bancaires (Visa) PAN: 4000000000003139

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003092

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6277800000002325

UnionPay PAN: 6200019999800019

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX

ELO PAN:

2.1.0 : 6505050000001091

UnionPay PAN:

2.1.0 : 6200019999800019

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500019999000133

eftpos (Visa) PAN:

2.1.0 : 4000000000005290

eftpos (MC) PAN:

2.1.0 :

4500019999000133

5200000000005311

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml


<PAResStatus>C</PAResStatus>

XID = <XID Value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

Payload = <Payload Value>

Code Block

language	xml


<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block

language	xml


<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml


<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>05</EciFlag>

Expected ECI Values grouped by Network:

05
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
02
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

language	xml


<ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl>

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml


<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>

Additional Information

Merchant Action

Merchant should append the Cavv and EciFlag values to the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>4fca7649-5bdf-4c54-811e-5f07a7b76d30</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>01</AuthenticationType>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml


<CardinalMPI>
    <CardBin>400000</CardBin>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>05</EciFlag>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

Test Case 10: Failed Step Up Authentication
Scenario	Traditional Step Up (Challenge) authentication transaction with failed cardholder challenge
Authentication Experience	Challenge
Test Values	Visa PAN: 2.1.0 : 4000000000001109 2.2.0 : 4000000000002370
	Mastercard PAN: 2.1.0 : 5200000000001104 2.2.0 : 5200000000002490
	American Express PAN: 2.1.0 : 340000000001106 2.2.0 : 340000000002237
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001101
	JCB

J/Secure

PAN:

2.1.0 : 3337000000200087

2.2.0 : 3338000000000874

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003097

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN

: 5200000000003100

:

2.1.0 : 5200000000003100

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6277800000002127

:

2.1.0 : 6505050000001109

UnionPay PAN:

2.1.0 : 6200019999700029

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500019999008763

eftpos (Visa) PAN:

2.1.0 : 4000000000005217

eftpos (MC) PAN:

2.1.0 : 5200000000005329

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml


<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml


<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

Payload = <Payload Value>

Code Block

language	xml


<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = N

Code Block

language	xml


<PAResStatus>N</PAResStatus>

XID = <XID Value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

languagexml


<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

In the case where the customer clicks 'Cancel' (instead of 'Submit') during the challenge flow, the transaction will be abandoned and merchant will receive the following response

fields

field -

ChallengeCancel = 01

Code Block
<ChallengeCancel>01</ChallengeCancel>

PAResStatus = N

Code Block
<PAResStatus>N</PAResStatus>

EciFlag = <ECI Value>

Code Block
<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

language	xml


<ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl>

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml


<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>

Additional Information

Merchant Action

Merchant should not continue with authorization. Merchant should prompt for another form of payment and is not permitted to submit this transaction for authorization.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>4fca7649-5bdf-4c54-811e-5f07a7b76d30</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>01</AuthenticationType>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml


<CardinalMPI>
    <CardBin>400001</CardBin>
    <StatusReason>01</StatusReason>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>a8688a40-b7f2-41e3-b760-42d4221f76f5</ThreeDSServerTransactionId>
    <Cavv />
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>07</EciFlag>
    <TransactionId>rQn5nFa2z347PcJURQk0</TransactionId>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>N</PAResStatus>
</CardinalMPI>

Test Case 11: Step Up Authentication is Unavailable
Scenario	Step Up authentication is unavailable
Authentication Experience	Challenge
Test Values	Visa PAN: 2.1.0 : 4000000000001117 2.2.0 : 4000000000002420
	Mastercard PAN: 2.1.0 : 5200000000001112 2.2.0 : 5200000000002664
	American Express PAN: 2.1.0 : 340000000001114 2.2.0 : 340000000002484
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001119
	JCB

J/Secure

PAN:

2.1.0 : 3337000000200079

2.2.0 : 3338000000000981

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003105

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

5200000000003118

2.1.0 : 5200000000003118

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6277800000002887

UnionPay PAN: 6200019999600039

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX

2.1.0 : 6505050000001117

UnionPay PAN:

2.1.0 : 6200019999600039

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500019999008789

eftpos (Visa) PAN:

2.1.0 : 4000000000005225

eftpos (MC) PAN:

2.1.0 :

4500019999008789

5200000000005337

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml


<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml


<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

Payload = <Payload Value>

Code Block

language	xml


<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block

language	xml


<PAResStatus>U</PAResStatus>

XID = <XID Value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

language	xml


<ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl>

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml


<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>

Additional Information

Merchant Action

Merchant can retry authentication or process authorization as merchant liability.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>4fca7649-5bdf-4c54-811e-5f07a7b76d30</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>01</AuthenticationType>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml


<CardinalMPI>
    <CardBin>400000</CardBin>
    <StatusReason>01</StatusReason>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>339dcc95-5749-4c65-96f7-1ee5d5d87bf3</ThreeDSServerTransactionId>
    <Cavv />
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>07</EciFlag>
    <TransactionId>xnzzW45YfQ6X0vulLf50</TransactionId>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>U</PAResStatus>
</CardinalMPI>

Test Case 12: Error on Authentication
Scenario	A system Error occurred on while attempting to process the authentication request
Authentication Experience	Challenge
Test Values	Visa PAN: 2.1.0 : 4000000000001125 2.2.0 : 4000000000002644
	Mastercard PAN: 2.1.0 : 5200000000001120 2.2.0 : 5200000000002656
	American Express PAN: 2.1.0 : 340000000001122 2.2.0 : 340000000002351
	Discover (Diners

Club) PAN

Club) PAN:

2.1.0 : 6011000000001127

JCB

J/Secure

PAN:

2.1.0 : 3337000000200046

2.2.0 : 3338000000000676

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003113

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

5200000000003126

2.1.0 : 5200000000003126

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6277800000002507

:

2.1.0 : 6505050000001125

UnionPay PAN:

2.1.0 : 6200019999400059

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500019999001073

eftpos (Visa) PAN:

2.1.0 : 4000000000005241

eftpos (MC) PAN:

2.1.0 : 5200000000005352

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml


<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml


<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

Payload = <Payload Value>

Code Block

language	xml


<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block

language	xml


<PAResStatus>U</PAResStatus>

XID = <XID Value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml


<Cavv></Cavv>

EciFlag = <ECI Value>

Code Blocklanguage

xml

Code Block
<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 1050

Code Block

language	xml


<ErrorNo>1050</ErrorNo>

ErrorDesc = Error Processing PARes

Code Block

language	xml


<ErrorDesc>Error Processing PARes</ErrorDesc>

Image Added
For potential ErrorNo values and their corresponding ErrorDesc values, please refer to:

Centinel

Centinel Core Error

Codes

Codes

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

language	xml


<ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl>

ActionCode = ERROR

ErrorNumber = 1050

ErrorDesc = Error Processing PARes

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml


<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>

Additional Information

Merchant Action

Merchants have the option of retaining the liability and submitting the transaction as non-authenticated. An alternative action would be to prompt for another form of payment.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>4fca7649-5bdf-4c54-811e-5f07a7b76d30</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>01</AuthenticationType>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml


<CardinalMPI>
    <CardBin>400000</CardBin>
    <StatusReason>01</StatusReason>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc>Error Processing PARes</ErrorDesc>
    <ThreeDSServerTransactionId>56fceb66-1864-4a8d-8ac0-c1487b5ef959</ThreeDSServerTransactionId>
    <Cavv />
    <ErrorNo>1050</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>07</EciFlag>
    <TransactionId>ZRT63hQHdfmPo1EGUXF0</TransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>U</PAResStatus>
</CardinalMPI>

Supplemental Test Cases

Test Case 13: Bypassed Authentication
Scenario	A decision has been made to bypass the issuer requested challenge for this transaction
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.1.0 : 4000000000001083 2.2.0 : 4000000000002560
	Mastercard PAN: 2.1.0 : 5200000000001088 2.2.0 : 5200000000002508
	American Express PAN: 2.1.0 : 340000000001080 2.2.0 : 340000000002948
	Discover (Diners Club) PAN: 2.1.0 : 6011000000001085
	JCB PAN: 2.1.0 : 3337000000000537 2.2.0 : 3338000000000122
	Cartes Bancaires (Visa) PAN: 2.1.0 : 4000000000003089 Lookup Request (cmpi_lookup) → CardType = CB
	Cartes Bancaires (MC) PAN:

5200000000003084

2.1.0 : 5200000000003084

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6277800000002945

2.1.0 : 6505050000001083

UnionPay PAN:

2.1.0 : 6200010000800080

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000002580

eftpos (Visa) PAN:

2.1.0 : 4000000000005084

eftpos (MC) PAN:

2.1.0 : 5200000000005980

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = B

Code Block
<Enrolled>B</Enrolled>

PAResStatus = (value will not be provided)

Code Block
<PAResStatus></PAResStatus>

XID = <XID Value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block
<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block
<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
- ITMX
00
- Mastercard
- Cartes Bancaires (MC)

ACSUrl = (value will not be provided)

Code Block
<ACSUrl></ACSUrl>

Payload = (value will not be provided)

Code Block
<Payload></Payload>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Info
SignatureVerification will not be returned due to Enrolled=U.

Expected Results - Authentication (cmpi_authenticate response)

cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>mCJ2L6ivtEmAqiF3iRR0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>B</Enrolled>
	<ACSTransactionId>8b001ae9-c066-4ff5-90c2-4003cdf76d37</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>8ded676a-8202-468b-b6a5-066a6de0c0b1</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<StatusReason>01</StatusReason>
	<DSTransactionId>af8182f3-5e3b-4988-b4c5-c2689fbd4c02</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8000889905508577</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>

Test Case 14: Require MethodURL

Scenario

Warning
This test case is in the process of being replaced by the Method URL Test Case. We recommend setting up the new Method URL Test Case, as it will supercede and replace Test Case 14 in the near future. See: Method URL Test Case

The 3DS Method URL is used in EMV 3DS to provide the issuer with relevant information to conduct a risk assessment for the transaction.

For more information on 3DS Method, please refer to:

3DS Method FAQ

TODO

As part of your integration, you should verify the 3DS Method is executing properly based on your integration method and chosen method of Device Data Collection.

If Device Data Collection does not complete successfully, your authentication requests will be subject to higher risk assessments and downgrades to legacy versions of the 3-D Secure protocol.

In the event Device Data Collection and 3DS Method does not complete (and you are not providing the necessary Browser fields for an EMV 3DS transaction on the Lookup Request) you will likely see your transaction downgrade to 3DS 1.0.2 with an Enrolled value of U.

If you have coded to the Browser fields on the Lookup Request and still fail to run the 3DS Method, you would expect to see the following:

ReasonCode = 101
ReasonDesc = “Method URL was incomplete. 403”

Ultimately resulting in Enrolled=U.

The intent of this test case is to

verify

very you have successfully implement your device data collection method and are allowing for EMV 3DS Method processing. If you have done this correctly, this transaction will result in a Frictionless Success outcomes (similar to Test Case #1).
Authentication Experience	N/A
Test Values	Visa PAN: 4000010000000001
	Mastercard PAN: 5200010000000006
	American Express PAN: 340001000000007
	Discover (Diners Club) PAN: 6011010000000003
	JCB

J/Secure

PAN:

3337000000000388

Currently unavailable. Please use the supported Visa PAN above.

Cartes Bancaires (Visa) PAN:

4000000000003212

Currently unavailable. Please use the supported Visa PAN above.

Cartes Bancaires (MC) PAN:

5200000000003217

Currently unavailable. Please use the supported Mastercard PAN above.

ELO PAN: Currently unavailable.

UnionPay PAN:

6200010000800205

Currently unavailable.
	ITMX PAN:

N/A

Currently unavailable.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml


<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml


<PAResStatus>Y</PAResStatus>

XID = <XID value>

Code Block

language	xml


<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV value>

Code Block

language	xml


<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI value>

Code Block

language	xml


<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

05
- Visa
- AMEX
- Discover (Diners Cub)

JCB

02
- Mastercard

ACSUrl = (value will not be provided)

Code Block

language	xml


<ACSUrl></ACSUrl>

Payload = (value will not be provided)

Code Block

language	xml


<Payload></Payload>

ErrorNo = 0

Code Block

language	xml


<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml


<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

N/A

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

N/A

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

Code Block

language	xml


<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>ixRrGmotK4gyHi39NUa0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>U</Enrolled>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>d608ccc0-45e5-4d42-836e-ae4e0ab55f08</ThreeDSServerTransactionId>
	<CardBin>400001</CardBin>
	<ReasonDesc>Method URL was incomplete. 403</ReasonDesc>
	<CardBrand>VISA</CardBrand>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<ReasonCode>101</ReasonCode>
	<OrderId>8000649826312016</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>

Test Case Matrix

Bancaires

Test Case	Network	ECI	Enrolled	PAResStatus Lookup / Authenticate		CAVV?	ErrorNo	ActionCode
1	Visa	05	Y	Y		Y	0	SUCCESS
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	02
	Cartes								Bancaires (MC)
	eftpos (MC)
2	Visa	07	Y	N		N	0	FAILURE
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
3	Visa	06	Y	A		Y	0	SUCCESS
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	01
	Cartes Bancaires (MC)
	eftpos (MC)
4	Visa	07	Y	U		N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
5	Visa	07	Y	R		N	0	FAILURE
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
6	Visa	07	U			N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
7	Visa	07	U			N	1001	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
8	Visa	07	U			N	2860	ERROR
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
9	Visa	05	Y	C	Y	Y	0	SUCCESS
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	02
	Cartes Bancaires (MC)
	eftpos (MC)
10	Visa	07	Y	C	N	N	0	FAILURE
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
11	Visa	07	Y	C	U	N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
12	Visa	07	Y	C	U	N	1050	ERROR
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
13	Visa	07	B			N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	00
	Cartes Bancaires (MC)
	eftpos (MC)
14	Visa	05	Y	Y		Y	0	SUCCESS
	American Express
	Discover (Diners Club)
	JCB	N/A
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard	02
	Cartes Bancaires (MC)	N/A
	eftpos (MC)	N/A

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

Page Comparison

Versions Compared

Old Version 102

New Version 103

Key

Important test notes:

Table of Contents

Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 2: Failed Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 3: Attempts Stand-In Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 4: Unavailable Frictionless Authentication from the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 5: Rejected Frictionless Authentication by the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 6: Authentication Not Available on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 7: Error on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 8: Timeout on cmpi_lookup Transaction

Sample Messages

Sample Lookup Request Message

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 10: Failed Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 11: Step Up Authentication is Unavailable

Sample Messages

Sample Lookup Request Message

Test Case 12: Error on Authentication

Sample Messages

Sample Lookup Request Message

Supplemental Test Cases

Test Case 13: Bypassed Authentication

Sample Messages

Sample Lookup Request Message

Test Case 14: Require MethodURL

Sample Messages

Sample Lookup Request Message

Test Case Matrix