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.

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:

2.1.0 : 5200000000003001

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block
<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
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<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

<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>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 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:

2.1.0 : 5200000000003019

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505050000001018

UnionPay PAN:

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 : 5200000000005220

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block
<PAResStatus>N</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)

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<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

<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>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 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:

2.1.0 : 5200000000003027

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>Y</Enrolled>

PAResStatus = A

Code Block
<PAResStatus>A</PAResStatus>

XID = <XID value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block
<EciFlag>06</EciFlag>

Expected ECI Values grouped by Network:

06
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
- Cartes Bancaires (Visa)
- ELO
- UnionPay
01
- Mastercard
- Cartes Bancaires (MC)

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<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

<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>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 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:

2.1.0 : 5200000000003035

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block
<PAResStatus>U</PAResStatus>

XID = <XID value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

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)

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<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

<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>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 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:

2.1.0 : 5200000000003043

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>Y</Enrolled>

PAResStatus = R

Code Block
<PAResStatus>R</PAResStatus>

XID = <XID Value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

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)

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<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

<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>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 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:

2.1.0 : 5200000000003050

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block
<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block
<Xid></Xid>

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)

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

ReasonCode = 101

Code Block
<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

<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>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 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:

2.1.0 : 5200000000003068

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block
<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block
<Xid></Xid>

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)

ErrorNo = 1001

Code Block
<ErrorNo>1001</ErrorNo>

ErrorDesc = Error Processing Message Request

Code Block
<ErrorDesc>Error Processing Message Request</ErrorDesc>

For potential ErrorNo values and their corresponding ErrorDesc values, 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

<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>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>

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 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:

2.1.0 : 5200000000003076

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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 : 5200000000005840

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block
<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block
<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block
<Xid></Xid>

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)

ErrorNo = 2860

Code Block
<ErrorNo>2860</ErrorNo>

ErrorDesc = Error Processing Message Request with Directory Server

Code Block
<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
<ReasonCode>402</ReasonCode>

ReasonDesc = Transaction Timed Out

Code Block
<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

<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>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 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:

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 : 5200000000005311

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block
<PAResStatus>C</PAResStatus>

XID = <XID Value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

CAVV = (value will not be provided)

Code Block
<Cavv></Cavv>

EciFlag = 07

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)

Payload = <Payload Value>

Code Block

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block
<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block
<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
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

<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
<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

<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>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

<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

<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 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:

2.1.0 : 5200000000003100

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block
<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block
<Xid></Xid>

CAVV = (value will not be provided)

Code Block
<Cavv></Cavv>

EciFlag = 07

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)

Payload = <Payload Value>

Code Block

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = N

Code Block
<PAResStatus>N</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)

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<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 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

<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
<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

<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>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

<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

<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 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:

2.1.0 : 5200000000003118

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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 : 5200000000005337

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block
<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block
<Xid></Xid>

CAVV = (value will not be provided)

Code Block
<Cavv></Cavv>

EciFlag = 07

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)

Payload = <Payload Value>

Code Block

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block
<PAResStatus>U</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)

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

<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
<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

<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>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

<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

<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:

2.1.0 : 6011000000001127

JCB 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:

2.1.0 : 5200000000003126

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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
<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block
<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block
<Xid></Xid>

CAVV = (value will not be provided)

Code Block
<Cavv></Cavv>

EciFlag = 07

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)

Payload = <Payload Value>

Code Block

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block
<PAResStatus>U</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)

ErrorNo = 1050

Code Block
<ErrorNo>1050</ErrorNo>

ErrorDesc = Error Processing PARes

Code Block
<ErrorDesc>Error Processing PARes</ErrorDesc>

For potential ErrorNo values and their corresponding ErrorDesc values, please refer to: Centinel Core Error Codes

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

<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
<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

<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>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

<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

<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:

2.1.0 : 5200000000003084

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

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=B.

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: MethodURL Implementation Check

Scenario

Note
This test case checks for certain conditions in your configuration, and may fail if those conditions are not met. For full information on this test case, see: Method URL Test Case

This test case allows you to test your implementation of Device Data Collection (DDC) against simulated real-world conditions where a card issuer has a Method URL in place. To do so, this test implements two specific checks above and beyond the normal checks for correct formatting and the presence or absence of required fields. These two tests are:

9 Digit BIN
The BIN provided must be at least 9 digits long.
7 second wait
There will be a seven second delay between the DDC request and response. The cmpi_lookup should only be invoked after the DDC response.

These checks sit on top of the standard testing requirements, and a test case may still fail due to the absence or a required field, or a malformed or incorrect input.

Failure of either of these two will result in PAResStatus C in the cmpi_lookup response and a Warning field to provide additional insight.

Authentication Experience

N/A

Test Values

Visa PAN: 4000100000000000

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

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

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>

Warning = ErrorMessage1; ErrorMessage2; ...

If this test case fails, a warning error message will be returned outlining the reason(s) for failure. See the Method URL Test Case Warnings documentation for more information

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<Amount>690</Amount>
	<BillingAddress1>1600 Pennsylvania Blvd.</BillingAddress1>
	<BillingAddress2/>
	<BillingCity>Washington</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>MÓNICA</BillingFirstName>
	<BillingLastName>FRANÇOIS</BillingLastName>
	<BillingMiddleName>S</BillingMiddleName>
	<BillingPhone>555-8675-309</BillingPhone>
	<BillingPostalCode>10123</BillingPostalCode>
	<BillingState>DC</BillingState>
	<BrowserColorDepth>32</BrowserColorDepth>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,</BrowserHeader>
	<BrowserJavaEnabled>true</BrowserJavaEnabled>
	<BrowserLanguage>English</BrowserLanguage>
	<BrowserScreenHeight>980</BrowserScreenHeight>
	<BrowserScreenWidth>1080</BrowserScreenWidth>
	<BrowserTimeZone>-100</BrowserTimeZone>
	<CardExpMonth>01</CardExpMonth>
	<CardExpYear>2023</CardExpYear>
	<PAN>4000100000000000</PAN>
	<CategoryCode>0123</CategoryCode>
	<CurrencyCode>840</CurrencyCode>
	<DeviceChannel>browser</DeviceChannel>
	<IPAddress>127.0.0.1</IPAddress>
	<Item_Desc_1>Apple iPod</Item_Desc_1>
	<Item_Name_1>1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30</Item_Name_1>
	<Item_Price_1>10000</Item_Price_1>
	<Item_Quantity_1>1</Item_Quantity_1>
	<Item_SKU_1>8675309</Item_SKU_1>
	<MerchantId>{{Your Merchant ID}}</MerchantId>
	<MessageCategory>01</MessageCategory>
	<MsgType>cmpi_lookup</MsgType>
	<OrderNumber>Visa Frictionless Y - CMPI_Lookup-82</OrderNumber>
	<ProcessorId>100</ProcessorId>
	<ShippingAddress1>1600 Pennsylvania Blvd.</ShippingAddress1>
	<ShippingAddress2/>
	<ShippingCity>Washington</ShippingCity>
	<ShippingCountryCode>US</ShippingCountryCode>
	<ShippingFirstName>William</ShippingFirstName>
	<ShippingLastName/>
	<ShippingPhone>555-123-4568</ShippingPhone>
	<ShippingPostalCode>10123</ShippingPostalCode>
	<ShippingState>DC</ShippingState>
	<TransactionPwd>{{YourPassword}}</TransactionPwd>
	<TransactionType>C</TransactionType>
	<UserAgent>Jakarta Commons-HttpClient/3.1</UserAgent>
	<Version>1.7</Version>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<DFReferenceId>{{Reference ID from DF process}}</DFReferenceId>
</CardinalMPI>

Sample Failure Response

Code Block

language	xml

<CardinalMPI>
    <ACSOperatorID>MerchantACS</ACSOperatorID>
    <ErrorNo>0</ErrorNo>
    <TransactionId>0QqC8ysPIEoMQEmuR6x0</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiIzYmZjMjAwMS1jM2FlLTRlYzktOWQwMS0zYTlmMzA4ZDU3YzIiLCJhY3NUcmFuc0lEIjoiNjI5MjYwMmItNmE5ZC00M2Y4LWFmYWItOWY0NDliMDM0NDExIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
    <ErrorDesc></ErrorDesc>
    <Warning>3DS Method was incomplete.; Merchant passed less than 9 digits on the BIN during device data collection.</Warning>
    <Cavv></Cavv>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>6292602b-6a9d-43f8-afab-9f449b034411</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl>https://merchantacsdev.cardinalabs.com/MerchantACSWeb/creq.jsp</ACSUrl>
    <ThreeDSServerTransactionId>3bfc2001-c3ae-4ec9-9d01-3a9f308d57c2</ThreeDSServerTransactionId>
    <CardBin>400010</CardBin>
    <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
    <CardBrand>VISA</CardBrand>
    <DSTransactionId>{{Rerence ID from DF process}}</DSTransactionId>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <OrderId>8000519478217377</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Successful Response

Code Block

<CardinalMPI>
    <ACSOperatorID>MerchantACS</ACSOperatorID>
    <ErrorNo>0</ErrorNo>
    <TransactionId>uhBIWcLQ79MDz286rAI0</TransactionId>
    <Payload></Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
    <PAResStatus>Y</PAResStatus>
    <AuthorizationPayload>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</AuthorizationPayload>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>eb9cdc53-a19c-4677-839f-ea29ed7016ec</ACSTransactionId>
    <EciFlag>05</EciFlag>
    <ACSUrl></ACSUrl>
    <ThreeDSServerTransactionId>051f5d74-a74f-4dbf-a402-c4ac6efe70e8</ThreeDSServerTransactionId>
    <CardBin>400010</CardBin>
    <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
    <CardBrand>VISA</CardBrand>
    <Amount>690</Amount>
    <DSTransactionId>35c7d366-660c-499d-adcc-fdff2052cc51</DSTransactionId>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <CurrencyCode>840</CurrencyCode>
    <OrderId>8000926522314979</OrderId>
    <ChallengeRequired></ChallengeRequired>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case Matrix

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 or C		Y	0	SUCCESS
	American Express	N/A
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	ITMX
	eftpos (Visa)
	Mastercard
	Cartes Bancaires (MC)
	eftpos (MC)

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 105

New Version 106

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: MethodURL Implementation Check

Sample Messages

Sample Lookup Request Message

Test Case Matrix