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The EMV® 3DS Additional Test Case guide explores alternative authentication options outside the typical testing scenarios which require a more tailored approach. 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).

  • 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
maxLevel2
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excludeImportant test notes:

Test Case 1: Recurring Transaction - Fixed Amount

1a. Initial/First Recurring Transaction

Scenario 

Merchant is initiating a 3RI Recurring transaction that is a fixed amount for a set or of no established expiry (Subscription purchases).

Cardinal Scenario Recommendation

Step 1: Merchant initiates transaction in the amount of $50.00 USD (Currency can be modified to the merchants currency support if it is not in USD)

Step 2: Pass AuthenticationIndicator as 02 for Recurring Transaction

Step 3: Set RecurringEnd to 12 months in the future and RecurringFrequency for 30 (Days)

Authentication Experience

Challenged

Test Values

EXP Date: 01/****

Mastercard PAN: 
2.2.0: 5200000000002805

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block
languagexml
<MessageCategory>01</MessageCategory>

Device Channel = APP (01), BROWSER (02)

Code Block
languagexml
<DeviceChannel>BROWSER</DeviceChannel>

ChallengeIndicator = 03 - Challenge requested (3DS Requestor preference) 

Code Block
languagexml
<ChallengeIndicator>03</ChallengeIndicator>

AuthenticationIndicator = 02 - Recurring transaction

Code Block
languagexml
<AuthenticationIndicator>02</AuthenticationIndicator>

PurchaseDate =

Format: YYYYMMDDHHMMSS

Code Block
languagexml
<PurchaseDate>20200405112438</PurchaseDate>

RecurringFrequency =

Example values accepted (31 days):

  • 31

  • 031

  • 0031

Code Block
languagexml
<RecurringFrequency>31</RecurringFrequency>

RecurringEnd =

Format: YYYYMMDD

Note: It is recommended not to exceed 12 months from PurchaseDate for recurring expiry

Code Block
languagexml
<RecurringEnd>20210121</RecurringEnd>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block
languagexml
<PAResStatus>C</PAResStatus>

Cavv = (value will not be provided)

Code Block
languagexml
<Cavv/>

EciFlag = 00

Code Block
languagexml
<EciFlag>00</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block
languagexml
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
languagexml
<Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Visa Secure 2.1

Not Supported

Visa Secure 2.2

Not Applicable

Mastercard Identity Check 2.1

For Mastercard Identity Check 2.1, 3RI is not supported for Payment Authentication (PA). Due to this, only the initial transaction is supported for Recurring Payments.

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

Mastercard Identity Check 2.2

EMV® 3DS 2.2 supports 3RI payments and this allows the subsequent recurring transactions to be submitted to authentication. ^

^ via Mastercard Identity Check Program Guide. 19 November 2019.

Additional Information

Visa Secure

N/A

Mastercard Identity Check

Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This will be present on a Mastercard response message for this particular 3RI scenario.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Version>1.7</Version>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionType>C</TransactionType>
	<OrderNumber>12345678</OrderNumber>
	<Amount>94160</Amount>
	<CurrencyCode>840</CurrencyCode>
	<CardNumber>520000******2805</CardNumber>
	<CardExpMonth>01</CardExpMonth>
	<CardExpYear>2023</CardExpYear>
	<BillingFirstName>John</BillingFirstName>
	<BillingMiddleName>S</BillingMiddleName>
	<BillingLastName>Smith</BillingLastName>
	<BillingAddress1>1600 Pennsylvania Blvd.</BillingAddress1>
	<BillingAddress2/>
	<BillingPhone>555-555-5555</BillingPhone>
	<BillingCity>Washington</BillingCity>
	<BillingState>DC</BillingState>
	<BillingPostalCode>10123</BillingPostalCode>
	<BillingCountryCode>US</BillingCountryCode>
	<ShippingFirstName>John</ShippingFirstName>
	<ShippingLastName>Smith</ShippingLastName>
	<ShippingAddress1>1600 Pennsylvania Blvd.</ShippingAddress1>
	<ShippingAddress2/>
	<ShippingPhone>555-555-5555</ShippingPhone>
	<ShippingCity>Washington</ShippingCity>
	<ShippingState>DC</ShippingState>
	<ShippingPostalCode>10123</ShippingPostalCode>
	<ShippingCountryCode>US</ShippingCountryCode>
	<Item_Name_1>CC Car A</Item_Name_1>
	<Item_Desc_1>Model Aqua</Item_Desc_1>
	<Item_Price_1>10000</Item_Price_1>
	<Item_Quantity_1>1</Item_Quantity_1>
	<Item_SKU_1>8675309</Item_SKU_1>
	<PurchaseDate>20200405112438</PurchaseDate>
	<CategoryCode>01</CategoryCode>
	<MessageCategory>01</MessageCategory>
	<BrowserLanguage>English</BrowserLanguage>
	<BrowserColorDepth>500</BrowserColorDepth>
	<BrowserScreenHeight>980</BrowserScreenHeight>
	<BrowserScreenWidth>1080</BrowserScreenWidth>
	<BrowserTimeZone>-1:00</BrowserTimeZone>
	<BrowserJavaEnabled>true</BrowserJavaEnabled>
	<IPAddress>127.0.0.1</IPAddress>
	<UserAgent>Jakarta Commons-HttpClient/3.1</UserAgent>
	<DeviceChannel>BROWSER</DeviceChannel>
	<ChallengeIndicator>03</ChallengeIndicator>
	<AuthenticationIndicator>02</AuthenticationIndicator>
	<RecurringEnd>20190121</RecurringEnd>
	<RecurringFrequency>30</RecurringFrequency>
	<CategoryCode>1234</CategoryCode>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8</BrowserHeader>
</CardinalMPI>

Sample Lookup Response Message

Code Block
languagexml
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>IZBMo3zIjEPsnNCcGgN0</TransactionId>
    <Payload></Payload>
    <ErrorDesc></ErrorDesc>
    <Cavv/>
    <PAResStatus>C</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>2cf308bf-86fc-4bee-816a-cd38909d0d92</ACSTransactionId>
    <EciFlag>00</EciFlag>
    <ACSUrl></ACSUrl>
    <ThreeDSServerTransactionId>db6e6faf-f7bb-40a1-8c9c-caaad3782458</ThreeDSServerTransactionId>
    <CardBin>520000</CardBin>
    <CardBrand>MC</CardBrand>
    <Amount>94160</Amount>
    <DSTransactionId>1c59a512-ab4f-4370-af97-4cfe69b7276e</DSTransactionId>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <CurrencyCode>840</CurrencyCode>
    <OrderId>8000038870456384</OrderId>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<OrderId>{{ORDER_ID}}</OrderId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block
languagexml
<CardinalMPI>
    <CardBin>520000</CardBin>
    <ThreeDSVersion>2.2.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <EciFlag>07</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>MC</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

1b. Recurring Payments - Subsequent Transaction (Mastercard)

Scenario 

Merchant is running a subsequent 3RI recurring transaction that is a fixed amount for a set or of no established expiry (e.g., subscription purchases).

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Mastercard PAN: 
2.2.0: 5200000000002235

Info

NOTE: Normally, merchants would use the same PAN as indicated in Test Case 1a. Initial/First Recurring Transaction. At this time, this functionality is not supported in our test environment.

Required Fields - Lookup Request (cmpi_lookup)

Message Category = 01 (PA)

Code Block
languagexml
<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block
languagexml
<DeviceChannel>3RI</DeviceChannel>

Alternate Prior Authentication Data = DS TransactionId from initial transaction (available on Lookup Response)

Code Block
languagexml
<AlternatePriorAuthenticationData>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</AlternatePriorAuthenticationData>

Note: The presence of DS transaction ID in the AlternatePriorAuthenticationData field is a requirement for 3RI payment transactions for recurring payments.

Alternate Prior Authentication Ref = ACS TransactionId from initial transaction (available on Lookup Response)

Code Block
languagexml
<AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>

Note: The presence of ACS transaction ID in the AlternatePriorAuthenticationRef field is a requirement for 3RI payment transactions for recurring payments.

Alternate Prior Authentication Time = Date and time in UTC of the prior cardholder authentication.

Format: YYYYMMDDHHMMSS

Code Block
languagexml
<AlternatePriorAuthenticationTime>20230405112438</AlternatePriorAuthenticationTime>

Alternate Prior Authentication Method = 02 - Cardholder challenge occurred by ACS

Code Block
languagexml
<AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>

AuthenticationIndicator = 02 - Recurring transaction

Code Block
languagexml
<AuthenticationIndicator>02</AuthenticationIndicator>

ThreeRIIndicator = 01 - Recurring transaction

Code Block
languagexml
<ThreeRIIndicator>01</ThreeRIIndicator>

PurchaseDate =

Format: YYYYMMDDHHMMSS

Code Block
languagexml
<PurchaseDate>20230405112438</PurchaseDate>

RecurringFrequency =

Example values accepted (31 days):

  • 31

  • 031

  • 0031

Code Block
languagexml
<RecurringFrequency>31</RecurringFrequency>

RecurringEnd =

Format: YYYYMMDD

Note: It is recommended not to exceed 12 months from PurchaseDate for recurring expiry

Code Block
languagexml
<RecurringEnd>20240121</RecurringEnd>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
languagexml
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Additional Information

Mastercard Identity Check

Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This will be present on a Mastercard response message for this particular 3RI scenario.

Sample Messages

Sample Lookup Message

Code Block
languagexml
<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <ThreeRIIndicator>01</ThreeRIIndicator>
  <RecurringFrequency>31</RecurringFrequency>
  <RecurringEnd>20220907</RecurringEnd>
  <AuthenticationIndicator>02</AuthenticationIndicator>
  <AlternatePriorAuthenticationData>d1734c35-0663-4138-b472-dd6272aa8f77</AlternatePriorAuthenticationData>
  <AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>
  <AlternatePriorAuthenticationTime>20230405112438</AlternatePriorAuthenticationTime>
  <AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>
</CardinalMPI>

Sample Response Message

Code Block
languagexml
<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>07</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>MASTERCARD</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>520000</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

Test Case 2: Trans Status Reason

Info

NOTE: Visa cards will be used for all Trans Status Reason test cases, however, these values can (and will) be returned for all card networks.

2a. Card Authentication Failed

Scenario 

01 - Card Authentication Failed

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 
2.1.0: 4000000000002040

Required Fields - Lookup Request (cmpi_lookup)

No specific callouts for fields; transStatusReason will be returned based on the PAN.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block
languagexml
<PAResStatus>N</PAResStatus>

Cavv = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

StatusReason = 01

Code Block
languagexml
<StatusReason>01</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

When PAResStatus= N, the CardholderInfo field may be returned by the Issuer. When this is present, you must display this within your checkout experience.

Sample Messages

Sample Lookup Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <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 Response Message

Code Block
languagexml
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>xSWrRbz7RQsFvxaLn8a0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <CardHolderInfo>Note: Additional authentication is required by the issuing bank for this transaction, please contact &#194;nyb&#228;nk at 123-456-7890.</CardHolderInfo>
    <Cavv/>
    <PAResStatus>N</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>c7e0509d-1fb0-43e4-be45-0d7de136c807</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>f8c593fd-9b44-4a57-9a1d-d5eccebf692b</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>01</StatusReason>
    <DSTransactionId>d3091c88-90aa-41e5-b8e1-d5f1319a6654</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000421499226661</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

2b. Suspected Fraud

Scenario 

11 - Suspected Fraud

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 
2.1.0: 4000000000002149

Required Fields - Lookup Request (cmpi_lookup)

No specific callouts for fields; transStatusReason will be returned based on the PAN.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block
languagexml
<PAResStatus>U</PAResStatus>

Cavv = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

StatusReason = 11

Code Block
languagexml
<StatusReason>11</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

Sample Messages

Sample Lookup Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <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 Response Message

Code Block
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>1S24NY2U9B5B803m0mR0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>U</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>1976d4a4-ef90-4b07-89d6-4cffe17d7829</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>f353fa13-cec0-4d6b-a6e5-ccd18c5f831b</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>11</StatusReason>
    <DSTransactionId>b0100d3a-83ed-4c0f-acaa-df70dfc42410</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000821879894022</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

2c. Cardholder Not Enrolled in Service

Scenario 

13 - Cardholder Not Enrolled in Service

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 
2.1.0: 4000000000002164

Required Fields - Lookup Request (cmpi_lookup)

No specific callouts for fields; transStatusReason will be returned based on the PAN.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = R

Code Block
languagexml
<PAResStatus>R</PAResStatus>

Cavv = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

StatusReason = 13

Code Block
languagexml
<StatusReason>13</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

Sample Messages

Sample Lookup Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <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 Response Message

Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>9Yi48DfdSbQ8BMTGxe50</TransactionId>
	<Payload/>
	<ErrorDesc/>
	<Cavv/>
	<PAResStatus>R</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>7ff1206b-33ad-4e0e-9771-2bd4c443bd65</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl/>
	<ThreeDSServerTransactionId>d63f5270-fb63-4f29-a5d7-57bee44c8cfd</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<StatusReason>13</StatusReason>
	<DSTransactionId>c79a26f2-703e-43e1-b8f4-f7d3ee50a68d</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8000637502295076</OrderId>
	<ChallengeRequired/>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

2d. Transaction timed out at the ACS

Scenario 

14 - Transaction timed out at the ACS

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 
2.1.0: 4000000000002172

Required Fields - Lookup Request (cmpi_lookup)

No specific callouts for fields; transStatusReason will be returned based on the PAN.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block
languagexml
<PAResStatus>U</PAResStatus>

Cavv = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

StatusReason = 14

Code Block
languagexml
<StatusReason>14</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

Sample Messages

Sample Lookup Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <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 Response Message

Code Block
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>jbPmKVxuzbQV3Wc5q7G0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>U</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>d66a22d5-f4e0-41e9-900b-20506aa326e8</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>770845c1-2441-451c-b9e0-c648e6a18648</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>14</StatusReason>
    <DSTransactionId>14cf478f-0cea-4a0f-93c6-1acbc392dfaf</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000352933605436</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

2e. Non-Payment transaction not supported

Scenario 

20 - Non-Payment transaction not supported

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 
2.1.0: 4000000000002230

Required Fields - Lookup Request (cmpi_lookup)

No specific callouts for fields; transStatusReason will be returned based on the PAN.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block
languagexml
<PAResStatus>U</PAResStatus>

Cavv = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

StatusReason = 20

Code Block
languagexml
<StatusReason>20</StatusReason>

Additional Information

Test Case can apply to PA or NPA transactions.

Sample Messages

Sample Lookup Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <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 Response Message

Code Block
languagexml
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>jbPmKVxuzbQV3Wc5q7G0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>U</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>d66a22d5-f4e0-41e9-900b-20506aa326e8</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>770845c1-2441-451c-b9e0-c648e6a18648</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>20</StatusReason>
    <DSTransactionId>14cf478f-0cea-4a0f-93c6-1acbc392dfaf</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000352933605436</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

2f. 3RI transaction not supported

Scenario 

21 - 3RI transaction not supported

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Visa PAN: 
2.1.0: 4000000000002248

Required Fields - Lookup Request (cmpi_lookup)

MessageCategory = 02 (NPA)

Code Block
languagexml
<MessageCategory>02</MessageCategory>

DeviceChannel = 3RI (03)

Code Block
languagexml
<DeviceChannel>3RI</DeviceChannel>

ThreeRIIndicator = 01

Code Block
languagexml
<ThreeRIIndicator>01</ThreeRIIndicator>

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block
languagexml
<PAResStatus>U</PAResStatus>

Cavv = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

StatusReason = 21

Code Block
languagexml
<StatusReason>21</StatusReason>

Sample Messages

Sample Lookup Message

Code Block
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <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>3RI</DeviceChannel>
    <MessageCategory>02</MessageCategory>
    <ThreeRIIndicator>01</ThreeRIIndicator>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Response Message

Code Block
languagexml
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>0TmYenYQaThUv4nrJKi0</TransactionId>
    <Payload/>
    <ErrorDesc/>
    <Cavv/>
    <PAResStatus>U</PAResStatus>
    <Enrolled>Y</Enrolled>
    <ACSTransactionId>c05374b4-65b3-4b9b-8dd3-9d2ed9c80d99</ACSTransactionId>
    <EciFlag>07</EciFlag>
    <ACSUrl/>
    <ThreeDSServerTransactionId>62615477-4210-4272-80b0-de04bfab191d</ThreeDSServerTransactionId>
    <CardBin>400000</CardBin>
    <CardBrand>VISA</CardBrand>
    <StatusReason>21</StatusReason>
    <DSTransactionId>6b8c2d65-58a0-4e00-a183-b325c3b0fbde</DSTransactionId>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000009746159791</OrderId>
    <ChallengeRequired/>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 3: TRA Exemption

3a. Transaction Risk Analysis (TRA) / Low Value - Mastercard

Scenario 

Merchant has performed a proprietary risk assessment and is requesting a Transaction Risk Analysis (Low Risk) or Low Value exemption based on fraud thresholds established with the network.

Authentication Experience

Frictionless

Test Values

EXP Date: 01/****

Mastercard PAN
2.1.0: 5200000000001161
2.2.0: 5200000000002052

Required Fields - Lookup Request (cmpi_lookup)

ChallengeIndicator = 05 - No challenge requested (transactional risk analysis is already performed)

Code Block
languagexml
<ChallengeIndicator>05</ChallengeIndicator>

Expected Results - Lookup Response (cmpi_lookup)

EMV 3DS (2.1.0 Results)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block
languagexml
<PAResStatus>N</PAResStatus>

Cavv = <Cavv Value>

Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 06

Code Block
languagexml
<EciFlag>06</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

StatusReason = 81

Code Block
<StatusReason>81</StatusReason>

EMV 3DS (2.2.0 Results)


Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

 

PAResStatus = I

Code Block
<PAResStatus>I</PAResStatus>

 

Cavv = <Cavv Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

 

EciFlag = 06

Code Block
<EciFlag>06</EciFlag>

 

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

 

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Mastercard Identity Check 2.1

Supported through /wiki/spaces/STAG/pages/1487667238

In this case, ChallengeIndicator on the Lookup should be passed as “05” and Centinel will remap this value to the Extension field.

Mastercard Identity Check 2.2

Cardinal support for Mastercard Identity Check 2.2 is coming soon.

Additional Information

Merchant Action

Proceed to Authorization

You may also request the TRA exemption directly in authorization depending on region and your agreements with your Acquirer and the networks.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <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>
    <ChallengeIndicator>05</ChallengeIndicator>
</CardinalMPI>

Sample Lookup Response Message

Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>7PsLeNvHeJeYhSdgJ1w0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>N</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>0fd9990f-bb4a-4137-a4c0-114e7fe13e36</ACSTransactionId>
	<EciFlag>06</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>8578262c-1983-4ad8-b77c-42a656f004f2</ThreeDSServerTransactionId>
	<CardBin>520000</CardBin>
	<CardBrand>MASTERCARD</CardBrand>
	<StatusReason>81</StatusReason>
	<DSTransactionId>814abcc3-48bd-4912-bff2-53764d82e17f</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8010298927813304</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

3b. Transaction Risk Analysis (TRA) / Low Value - Visa

Scenario 

Merchant has performed a proprietary risk assessment and is requesting a Transaction Risk Analysis (Low Risk) or Low Value exemption based on fraud thresholds established with the network.

Authentication Experience

Frictionless

Test Values

 

EXP Date: 01/****

Visa PAN: 
2.2.0: 4000000000002024

Required Fields - Lookup Request (cmpi_lookup)

 

ChallengeIndicator = 05 - No challenge requested (transactional risk analysis is already performed)

Code Block
languagexml
<ChallengeIndicator>05</ChallengeIndicator>

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = I

Code Block
languagexml
<PAResStatus>I</PAResStatus>

Cavv = <Cavv Value>

Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Visa Secure 2.1

Not Supported

Visa Secure 2.2

You will need to work with your Acquirer to ensure the TRA flag is added in Field 34 along with providing the CAVV in the Authorization message.

Additional Information

Merchant Action

Proceed to Authorization

You may also request the TRA exemption directly in authorization depending on region and your agreements with your Acquirer and the networks.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <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>
    <ChallengeIndicator>05</ChallengeIndicator>
</CardinalMPI>

Sample Lookup Response Message

Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>2DFjcHlJZomQI3t2t1w0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>I</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>faec7488-47f9-4df0-bf7c-c937dd2e1b58</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>5473dddd-c0b9-48f0-9041-e70b0043f7c1</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>100</Amount>
	<DSTransactionId>a6c7e608-817e-4b28-a5dd-3448456fc9d9</DSTransactionId>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<CurrencyCode>978</CurrencyCode>
	<OrderId>8000562234606921</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

3c. Transaction Risk Analysis (TRA) / Low Value - Discover

Scenario 

Merchant has performed a proprietary risk assessment and is requesting a Transaction Risk Analysis (Low Risk) or Low Value exemption based on fraud thresholds established with the network.

Authentication Experience

Frictionless

Test Values

 

EXP Date: 01/****

Discover PAN: 
2.1.0: 6011000000001002

Required Fields - Lookup Request (cmpi_lookup)

 

ChallengeIndicator = 04 05 - Challenge No challenge requested (Mandatetransactional risk analysis is already performed)

Code Block
languagexml
<ChallengeIndicator>04<<ChallengeIndicator>05</ChallengeIndicator>

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
languagexml
<PAResStatus>Y</PAResStatus>

Cavv = <Cavv Value>

Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 05

Code Block
languagexml
<EciFlag>05</EciFlag>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Discover ProtectBuy 2.1

In this case, merchant must pass Challenge Indicator = 04 05 to indicate TRA exemption.

Additional Information

Merchant Action

Proceed to Authorization

You may also request the TRA exemption directly in authorization depending on region and your agreements with your Acquirer and the networks.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <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>
    <ChallengeIndicator>04<<ChallengeIndicator>05</ChallengeIndicator>
</CardinalMPI>

Sample Lookup Response Message

Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>u6puKnpSQK4EtVMI5Bt0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>Y</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>d4232ed9-f66d-45d3-8627-a4b234ae8387</ACSTransactionId>
	<EciFlag>05</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>ee6d296e-0900-43f2-95cf-e7113f6ffd85</ThreeDSServerTransactionId>
	<CardBin>601100</CardBin>
	<CardBrand>DISCOVER</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>976f680b-7ee7-468a-bf27-55d2ec4ec1ef</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8320185826071610</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

3d. Acquirer TRA - Cartes Bancaires

Scenario 

Merchant has performed a proprietary risk assessment and is requesting the Acquirer TRA exemption.

Authentication Experience

Frictionless

Test Values

 

EXP Date: 01/****

Cartes Bancaires (Visa) PAN:
2.1.0: 4000000000003006

Cartes Bancaires (MC) PAN: 
2.1.0: 5200000000003001

Lookup Request (cmpi_lookup) → CardType = CB

Required Fields - Lookup Request (cmpi_lookup)

 

ChallengeIndicator = 05 - No challenge requested

Code Block
languagexml
<ChallengeIndicator>05</ChallengeIndicator>

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
languagexml
<PAResStatus>Y</PAResStatus>

Cavv = <Cavv Value>

Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
Note

NOTE: The CAVV value will not be returned during your testing. This may be returned in Production based on issuer rules surrounding co-branding with Visa or Mastercard BINs.

EciFlag =

Code Block
languagexml
<EciFlag></EciFlag>
Note

NOTE: CB does not leverage ECI values. If the card is co-branded with Visa or Mastercard those program values would apply.

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Cartes Bancaires (v1.7)

Passing ChallengeIndicator=05 on a CB EMV 3DS 2.1.0 will allow Cardinal to generate the CB-EXEMPTACQ extension field on the AReq.

Additional Information

Merchant Action

Proceed to Authorization

You may also request the TRA exemption directly in authorization depending on region and your agreements with your Acquirer and the networks.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <CardType>CB</CardType>
    <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>
    <ChallengeIndicator>02</ChallengeIndicator>
</CardinalMPI>

Sample Lookup Response Message

Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>u6puKnpSQK4EtVMI5Bt0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus>Y</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>d4232ed9-f66d-45d3-8627-a4b234ae8387</ACSTransactionId>
	<EciFlag></EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>ee6d296e-0900-43f2-95cf-e7113f6ffd85</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>CB</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>976f680b-7ee7-468a-bf27-55d2ec4ec1ef</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8320185826071610</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

3e. Acquirer TRA - Cartes Bancaires (2.2.0)

Scenario 

Merchant has performed a proprietary risk assessment and is requesting the Acquirer TRA exemption.

Authentication Experience

Frictionless

Test Values

 

EXP Date: 01/****

Cartes Bancaires (Visa) PAN:
2.2.0: 4000000000002479

Cartes Bancaires (MC) PAN: 
2.2.0: 5200000000004710

Lookup Request (cmpi_lookup) → CardType = CB

Required Fields - Lookup Request (cmpi_lookup)

 

ChallengeIndicator = 05 - No challenge requested (transactional risk analysis is already performed)

Code Block
languagexml
<ChallengeIndicator>05</ChallengeIndicator>

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = I

Code Block
languagexml
<PAResStatus>I</PAResStatus>

Cavv = <Cavv Value>

Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag =

Code Block
languagexml
<EciFlag></EciFlag>
Note

NOTE: CB does not leverage ECI values. If the card is co-branded with Visa or Mastercard those program values would apply.

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Additional Information

Merchant Action

Proceed to Authorization

You may also request the TRA exemption directly in authorization depending on region and your agreements with your Acquirer and the networks.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <CardType>CB</CardType>
    <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>
    <ChallengeIndicator>02</ChallengeIndicator>
</CardinalMPI>

Sample Lookup Response Message

Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>u6puKnpSQK4EtVMI5Bt0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>I</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>d4232ed9-f66d-45d3-8627-a4b234ae8387</ACSTransactionId>
	<EciFlag></EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>ee6d296e-0900-43f2-95cf-e7113f6ffd85</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>CB</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>976f680b-7ee7-468a-bf27-55d2ec4ec1ef</DSTransactionId>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8320185826071610</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 4: Trusted Beneficiary (Trustlist Exemption)

Test Case 4a: Prompt For Trustlist

Scenario 

Successful traditional Step Up (Challenge) authentication transaction with a prompt for the trustlist and an accepted exemption result

Authentication Experience

Challenge

Test Values

Visa PAN: 
2.2.0: 4000000000002008

Mastercard PAN: 
2.2.0: 5200000000002003

Required Fields - Lookup Request (cmpi_lookup)

ChallengeIndicator = 09 - Challenge requested (trustlist prompt requested if challenge required)

Code Block
languagexml
<ChallengeIndicator>09</ChallengeIndicator>

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block
languagexml
<PAResStatus>C</PAResStatus>

CAVV = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

Visa:
EciFlag = 07

Mastercard:
EciFlag = 00

Code Block
languagexml
<EciFlag>07</EciFlag>

Payload = <Payload Value>

Code Block
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

 

PAResStatus = Y

Code Block
languagexml
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
languagexml
<Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>

Visa:
EciFlag = 05

Mastercard:
EciFlag = 02

Code Block
languagexml
<EciFlag>05</EciFlag>

WhiteListStatus = <WhiteListStatus Value>

Code Block
languagexml
<WhiteListStatus>Y</WhiteListStatus>

WhiteListStatusSource = <WhiteListStatusSource Value>

Code Block
languagexml
<WhiteListStatusSource>03</WhiteListStatusSource>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block
languagexml
<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
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<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>
	<ChallengeIndicator>09</ChallengeIndicator>
	<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
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>X1XvSfNzermEm8Dfgyq0</TransactionId>
	<Payload>
		eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiJmMWJiNDAwZC1lZWRiLTQ2YjYtYTgwYi05MWJiMzExNWJlNjAiLCJhY3NUcmFuc0lEIjoiYzk3MGRlMjEtODVjYi00YzZiLTgyYzItNzE3ZGI1YzA1NDYyIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0
	</Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus>C</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>c970de21-85cb-4c6b-82c2-717db5c05462</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl>https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp</ACSUrl>
	<ThreeDSServerTransactionId>f1bb400d-eedb-46b6-a80b-91bb3115be60</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<DSTransactionId>042adc1b-9fb9-444c-a72e-f60f8d5d2fb8</DSTransactionId>
	<AuthenticationType>01</AuthenticationType>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<OrderId>8000094459242422</OrderId>
	<ChallengeRequired>N</ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Sample Authenticate Request Message

Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block
languagexml
<CardinalMPI>
    <CardBin>400000</CardBin>
    <ThreeDSVersion>2.2.0</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>
    <WhiteListStatus>Y</WhiteListStatus>
    <WhiteListStatusSource>03</WhiteListStatusSource>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>

Test Case 4b: Utilize Trusted Beneficiary Exemption

Scenario 

Successful frictionless authentication transaction with a pre-trustlisted indication and an accepted exemption result

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.2.0: 4000000000002016

Mastercard PAN: 
2.2.0: 5200000000002011

Required Fields - Lookup Request (cmpi_lookup)

ChallengeIndicator = 08 = No challenge requested (utilize trustlist exemption if no challenge required)

Code Block
languagexml
<ChallengeIndicator>08</ChallengeIndicator>

Optional Fields - Lookup Request (cmpi_lookup)

WhiteListStatus = <WhiteListStatus Value>

Code Block
languagexml
<WhiteListStatus>Y</WhiteListStatus>

WhiteListStatusSource = <WhiteListStatusSource Value>

Code Block
languagexml
<WhiteListStatusSource>03</WhiteListStatusSource>

Expected Results - Lookup Response (cmpi_lookup)

 

PAResStatus = Y

Code Block
languagexml
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
languagexml
<Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>

Visa:
EciFlag = 05

Mastercard:
EciFlag = 02

Code Block
languagexml
<EciFlag>05</EciFlag>

WhiteListStatus = <WhiteListStatus Value>

Code Block
languagexml
<WhiteListStatus>Y</WhiteListStatus>

WhiteListStatusSource = <WhiteListStatusSource Value>

Code Block
languagexml
<WhiteListStatusSource>03</WhiteListStatusSource>

ThreeDSVersion = <ThreeDSVersion Value>

Code Block
languagexml
<ThreeDSVersion>2.2.0</ThreeDSVersion>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<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>
	<ChallengeIndicator>08</ChallengeIndicator>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
	<WhiteListStatus>Y</WhiteListStatus>
	<WhiteListStatusSource>03</WhiteListStatusSource>
</CardinalMPI>

Sample Lookup Response Message

Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>Zk1bb78N7Z829qzfcGo0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>Y</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>55744ae5-fb70-46a1-af87-7b79eb7a9326</ACSTransactionId>
	<EciFlag>05</EciFlag>
	<WhiteListStatusSource>03</WhiteListStatusSource>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>9ee72837-7622-4fd7-bbe4-3678f296bd74</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>c1fdf458-f8c5-4667-9803-245e9d41f464</DSTransactionId>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8000376244612849</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<WhiteListStatus>Y</WhiteListStatus>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 5: Data Only

Test Case 5a: Visa Data Only

Scenario 

Visa Data Only authentication request

Implementation of 3DS Method is a requirement for Visa Data Only.
For more information, please refer to Method URL Test Case documentation.

Authentication Experience

Frictionless (Information Only)

Test Values

Visa PAN: 
2.2.0: 4000000000002024

Required Fields - Lookup Request (cmpi_lookup)

ChallengeIndicator = 06

Code Block
languagexml
<ChallengeIndicator>06</ChallengeIndicator>

Expected Results - Lookup Response (cmpi_lookup)

 

PAResStatus = I

Code Block
languagexml
<PAResStatus>I</PAResStatus>

EciFlag = 07

Code Block
languagexml
<EciFlag>07</EciFlag>

CAVV = <CAVV Value>

Code Block
languagexml
<Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>

ThreeDSVersion = <ThreeDSVersion Value>

Code Block
languagexml
<ThreeDSVersion>2.2.0</ThreeDSVersion>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <ChallengeIndicator>06</ChallengeIndicator>
    <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
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>uYexU3uCFJqhZmMmcGC1</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>I</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>a671440c-cc88-45fe-b347-6065e625aea9</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>f742c13e-dbc1-4091-9b9c-56d0f8acb7e0</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>7315643f-1d8a-4fbe-9781-486ab80f9960</DSTransactionId>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8001489839282974</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 5b-1: Identity Check Insights (ScoreRequest = N)

Scenario 

Mastercard Data Only authentication request

Authentication Experience

Frictionless

Test Values

Mastercard PAN: 
2.1.0: 5200000000001005

Required Fields - Lookup Request (cmpi_lookup)

MessageCategory = 80

Code Block
languagexml
<MessageCategory>80</MessageCategory>

Optional Fields - Lookup Request (cmpi_lookup)

ScoreRequest = N

Code Block
languagexml
<ScoreRequest>N</ScoreRequest>

Expected Results - Lookup Response (cmpi_lookup)

 

PAResStatus = U

Code Block
languagexml
<PAResStatus>U</PAResStatus>

CAVV = <CAVV Value>

Code Block
languagexml
<Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>

EciFlag = 04

Code Block
languagexml
<EciFlag>04</EciFlag>

StatusReason = 80

Code Block
languagexml
<StatusReason>80</StatusReason>

ThreeDSVersion = <ThreeDSVersion Value>

Code Block
languagexml
<ThreeDSVersion>2.1.0</ThreeDSVersion>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Additional Information

Merchant Action

Merchant should append the ECI and DS Transaction ID value to the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <MessageCategory>80</MessageCategory>
    <ScoreRequest>N<ScoreRequest>
    <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
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>PtrH1lH3ZcwhkTQ1T0l1</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>U</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>78237904-8400-4b96-b882-7b48f5a4cd2e</ACSTransactionId>
	<EciFlag>04</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>ea21d9f2-433d-4ce6-b245-4f11f288ca11</ThreeDSServerTransactionId>
	<CardBin>520000</CardBin>
	<CardBrand>MASTERCARD</CardBrand>
	<StatusReason>80</StatusReason>
	<DSTransactionId>4541e48f-d726-4776-b518-5700ee150d25</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8011145117500382</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 5b-2: Identity Check Insights (ScoreRequest = Y)

Scenario 

Mastercard Data Only authentication request

Note

Mastercard has a program that allows the DTI to be returned to the merchant, and for the merchant to pass a score on the lookup.  Work with your client manager to discuss further, as coordination is required with Cardinal and Mastercard and this is handled on a case-by-case basis at this time.

Authentication Experience

Frictionless

Test Values

Mastercard PAN: 
2.1.0: 5200000000001005

Required Fields - Lookup Request (cmpi_lookup)

MessageCategory = 80

Code Block
languagexml
<MessageCategory>80</MessageCategory>

Optional Fields - Lookup Request (cmpi_lookup)

ScoreRequest = Y

Code Block
languagexml
<ScoreRequest>Y</ScoreRequest>

MerchantReasonCode= A

Code Block
languagexml
<MerchantReasonCode>A</MerchantReasonCode>

Expected Results - Lookup Response (cmpi_lookup)

 

PAResStatus = U

Code Block
languagexml
<PAResStatus>U</PAResStatus>

CAVV = <CAVV Value>

Code Block
languagexml
<Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>

EciFlag = 04

Code Block
languagexml
<EciFlag>04</EciFlag>

StatusReason = 80

Code Block
languagexml
<StatusReason>80</StatusReason>

ThreeDSVersion = <ThreeDSVersion Value>

Code Block
languagexml
<ThreeDSVersion>2.1.0</ThreeDSVersion>

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Optional Results - Lookup Response (cmpi_lookup) [Only if ScoreRequest = Y]

IDCI_Score = 9

Code Block
languagexml
<IDCI_Score>9</IDCI_Score>

IDCI_Decision= not low risk

Code Block
languagexml
<IDCI_Decision>not low risk</IDCI_Decision>

IDCI_ReasonCode1 = A

Code Block
languagexml
<IDCI_ReasonCode1>A</IDCI_ReasonCode1>

IDCI_ReasonCode2 = GG

Code Block
languagexml
<IDCI_ReasonCode2>GG</IDCI_ReasonCode2>

Integration Method Specific Expected Results

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Additional Information

Merchant Action

Merchant should append the ECI and DS Transaction ID values to the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <MessageCategory>80</MessageCategory>
    <ScoreRequest>Y<ScoreRequest>
    <MerchantReasonCode>A</MerchantReasonCode>
    <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
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>dEoL7FjtOiDD7v6KGa60</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>U</PAResStatus>
	<IDCI_Score>9</IDCI_Score>
	<IDCI_Decision>not low risk</IDCI_Decision>
	<IDCI_ReasonCode1>A</IDCI_ReasonCode1>
	<IDCI_ReasonCode2>GG</IDCI_ReasonCode2>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>daa5930f-c75f-49ff-8539-da0f58bc539f</ACSTransactionId>
	<EciFlag>04</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>a83f039f-f16b-469b-969f-fad55a9b8e64</ThreeDSServerTransactionId>
	<CardBin>520000</CardBin>
	<CardBrand>MASTERCARD</CardBrand>
	<StatusReason>80</StatusReason>
	<DSTransactionId>e95eb705-cea3-4488-ad79-0ad2ff9effd2</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8010133031570138</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 6: Split/Delayed Shipment (3RI)

Note

These Test Cases (6a, 6b) are currently in Beta status and could be subject to change.

6a. Split/Delayed Shipment (Mastercard)

Scenario 

A purchase includes multiple items that are made available to the consumer at different periods. For example, an order contains backordered or preordered items.

Note: During the initial purchase, an authentication should be completed using the full amount total (including products not yet to be shipped).

Authentication Experience

Frictionless

Test Values

 

EXP Date: 01/****

Mastercard PAN: 
2.2.0: TBD

Required Fields - Lookup Request (cmpi_lookup)

 

Message Category = 01 (PA)

Code Block
<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block
<DeviceChannel>3RI</DeviceChannel>

AuthenticationIndicator = 02 (Recurring transaction)

Code Block
<AuthenticationIndicator>02</AuthenticationIndicator>

ThreeRIIndicator = 06 (Split/Delayed Shipment)

Code Block
<ThreeRIIndicator>06</ThreeRIIndicator>

Alternate Prior Authentication Data = DSTransactionId from initial transaction (available on Lookup Response)

Code Block
<AlternatePriorAuthenticationData>dsTransID:7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</AlternatePriorAuthenticationData>

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 07

Code Block
<EciFlag>07</EciFlag>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Card Network & Version Specifications

Mastercard Identity Check 2.1

For Mastercard Identity Check 2.1, 3RI is not supported for Payment Authentication (PA).

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

Additional Information

Mastercard Identity Check

Mastercard has allocated a new ECI value, ECI 07, for 3RI transactions. This will be present on a Mastercard response message for this particular 3RI scenario.

Sample Messages

Sample Lookup Message

Code Block
<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <AuthenticationIndicator>02</AuthenticationIndicator>
  <ThreeRIIndicator>06</ThreeRIIndicator>
  <AlternatePriorAuthenticationData>dsTransID:d1734c35-0663-4138-b472-dd6272aa8f77</AlternatePriorAuthenticationData>
</CardinalMPI>

Sample Response Message

Code Block
<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>07</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>MASTERCARD</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>520000</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

 

6b. Split/Delayed Shipment (Visa)

Scenario 

A purchase includes multiple items that are made available to the consumer at different periods. For example, an order contains backordered or preordered items.

Note: During the initial purchase, an authentication should be completed using the full amount total (including products not yet to be shipped).

Authentication Experience

Frictionless

Test Values

 

EXP Date: 01/****

Visa PAN: 
2.1.0: TBD

2.2.0: TBD

Required Fields - Lookup Request (cmpi_lookup)

 

Message Category = 01 (PA)

Code Block
<MessageCategory>01</MessageCategory>

Device Channel = 3RI (03)

Code Block
<DeviceChannel>3RI</DeviceChannel>

AuthenticationIndicator = 01 (Payment transaction)

Code Block
<AuthenticationIndicator>01</AuthenticationIndicator>

ThreeRIIndicator =

EMV 3DS 2.1: 80 (Payment Authentication)

EMV 3DS 2.2: 06 (Split/Delayed Shipment)

Code Block
<ThreeRIIndicator>06</ThreeRIIndicator>

Alternate Prior Authentication Ref = ACSTransactionId from initial transaction (available on Lookup Response)

Code Block
<AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>

Alternate Prior Authentication Time = Date and time in UTC of the prior cardholder authentication.

Format: YYYYMMDDHHMMSS

Code Block
<AlternatePriorAuthenticationTime>20230405112438</AlternatePriorAuthenticationTime>

Alternate Prior Authentication Method = 02 - Cardholder challenge occurred by ACS

Code Block
<AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>
Info

The AlternatePriorAuthenticationMethod value will need to be determined and stored during the initial transaction and sent in on the subsequent request. Merchants should store this value alongside the ACS Transaction Id to meet the requirements of the 3RI request.

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Code Block
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
<PAResStatus>Y</PAResStatus>

CAVV = <CAVV Value>

Code Block
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = 05

Code Block
<EciFlag>05</EciFlag>

ErrorNo = 0

Code Block
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
<ErrorDesc></ErrorDesc>

Sample Messages

Sample Lookup Message

Code Block
<CardinalMPI>
  <MsgType>cmpi_lookup</MsgType>
  <Version>1.7</Version>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <Algorithm>SHA-512</Algorithm>
  <Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
  <OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
  <Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
  <Timestamp>{{TIMESTAMP}}</Timestamp>
  <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
  <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
  <TransactionType>C</TransactionType>
  <Amount>94160</Amount>
  <CurrencyCode>840</CurrencyCode>
  <CardExpMonth>06</CardExpMonth>
  <CardExpYear>2022</CardExpYear>
  <BillingFirstName>Harry</BillingFirstName>
  <BillingMiddleName>S</BillingMiddleName>
  <BillingLastName>Truman</BillingLastName>
  <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
  <BillingAddress2 />
  <BillingCity>Mentor</BillingCity>
  <BillingCountryCode>US</BillingCountryCode>
  <BillingPostalCode>10123</BillingPostalCode>
  <CategoryCode>0123</CategoryCode>
  <DeviceChannel>3RI</DeviceChannel>
  <AuthenticationIndicator>01</AuthenticationIndicator>
  <ThreeRIIndicator>06</ThreeRIIndicator>
  <AlternatePriorAuthenticationRef>45be5b5a-bd58-4b9d-a298-da2beb339064</AlternatePriorAuthenticationRef>
  <AlternatePriorAuthenticationTime>20230405112438</AlternatePriorAuthenticationTime>
  <AlternatePriorAuthenticationMethod>02</AlternatePriorAuthenticationMethod>
</CardinalMPI>

Sample Response Message

Code Block
<CardinalMPI>
  <ACSOperatorID>MerchantACS</ACSOperatorID>
  <ErrorDesc></ErrorDesc>
  <ACSUrl></ACSUrl>
  <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
  <ErrorNo>0</ErrorNo>
  <EciFlag>05</EciFlag>
  <Enrolled>Y</Enrolled>
  <CurrencyCode>840</CurrencyCode>
  <DSTransactionId>c340528c-1c03-4964-9a32-b9907bb5e048</DSTransactionId>
  <OrderId>8010394438358853</OrderId>
  <CardBrand>VISA</CardBrand>
  <PAResStatus>Y</PAResStatus>
  <CardBin>400120</CardBin>
  <SignatureVerification>Y</SignatureVerification>
  <ThreeDSVersion>2.2.0</ThreeDSVersion>
  <ThreeDSServerTransactionId>558dccac-45b1-4be4-9949-50a5ee2ec572</ThreeDSServerTransactionId>
  <Amount>94160</Amount>
  <ChallengeRequired></ChallengeRequired>
  <TransactionId>KN3bdqXoE0ZjIptkL9H0</TransactionId>
  <ACSTransactionId>9331946b-7d0a-4df7-8988-1c94b625e552</ACSTransactionId>
  <ACSReferenceNumber>Cardinal ACS</ACSReferenceNumber>
</CardinalMPI>

 

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