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

Info

Important test notes:

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

Table of Contents

Table of Contents

minLevel	1
maxLevel	7
exclude	Important test notes:

Frictionless Test Cases

Expected Results - Response

EFTPOS

Test Case 1: Successful Frictionless Authentication

Scenario

Successful frictionless authentication representing the cardholder being authenticated by their Card Issuer

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001000

2.2.0 : 4000000000002701

Mastercard PAN:

2.1.0 : 5200000000001005

2.2.0 : 5200000000002235

American Express PAN:

2.1.0 : 340000000001007

2.2.0 : 340000000002708

Discover (Diners Club) PAN:

2.1.0 : 6011000000001002

JCB J/Secure PAN:

2.1.0 : 3337000000000008

2.2.0 : 3338000000000296

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003006

2.2.0 : 4000000000004970

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003001

2.2.0 : 5200000000004801

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 65050500000010006505290000001002

UnionPay PAN:

2.1.0 : 6200010000200000

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4500010000003315eftpos (Visa4632082100000005

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 40000000000051265577550121000000

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (MCVisa) PAN:

2.1.0 : 52000000000051704000000000005126

Lookup

Request (cmpi_lookup)

Enrolled → CardType = Y

Code Block

eftpos (MC) PAN:

2.1.0 : 5200000000005170

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008020

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.2.0 : 5200000000008000

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>05</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
 <ProcessorId>{{PROCESSOR	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</ProcessorId>
    <MerchantId>{{MERCHANT_IDOrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</MerchantId>
    <TransactionPwd>{{TRANSACTION_PASSWORDSignature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml

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

Test Case 2: Failed Frictionless Authentication

Scenario

Authentication Failed by Card Issuer without Challenge

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001018

2.2.0 : 4000000000002925

Mastercard PAN:

2.1.0 : 5200000000001013

2.2.0 : 5200000000002276

American Express PAN:Express PAN:

2.1.0 : 340000000001015

2.2.0 : 340000000002096

Discover (Diners Club) PAN:

2.1.0 : 6011000000001010

JCB PAN:

2.1.0 : 3337000000000990

2.2.0 : 3338000000000361

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003014

2.2.0 : 4000000000004574

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 3400000000010155200000000003019

2.2.0 : 3400000000020965200000000004538

Discover (Diners Club) PAN: 6011000000001010

JCB Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 33370000000009906505290000001010

UnionPay PAN:

2.21.0 : 3338000000000361Cartes Bancaires 6200010000100010

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 40000000000030144632082100000013

Lookup Request (cmpi_lookup) → CardType = CBITMX

Cartes Bancaires ITMX (MC) PAN:

2.1.0 : 52000000000030195577550121000018

Lookup Request (cmpi_lookup) → CardType = CBELO ITMX

eftpos (Visa) PAN:

2.1.0 : 6505050000001018UnionPay 4000000000005019

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 62000100001000105200000000005220

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX PAN:

2.1.0 : 4500010000003117

eftpos (VisaEFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008040

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 40000000000050195200000000008010

eftpos (MC) PAN:

2.1.0 : 5200000000005220Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/AFrictionless Authentication Experience scenario.

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml

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

Test Case 3: Attempts Stand-In Frictionless Authentication

Scenario

Cardholder is enrolled in 3DS however the Issuer is not supporting the program, resulting in a stand-in authentication experience

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001026

2.2.0 : 4000000000002719

Mastercard PAN:

2.1.0 : 5200000000001021

2.2.0 : 5200000000002482

American Express PAN:

2.1.0 : 340000000001023

2.2.0 : 340000000002872

Discover (Diners Club) PAN:

2.1.0 : 6011000000001028

JCB PAN:

2.1.0 : 3337000000007045

2.2.0 : 3338000000000585

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003022

2.2.0 : 4000000000004111

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003027

2.2.0 : 5200000000004587

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 65050500000010266505290000001069

UnionPay PAN: 62000100000000206200010000000020

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000070

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000075

Lookup Request (cmpi_lookup) → CardType = UPI ITMX PAN:2.1.0 : 4500010000001442

eftpos (Visa) PAN:

2.1.0 : 4000000000005027

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005360

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada(Visa and MC) does not currently support attempts at this time.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = A

Code Block

language	xml

<PAResStatus>A</PAResStatus>

XID = <XID value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>06</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</ProcessorId>OrgUnit>
	<MerchantId><Signature>{{MERCHANTGENERATED_SIGNATURE_IDVALUE}}</MerchantId>Signature>
	<TransactionPwd><Timestamp>{{TRANSACTION_PASSWORDTIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml


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

Integration Method Specific Expected Results

Test Case 4: Unavailable Frictionless Authentication from the Issuer

Scenario

Authentication is Unavailable at the current time

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001034

2.2.0 : 4000000000002313

Mastercard PAN:

2.1.0 : 5200000000001039

2.2.0 : 5200000000002268

American Express PAN:

2.1.0 : 340000000001031

2.2.0 : 340000000002922

Discover (Diners Club) PAN:

2.1.0 : 6011000000001036

JCB JCB PAN:

2.1.0 : 3337000000000735

2.2.0 : 3338000000000221

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003030

2.2.0 : 4000000000004160

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003035

2.2.0 : 5200000000004306

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 33370000000007356505290000001085

UnionPay PAN:

2.21.0 : 3338000000000221Cartes Bancaires 6200010000400030

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 40000000000030304632082100000096

Lookup Request (cmpi_lookup) → CardType = CBITMX

Cartes Bancaires ITMX (MC) PAN:

2.1.0 : 52000000000030355577550121000091

Lookup Request (cmpi_lookup) → CardType = CBELO ITMX

eftpos (Visa) PAN:

2.1.0 : 6505050000001034UnionPay 4000000000005035

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 62000100004000305200000000005410

Lookup Request (cmpi_lookup) → CardType = UPIITMX EFTPOS

mada (Visa) PAN:

2.12.0 : 4500010000008108eftpos (Visa4000000000008100

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 40000000000050355200000000008050

eftpos (MC) PAN:

2.1.0 : 5200000000005410Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block

language	xml

<PAResStatus>U</PAResStatus>

XID = <XID value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchants can attempt to retry authentication or proceed with authorization

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>
    <MerchantId>{{MERCHANT_IDIdentifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</MerchantId>
    <TransactionPwd>{{TRANSACTION_PASSWORDSignature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml


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

Test Case 5: Rejected Frictionless Authentication by the Issuer

Scenario

Rejected authentication by the issuer not requiring a challenge

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001042

2.2.0 : 4000000000002537

Mastercard PAN:

2.1.0 : 5200000000001047

2.2.0 : 5200000000002185

American Express PAN:

2.1.0 : 340000000001049

2.2.0 : 340000000002062

Discover (Diners Club) ) PAN:

2.1.0 : 6011000000001044

JCB PAN:

2.1.0 : 3337000000000321

2.2.0 : 3338000000000734

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003048

2.2.0 : 4000000000004517

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003043

2.2.0 : 5200000000004405

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 60110000000010446505290000001143

JCB UnionPay PAN:

2.1.0 : 3337000000000321

2.2.0 : 3338000000000734

Cartes Bancaires 6200010000300040

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 40000000000030484632082100000120

Lookup Request (cmpi_lookup) → CardType = CBITMX

Cartes Bancaires ITMX (MC) PAN:

2.1.0 : 52000000000030435577550121000125

Lookup Request (cmpi_lookup) → CardType = CBELO ITMX

eftpos (Visa) PAN:

2.1.0 : 6505050000001042UnionPay 4000000000005043

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 62000100003000405200000000005550

Lookup Request (cmpi_lookup) → CardType = UPIITMX EFTPOS

mada (Visa) PAN:

2.12.0 : 4500010000002507eftpos (Visa4000000000008130

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 4000000000005043

eftpos (MC) PAN:

2.1.0 : 52000000000055505200000000008080

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = R

Code Block

language	xml

<PAResStatus>R</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language

xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR/MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</ProcessorId>OrgUnit>
	<MerchantId><Signature>{{MERCHANTGENERATED_SIGNATURE_IDVALUE}}</MerchantId>Signature>
	<TransactionPwd><Timestamp>{{TRANSACTION_PASSWORDTIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml


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

Test Case 6: Authentication Not Available on Lookup

Scenario

Authentication not available on Lookup due to system error

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001059

2.2.0 : 4000000000002990

Mastercard PAN:

2.1.0 : 5200000000001054

2.2.0 : 5200000000002409

American Express PAN:

2.1.0 : 340000000001056

2.2.0 : 340000000002468

Discover (Diners Club) Club) PAN:

2.1.0 : 6011000000001051

JCB PAN:

2.1.0 : 3337000000006765

2.2.0 : 3338000000000940

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003055

2.2.0 : 4000000000004285

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003050

2.2.0 : 5200000000004090

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 60110000000010516505290000001150

JCB UnionPay PAN:

2.1.0 : 3337000000006765

2.2.0 : 3338000000000940

Cartes Bancaires 6200010000600050

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 40000000000030554632082100000138

Lookup Request (cmpi_lookup) → CardType = CBITMX

Cartes Bancaires ITMX (MC) PAN:

2.1.0 : 52000000000030505577550121000141

Lookup Request (cmpi_lookup) → CardType = CBELO ITMX

eftpos (Visa) PAN:

2.1.0 : 6505050000001059UnionPay 4000000000005050

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 62000100006000505200000000005600

Lookup Request (cmpi_lookup) → CardType = UPIITMX EFTPOS

mada (Visa) PAN:

2.12.0 : 4500010000002945eftpos (Visa4000000000008140

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 4000000000005050

eftpos (MC) PAN:

2.1.0 : 52000000000056005200000000008090

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml

<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml

<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

ReasonCode = 101

Code Block

language	xml

<ReasonCode>101</ReasonCode>

ReasonDesc = Invalid Formatted Message Invalid Formatted Message

Code Block

language	xml

<ReasonDesc>Invalid Formatted Message Invalid Formatted Message</ReasonDesc>

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

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

run in a Frictionless Authentication Experience scenario.

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language

xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language

xml

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

Visa PAN: SignatureVerification will not be returned due to Enrolled=U.

Test Case 7: Error on Lookup

Scenario

An Error occurred downstream while attempting Authentication processing

Authentication Experience

Frictionless

Test Values

Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001067

2.2.0 : 4000000000002446

Mastercard PAN:

2.1.0 : 5200000000001062

2.2.0 : 5200000000002037

American Express PAN:

2.1.0 : 340000000001064

2.2.0 : 340000000002732

Discover (Diners Club) PAN:

2.1.0 : 6011000000001069

JCB PAN:

2.1.0 : 40000000000010673337000000000016

2.2.0 : 4000000000002446Mastercard 3338000000000650

Cartes Bancaires (Visa) PAN:

2.1.0 : 52000000000010624000000000003063

2.2.0 : 5200000000002037American Express PAN:4000000000004194

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 3400000000010645200000000003068

2.2.0 : 3400000000027325200000000004058

Discover (Diners Club) Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 60110000000010696505290000001176

JCB UnionPay PAN:

2.1.0 : 33370000000000166200010000500060

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000153

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.0 : 3338000000000650Cartes Bancaires 1.0 : 5577550121000174

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 40000000000030634000000000005068

Lookup Request (cmpi_lookup) → CardType = CBEFTPOS

Cartes Bancaires eftpos (MC) PAN:

2.1.0 : 52000000000030685200000000005790

Lookup Request (cmpi_lookup) → CardType = CBELO EFTPOS

mada (Visa) PAN:

2.1.0 : 6505050000001067

UnionPay PAN:

2.1.0 : 62000100005000604000000000008170

Lookup Request (cmpi_lookup) → CardType = UPImada

ITMX PAN:

2.1.0 : 4500010000009247

eftpos (VisaNote: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 40000000000050685200000000008110

eftpos (MC) PAN:

2.1.0 : 5200000000005790Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml

<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

code

Code Block

language

xml

<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 1001

Code Block

language	xml

<ErrorNo>1001</ErrorNo>

ErrorDesc = Error Processing Message Request

Code Block

language	xml

<ErrorDesc>Error Processing Message Request</ErrorDesc>

For potential ErrorNo values and their corresponding ErrorDesc values, please refer to: /wiki/spaces/STAG/pages/856162638

Info

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

code

Code Block

language

xml


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

Test Case 8: Timeout on cmpi_lookup Transaction

Scenario

Timeout encountered while processing the cmpi_lookup message, resulting in an Error on the transaction

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001075

2.2.0 : 4000000000002354

Mastercard PAN:

2.1.0 : 5200000000001070

2.2.0 : 5200000000002326

American Express PAN:

2.1.0 : 340000000001072

2.2.0 : 340000000002047

Discover (Diners Club) PAN:

2.1.0 : 6011000000001077

JCB PAN:

2.1.0 : 3337000000000081

2.2.0 : 3338000000000577

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003071

2.2.0 : 4000000000004277

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003076

2.0 : 3338000000000577Cartes Bancaires (Visa2.0 : 5200000000004694

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001192

UnionPay PAN:

2.1.0 : 6200010000900070

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000187

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 40000000000030715577550121000182

Lookup Request (cmpi_lookup) → CardType = CBITMX

Cartes Bancaires eftpos (MCVisa) PAN:

2.1.0 : 52000000000030764000000000005076

Lookup Request (cmpi_lookup) → CardType = CBELO EFTPOS

eftpos (MC) PAN:

2.1.0 : 6505050000001075UnionPay 5200000000005840

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.12.0 : 62000100009000704000000000008200

Lookup Request (cmpi_lookup) → CardType = UPImada

ITMX PAN:

2.1.0 : 4500010000006425

eftpos (VisaNote: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 40000000000050765200000000008130

eftpos (MC) PAN:

2.1.0 : 5200000000005840Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml

<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml

<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 2860

Code Block

language	xml

<ErrorNo>2860</ErrorNo>

ErrorDesc = Error Processing Message Request with Directory Server

Code Block

language	xml

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

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

ReasonCode = 402

Code Block

language	xml

<ReasonCode>402</ReasonCode>

ReasonDesc = Transaction Timed Out

Code Block

language	xml

<ReasonDesc>Transaction Timed Out</ReasonDesc>

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

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = ERROR

ErrorNumber = 10002

ErrorDescription = Centinel API connection error on Start.

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<ProcessorId><OrgUnit>{{PROCESSORORG_UNIT_ID}}</ProcessorId>OrgUnit>
	<MerchantId><Signature>{{MERCHANTGENERATED_SIGNATURE_IDVALUE}}</MerchantId>Signature>
	<TransactionPwd><Timestamp>{{TRANSACTION_PASSWORDTIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml

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

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Scenario

Successful traditional Step Up (Challenge) authentication transaction

Authentication Experience

Challenge

Test Values

Visa

<SignatureVerification></SignatureVerification>
</CardinalMPI>

Challenge Test Cases

Standard & Hybrid

Test Case 9: Successful Step Up Authentication

Scenario

Successful traditional Step Up (Challenge) authentication transaction

Authentication Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001091

2.2.0 : 4000000000002503

Mastercard PAN:

2.1.0 : 5200000000001096

2.2.0 : 5200000000002151

American Express PAN:

2.1.0 : 340000000001098

2.2.0 : 340000000002534

Discover (Diners Club) PAN:

2.1.0 : 6011000000001093

JCB PAN:

2.1.0 : 3337000000200004

2.2.0 : 3338000000000569

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003139

2.2.0 : 4000000000004855

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 40000000000010915200000000003092

2.2.0 : 4000000000002503Mastercard 5200000000004074

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001234

UnionPay PAN:

2.1.0 : 52000000000010960 : 6200019999800019

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.21.0 : 5200000000002151American Express 4632082100000021

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 340000000001098: 5577550121000026

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.21.0 : 3400000000025344000000000005290

Discover (Diners Club) PAN: 6011000000001093

JCB Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 3337000000200004

2.2.0 : 3338000000000569

Cartes Bancaires (Visa) PAN: 4000000000003139

5200000000005311

Lookup Request (cmpi_lookup) → CardType = CBEFTPOS

Cartes Bancaires mada (MCVisa) PAN: 5200000000003092

2.2.0 : 4000000000008270

Lookup Request (cmpi_lookup) → CardType = CBmada

ELO PAN:

2.1.0 : 6505050000001091

UnionPay Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 62000199998000195200000000008160

Lookup Request (cmpi_lookup) → CardType = UPImada

ITMX PAN:

2.1.0 : 4500019999000133

eftpos (Visa) PAN:

2.1.0 : 4000000000005290

eftpos (MC) PAN:

2.1.0 : 5200000000005311

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

code

Code Block

language

xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>05</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise

API

On the Lookup Response, ACSUrl StepUpUrl will be returned

Code Block

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

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml

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

Sample Authenticate Request Message

Code Block

language

xml

<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{MERCHANTAPI_KEY_IDIDENTIFIER}}</MerchantId>Identifier>
	<ProcessorId><OrgUnit>{{PROCESSORORG_UNIT_ID}}</ProcessorId>OrgUnit>
	<TransactionId><Signature>{{TRANSACTION_IDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionId>Timestamp>
	<TransactionPwd><TransactionId>{{TRANSACTION_PASSWORDID}}</TransactionPwd>TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml


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

Visa PAN:

Test Case 10: Failed Step Up Authentication

Scenario

Traditional Step Up (Challenge) authentication transaction with failed cardholder challenge

Authentication Experience

Challenge

Test Values

Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001109

2.2.0 : 4000000000002370

Mastercard PAN:

2.1.0 : 5200000000001104

2.2.0 : 5200000000002490

American Express PAN:

2.1.0 : 340000000001106

2.2.0 : 340000000002237

Discover (Diners Club) PAN:

2.1.0 : 6011000000001101

JCB PAN:

2.1.0 : 40000000000011093337000000200087

2.2.0 : 4000000000002370Mastercard 3338000000000874

Cartes Bancaires (Visa) PAN:

2.1.0 : 52000000000011044000000000003097

2.2.0 : 5200000000002490American Express PAN:4000000000004293

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 3400000000011065200000000003100

2.2.0 : 3400000000022375200000000004041

Discover (Diners Club) Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 60110000000011016505290000001275

JCB UnionPay PAN:

2.1.0 : 33370000002000876200019999700029

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000039

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 3338000000000874Cartes Bancaires 5577550121000034

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 40000000000030974000000000005217

Lookup Request (cmpi_lookup) → CardType = CBEFTPOS

Cartes Bancaires eftpos (MC) PAN:

2.1.0 : 52000000000031005200000000005329

Lookup Request (cmpi_lookup) → CardType = CBELO EFTPOS

mada (Visa) PAN:

2.1.0 : 6505050000001109

UnionPay PAN:

2.1.0 : 62000199997000294000000000008280

Lookup Request (cmpi_lookup) → CardType = UPImada

ITMX PAN:

2.1.0 : 4500019999008763

eftpos (VisaNote: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 40000000000052175200000000008170

eftpos (MC) PAN:

2.1.0 : 5200000000005329Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

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

ChallengeCancel = 01

Code Block

language	xml

<ChallengeCancel>01</ChallengeCancel>

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</PAResStatus>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

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

- (Visa and MC)
- eftpos (Visa and MC)
- mada(Visa)
00
- Mastercard
- Cartes Bancaires (MC)
- mada(MC)

Integration Method Specific Expected Results

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language

xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language

xml

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

Sample Authenticate Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId>{{MERCHANT
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</MerchantId>OrgUnit>
	<ProcessorId><Signature>{{PROCESSORGENERATED_SIGNATURE_IDVALUE}}</ProcessorId>Signature>
	<TransactionId><Timestamp>{{TRANSACTION_IDTIMESTAMP}}</TransactionId>Timestamp>
	<TransactionPwd><TransactionId>{{TRANSACTION_PASSWORDID}}</TransactionPwd>TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml


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

Standard & Hybrid

Test Case 11: Step Up Authentication is Unavailable

Scenario

Step Up authentication is unavailable

Authentication Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001117

2.2.0 : 4000000000002420

Mastercard PAN:

2.1.0 : 5200000000001112

2.2.0 : 5200000000002664

American Express PAN:

2.1.0 : 340000000001114

2.2.0 : 340000000002484Discover (Diners Club)

Discover (Diners Club) PAN:

2.1.0 : 6011000000001119

JCB PAN:

2.1.0 : 3337000000200079

2.2.0 : 3338000000000981

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003105

2.2.0 : 4000000000004640

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003118

2.2.0 : 5200000000004124

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 60110000000011196505290000001283

JCB UnionPay PAN:

2.1.0 : 3337000000200079

2.2.0 : 3338000000000981

Cartes Bancaires 6200019999600039

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 40000000000031054632082100000047

Lookup Request (cmpi_lookup) → CardType = CBITMX

Cartes Bancaires ITMX (MC) PAN:

2.1.0 : 52000000000031185577550121000042

Lookup Request (cmpi_lookup) → CardType = CBELO ITMX

eftpos (Visa) PAN:

2.1.0 : 6505050000001117UnionPay 4000000000005225

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 62000199996000395200000000005337

Lookup Request (cmpi_lookup) → CardType = UPIITMX EFTPOS

mada (Visa) PAN:

2.12.0 : 4500019999008789eftpos (Visa4000000000008310

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 40000000000052255200000000008190

eftpos (MC) PAN:

2.1.0 : 5200000000005337Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block

language	xml

<PAResStatus>U</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise

API

On the Lookup Response, ACSUrl StepUpUrl will be returned

Code Block

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

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

Merchant can retry authentication or process authorization as merchant liability.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml


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

Sample Authenticate Request Message

Code Block

language

xml

<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<MerchantId><Identifier>{{MERCHANTAPI_KEY_IDIDENTIFIER}}</MerchantId>Identifier>
	<ProcessorId><OrgUnit>{{PROCESSORORG_UNIT_ID}}</ProcessorId>OrgUnit>
	<TransactionId><Signature>{{TRANSACTION_IDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionId>Timestamp>
	<TransactionPwd><TransactionId>{{TRANSACTION_PASSWORDID}}</TransactionPwd>TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml

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

Test Case 12: Error on Authentication

Scenario

A system Error occurred on while attempting to process the authentication request

Authentication Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001125

2.2.0 : 4000000000002644

Mastercard PAN:

2.1.0 : 5200000000001120

2.2.0 : 5200000000002656

American Express PAN:

2.1.0 : 340000000001122

2.2.0 : 340000000002351

Discover (Diners Club) PAN:

2.1.0 : 6011000000001127

JCB PAN:

2.1.0 : 40000000000011253337000000200046

2.2.0 : 4000000000002644Mastercard 3338000000000676

Cartes Bancaires (Visa) PAN:

2.1.0 : 52000000000011204000000000003113

2.2.0 : 5200000000002656American Express PAN:4000000000004913

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 3400000000011225200000000003126

2.2.0 : 3400000000023515200000000004611

Discover (Diners Club) Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 60110000000011276505290000001317

JCB UnionPay PAN:

2.1.0 : 33370000002000466200019999400059

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.21.0 : 3338000000000676Cartes Bancaires (Visa4632082100000062

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 40000000000031135577550121000067

Lookup Request (cmpi_lookup) → CardType = CBITMX

Cartes Bancaires eftpos (MCVisa) PAN:

2.1.0 : 52000000000031264000000000005241

Lookup Request (cmpi_lookup) → CardType = CBELO EFTPOS

eftpos (MC) PAN:

2.1.0 : 6505050000001125UnionPay 5200000000005352

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.12.0 : 62000199994000594000000000008340

Lookup Request (cmpi_lookup) → CardType = UPImada

ITMX PAN:

2.1.0 : 4500019999001073

eftpos (VisaNote: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.12.0 : 40000000000052415200000000008200

eftpos (MC) PAN:

2.1.0 : 5200000000005352Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block

language	xml

<PAResStatus>U</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 1050

Code Block

language	xml

<ErrorNo>1050</ErrorNo>

ErrorDesc = Error Processing PARes

Code Block

language	xml

<ErrorDesc>Error Processing PARes</ErrorDesc>

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

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

ActionCode = ERROR

ErrorNumber = 1050

ErrorDesc = Error Processing PARes

: Centinel Core Error Codes

Integration Method Specific Expected Results

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

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

Message

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml

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

Sample Authenticate Request Message

Code Block

language	xml


<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{MERCHANTAPI_KEY_IDIDENTIFIER}}</MerchantId>Identifier>
	<ProcessorId><OrgUnit>{{PROCESSORORG_UNIT_ID}}</ProcessorId>OrgUnit>
	<TransactionId><Signature>{{TRANSACTION_IDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionId>Timestamp>
	<TransactionPwd><TransactionId>{{TRANSACTION_PASSWORDID}}</TransactionPwd>TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Authenticate Response Message

Code Block

language	xml

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

Supplemental Test Cases

Test Case 13: Bypassed Authentication

Scenario

A decision has been made to bypass the issuer requested challenge for this transaction

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001083

2.2.0 : 4000000000002560

Mastercard PAN:

2.1.0 : 5200000000001088

2.2.0 : 5200000000002508

American Express PAN:

2.1.0 : 340000000001080

2.2.0 : 340000000002948

Discover (Diners Club) PAN:

2.1.0 : 6011000000001085

JCB PAN:

2.1.0 : 340000000001080

2.2.0 : 340000000002948

Discover (Diners Club.0 : 3337000000000537

2.2.0 : 3338000000000122

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003089

2.2.0 : 4000000000004400

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

2.1.0 : 5200000000003084

2.2.0 : 5200000000004991

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001226

UnionPay PAN:

2.1.0 : 6200010000800080

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 6011000000001085JCB 4632082100000211

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 33370000000005375577550121000190

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.21.0 : 3338000000000122Cartes Bancaires (Visa4000000000005084

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 40000000000030895200000000005980

Lookup Request (cmpi_lookup) → CardType = CBEFTPOS

Cartes Bancaires mada (MCVisa) PAN:

2.12.0 : 5200000000003084

Lookup Request (cmpi_lookup) → CardType = CB

ELO 4000000000008260

Lookup Request (cmpi_lookup) → CardType = mada

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

mada (MC) PAN:

2.1.0 : 6505050000001083

UnionPay PAN:

2.1.0 : 62000100008000805200000000008150

Lookup Request (cmpi_lookup) → CardType = UPImada

ITMX PAN:

2.1.0 : 4500010000002580

eftpos (Visa) PAN:

2.1.0 : 4000000000005084

eftpos (MC) PAN:

2.1.0 : 5200000000005980

Note: The Merchant’s Country must be set to 682 within the Merchant Profile, or the CountryCodeOverride field must be set to 682 on the Lookup Request.

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = B

Code Block

language	xml

<Enrolled>B</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml

<PAResStatus></PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ACSUrl = (value will not be provided)

code

Code Block

language

xml

<ACSUrl></ACSUrl>

Payload = (value will not be provided)

Code Block

language	xml

<Payload></Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

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

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language

xml

<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId><Algorithm>SHA-512</Algorithm>
	<Identifier>{{PROCESSORAPI_KEY_IDIDENTIFIER}}</ProcessorId>Identifier>
	<MerchantId><OrgUnit>{{MERCHANTORG_UNIT_ID}}</MerchantId>OrgUnit>
	<TransactionPwd><Signature>{{TRANSACTION_PASSWORDGENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</TransactionPwd>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 Lookup Response Message

Code Block

language	xml

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

Test Case 14: MethodURL Implementation Check

Scenario

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

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

9 Digit

BIN/PAN Requirement
The BIN

provided must be at least 9 digits long

provided must not exceed 8 digits unless a merchant uses Data Exchange API in which case a full PAN needs to be passed.
7 second wait
There will be a seven second delay between the DDC request and response. The cmpi_lookup should only be invoked after the DDC response.

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

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

Authentication Experience

N/A

Test Values

Visa PAN: 4000100000000000

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

05
- Visa

ACSUrl = (value will not be provided)

Code Block

language	xml

<ACSUrl></ACSUrl>

Payload = (value will not be provided)

Code Block

language	xml

<Payload></Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Warning = ErrorMessage1; ErrorMessage2; ...

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

<CardinalMPI>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<Amount>690</Amount>
	<BillingAddress1>1600 Pennsylvania Blvd.</BillingAddress1>
	<BillingAddress2/>
	<BillingCity>Washington</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>MÓNICA</BillingFirstName>
	<BillingLastName>FRANÇOIS</BillingLastName>
	<BillingMiddleName>S</BillingMiddleName>
	<BillingPhone>555-8675-309</BillingPhone>
	<BillingPostalCode>10123</BillingPostalCode>
	<BillingState>DC</BillingState>
	<BrowserColorDepth>32</BrowserColorDepth>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,</BrowserHeader>
	<BrowserJavaEnabled>true</BrowserJavaEnabled>
	<BrowserLanguage>English</BrowserLanguage>
	<BrowserScreenHeight>980</BrowserScreenHeight>
	<BrowserScreenWidth>1080</BrowserScreenWidth>
	<BrowserTimeZone>-100</BrowserTimeZone>
	<CardExpMonth>01</CardExpMonth>
	<CardExpYear>2023</CardExpYear>
	<PAN>4000100000000000</PAN><CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CategoryCode>0123</CategoryCode>
	<CurrencyCode>840</CurrencyCode>
	<DeviceChannel>browser</DeviceChannel>
	<IPAddress>127.0.0.1</IPAddress>
	<Item_Desc_1>Apple iPod</Item_Desc_1>
	<Item_Name_1>1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30</Item_Name_1>
	<Item_Price_1>10000</Item_Price_1>
	<Item_Quantity_1>1</Item_Quantity_1>
	<Item_SKU_1>8675309</Item_SKU_1>
	<MerchantId>{{Your Merchant ID}}</MerchantId>
	<MessageCategory>01</MessageCategory>
	<MsgType>cmpi_lookup</MsgType>
	<OrderNumber>Visa Frictionless Y - CMPI_Lookup-82</OrderNumber>
	<ProcessorId>100</ProcessorId>
	<ShippingAddress1>1600 Pennsylvania Blvd.</ShippingAddress1>
	<ShippingAddress2/>
	<ShippingCity>Washington</ShippingCity>
	<ShippingCountryCode>US</ShippingCountryCode>
	<ShippingFirstName>William</ShippingFirstName>
	<ShippingLastName/>
	<ShippingPhone>555-123-4568</ShippingPhone>
	<ShippingPostalCode>10123</ShippingPostalCode>
	<ShippingState>DC</ShippingState>
	<TransactionPwd>{{YourPassword}}</TransactionPwd>	<ShippingState>DC</ShippingState>
	<TransactionType>C</TransactionType>
	<UserAgent>Jakarta Commons-HttpClient/3.1</UserAgent>
	<Version>1.7</Version>
	<ThreeDSVersion>2.2.0</ThreeDSVersion>
	<DFReferenceId>{{Reference ID from DF process}}</DFReferenceId>
</CardinalMPI>

Sample Failure Response

Code Block

language	xml

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

Sample Successful Response

Code Block

language	xml

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

Test Case Matrix

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

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

Page Comparison

Versions Compared

Old Version 107

New Version Current

Key

Important test notes:

Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 2: Failed Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 3: Attempts Stand-In Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 4: Unavailable Frictionless Authentication from the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 5: Rejected Frictionless Authentication by the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 6: Authentication Not Available on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 7: Error on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 8: Timeout on cmpi_lookup Transaction

Sample Messages

Sample Lookup Request Message

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 10: Failed Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 11: Step Up Authentication is Unavailable

Sample Messages

Sample Lookup Request Message

Test Case 12: Error on Authentication

Sample Messages

Sample Lookup Request Message

Supplemental Test Cases

Test Case 13: Bypassed Authentication

Sample Messages

Sample Lookup Request Message

Test Case 14: MethodURL Implementation Check

Sample Messages

Sample Lookup Request Message

Test Case Matrix