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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

The expiration year used in the Test Value should reflect

Important test notes:

  • For the expiration year field CardExpYear, use the current year +3

. 

For Example: If the current year is 2020, the Expiration Date Test Value would be 01/2023.

Note

SignatureVerification should always equal Y on the Lookup Response message. If this is ever observed as another value, please reach our to your account representative or Cardinal Support.

NOTE: one exception to this would be in Enrolled=U test scenarios. SignatureVerification will not be returned.

Info

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

Table of ContentsmaxLevel2

  • (for example, when testing in 2023, you’d use 2026).

  • Test PANs will not necessarily match the production card range for their respective card networks. As such, test PANs should not be used to determine the range of (or to create validation rules for) production cards. If you do have validation rules in place, trustlists can be used to allow or identify test PANs on an individual basis.

Table of Contents

Table of Contents
minLevel1
maxLevel7
excludeImportant test notes:

Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication

Scenario 

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

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001000

2.2.0 : 4000000000002701

Mastercard PAN:

2.1.0 : 5200000000001005

2.2.0 : 5200000000002235

American Express PAN:

2.1.0 : 340000000001007

2.2.0 : 340000000002708

Discover (Diners Club) PAN:

2.1.0 : 6011000000001002

JCB

J/Secure PAN

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

: 5200000000003001

: 

2.1.0 : 5200000000003001

2.2.0 : 5200000000004801

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6505050000001000UnionPay PAN:

2.1.0 : 6505290000001002

UnionPay PAN:

2.1.0 : 6200010000200000

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response

ITMX (Visa) PAN:

2.1.0 : 4632082100000005

Lookup Request (cmpi_lookup)

Enrolled

→ CardType =

Y
Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block
languagexml
<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

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

EciFlag = <ECI Value>

Code Block
languagexml
<EciFlag>05</EciFlag>

Expected ECI Values grouped by Network:

  • 05

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

  • 02

    • Mastercard

    • Cartes Bancaires (MC)

ErrorNo = 0

ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000000

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005126

Lookup Request (cmpi_lookup) → CardType = EFTPOS

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
languagexml
<ErrorNo>0<
<Enrolled>Y</
ErrorNo>
Enrolled>
ErrorDesc = (value will not be provided)

PAResStatus = Y

Code Block
languagexml
<ErrorDesc><
<PAResStatus>Y</
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
PAResStatus>

XID = <XID Value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

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

EciFlag = <ECI Value>

Code Block
languagexml
<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
languagexml
<CardinalMPI> <MsgType>cmpi_lookup</MsgType> <ProcessorId>{{PROCESSOR_ID}}</ProcessorId> <MerchantId>{{MERCHANT_ID}}</MerchantId> <TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd> <OrderNumber>{{ORDER_
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
    <MsgType>cmpi_lookup</MsgType>
    <Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
    <BillingAddress2 />
    <BillingCity>Mentor</BillingCity>
    <BillingCountryCode>US</BillingCountryCode>
    <BillingFirstName>Chris</BillingFirstName>
    <BillingLastName>Brown</BillingLastName>
    <BillingPostalCode>K44060</BillingPostalCode>
    <BillingState>OH</BillingState>
    <UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
    <DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
    <BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
    <BrowserJavaEnabled>True</BrowserJavaEnabled>
    <BrowserLanguage>en-US</BrowserLanguage>
    <BrowserColorDepth>24</BrowserColorDepth>
    <BrowserScreenHeight>864</BrowserScreenHeight>
    <BrowserScreenWidth>1536</BrowserScreenWidth>
    <BrowserTimeZone>300</BrowserTimeZone>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

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

Test Case 2: Failed Frictionless Authentication

Scenario 

Authentication Failed by Card Issuer without Challenge

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001018

2.2.0 : 4000000000002925

Mastercard PAN:

2.1.0 : 5200000000001013

2.2.0 : 5200000000002276

American Express PAN:

2.1.0 : 340000000001015

2.2.0 : 340000000002096

Discover (Diners Club) PAN:

2.1.0 : 6011000000001010

JCB

J/Secure

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

: 5200000000003019

: 

2.1.0 : 5200000000003019

2.2.0 : 5200000000004538

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6505050000001018

CAVV = (value will not be provided)

2.1.0 : 6505290000001010

UnionPay PAN:

2.1.0 : 6200010000100010

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block
languagexml
<PAResStatus>N</PAResStatus>

XID = <XID Value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

ITMX (Visa) PAN:

2.1.0 : 4632082100000013

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000018

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005019

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005220

Lookup Request (cmpi_lookup) → CardType = EFTPOS

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:

2.2.0 : 5200000000008010

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
languagexml
<Cavv><
<Enrolled>Y</
Cavv>
Enrolled>
EciFlag

PAResStatus =

 <ECI Value>

N

Code Block
languagexml
<EciFlag>07<
<PAResStatus>N</
EciFlag>
PAResStatus>

XID = <XID Value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block
languagexml
<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
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
<ProcessorId>
<Algorithm>SHA-512</Algorithm>
	<Identifier>{{
PROCESSOR
API_KEY_
ID
IDENTIFIER}}</
ProcessorId>
Identifier>
<MerchantId>
<OrgUnit>{{
MERCHANT
ORG_UNIT_ID}}</
MerchantId>
OrgUnit>
<TransactionPwd>
<Signature>{{
TRANSACTION_PASSWORD
GENERATED_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
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>MKj9MEz6vuRXcCbeq4j0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<CardHolderInfo>Note: Additional authentication is required by the issuing bank for this transaction, please contact
	Anybank at 123-456-7890.</CardHolderInfo>
	<Cavv></Cavv>
	<PAResStatus>N</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>7c7ee103-5ce2-4328-b515-8ef356312acd</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>b993205f-c095-4bee-bb41-70bf876c0cbd</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<StatusReason>01</StatusReason>
	<DSTransactionId>24f24680-1846-4b1f-8f70-38dd09381404</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8000217687527054</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 3: Attempts Stand-In Frictionless Authentication

Scenario 

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

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001026

2.2.0 : 4000000000002719

Mastercard PAN:

2.1.0 : 5200000000001021

2.2.0 : 5200000000002482

American Express PAN:

2.1.0 : 340000000001023

2.2.0 : 340000000002872

Discover (Diners Club) PAN:

2.1.0 : 6011000000001028

JCB

J/Secure

PAN:

2.1.0 : 3337000000007045

2.2.0 : 3338000000000585

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003022

2.2.0 : 4000000000004111

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN:

 5200000000003027

 

2.1.0 : 5200000000003027

2.2.0 : 5200000000004587

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

6505050000001026

2.1.0 : 6505290000001069

UnionPay PAN: 6200010000000020

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response

Merchant Action

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 = ITMX

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
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = A

Code Block
languagexml
<PAResStatus>A</PAResStatus>

XID = <XID value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

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

EciFlag = <ECI Value>

Code Block
languagexml
<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
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
<ProcessorId>
<Algorithm>SHA-512</Algorithm>
	<Identifier>{{
PROCESSOR
API_KEY_
ID
IDENTIFIER}}</
ProcessorId>
Identifier>
<MerchantId>
<OrgUnit>{{
MERCHANT
ORG_UNIT_ID}}</
MerchantId>
OrgUnit>
<TransactionPwd>
<Signature>{{
TRANSACTION_PASSWORD
GENERATED_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
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>NOlVleqZubTNJHnQ6lg0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
	<PAResStatus>A</PAResStatus>
	<Enrolled>Y</Enrolled>
	<ACSTransactionId>f95b38c2-4c5f-4a4c-a6af-8a97e41bb360</ACSTransactionId>
	<EciFlag>06</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>3a48e4a6-61be-4761-b5d2-1a76d16b19c9</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<Amount>12367</Amount>
	<DSTransactionId>99198f55-7d27-4717-b23e-2629bf20961b</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<CurrencyCode>840</CurrencyCode>
	<OrderId>8010084896888224</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification>Y</SignatureVerification>
</CardinalMPI>

Test Case 4: Unavailable Frictionless Authentication from the Issuer

Scenario 

Authentication is Unavailable at the current time

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001034

2.2.0 : 4000000000002313

Mastercard PAN:

2.1.0 : 5200000000001039

2.2.0 : 5200000000002268

American Express PAN:

2.1.0 : 340000000001031

2.2.0 : 340000000002922

Discover (Diners Club) PAN:

2.1.0 : 6011000000001036

JCB

J/Secure PAN

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:

 5200000000003035Lookup Request (

 

2.1.0 : 5200000000003035

2.2.0 : 5200000000004306

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6505050000001034

:

2.1.0 : 6505290000001085

UnionPay PAN:

2.1.0 : 6200010000400030

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response

ITMX (Visa) PAN:

2.1.0 : 4632082100000096

Lookup Request (cmpi_lookup)

Enrolled

→ CardType =

Y
Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block
languagexml
<PAResStatus>U</PAResStatus>

XID = <XID value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block
languagexml
<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)

ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000091

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005035

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005410

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008100

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 : 5200000000008050

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
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block
languagexml
<ErrorDesc><
<PAResStatus>U</
ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchants can attempt to retry authentication or proceed with authorization

Sample Messages

Sample Lookup Request Message
PAResStatus>

XID = <XID value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block
languagexml
<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
languagexml
<CardinalMPI> <MsgType>cmpi_lookup</MsgType> <ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Additional Information

Merchant Action

Merchants can attempt to retry authentication or proceed with authorization

Sample Messages

Sample Lookup Request Message

Code Block
languagexml
<CardinalMPI>
<MerchantId>{{MERCHANT_ID}}</MerchantId>
<MsgType>cmpi_lookup</MsgType>
<TransactionPwd>
<Algorithm>SHA-512</Algorithm>
	<Identifier>{{
TRANSACTION
API_KEY_
PASSWORD
IDENTIFIER}}</
TransactionPwd> <OrderNumber>{{ORDER_NUMBER
Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</
OrderNumber> <CardNumber>{{
OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
    <OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
    <CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
    <CardExpMonth>06</CardExpMonth>
    <CardExpYear>2022</CardExpYear>
    <AcquirerId>428448</AcquirerId>
    <AcquirerMerchantId>980020230994</AcquirerMerchantId>
    <ACSWindowSize>05</ACSWindowSize>
    <BillingAddress1>8100 Tyler Blvd</BillingAddress1>
    <BillingAddress2 />
    <BillingCity>Mentor</BillingCity>
    <BillingCountryCode>US</BillingCountryCode>
    <BillingFirstName>Chris</BillingFirstName>
    <BillingLastName>Brown</BillingLastName>
    <BillingPostalCode>K44060</BillingPostalCode>
    <BillingState>OH</BillingState>
    <UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
    <DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
    <BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
    <BrowserJavaEnabled>True</BrowserJavaEnabled>
    <BrowserLanguage>en-US</BrowserLanguage>
    <BrowserColorDepth>24</BrowserColorDepth>
    <BrowserScreenHeight>864</BrowserScreenHeight>
    <BrowserScreenWidth>1536</BrowserScreenWidth>
    <BrowserTimeZone>300</BrowserTimeZone>
    <CategoryCode>5999</CategoryCode>
    <CurrencyCode>USD</CurrencyCode>
    <Amount>12367</Amount>
    <DeviceChannel>Browser</DeviceChannel>
    <Email>support@cardinalcommerce.com</Email>
    <IPAddress>1.12.123.255</IPAddress>
    <TransactionMode>S</TransactionMode>
    <TransactionType>C</TransactionType>
    <Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

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

Test Case 5: Rejected Frictionless Authentication by the Issuer

Scenario 

Rejected authentication by the issuer not requiring a challenge

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001042

2.2.0 : 4000000000002537

Mastercard PAN:

2.1.0 : 5200000000001047

2.2.0 : 5200000000002185

American Express PAN:

2.1.0 : 340000000001049

2.2.0 : 340000000002062

Discover (Diners Club) PAN:

2.1.0 : 6011000000001044

JCB

J/Secure

PAN:

2.1.0 : 3337000000000321

2.2.0 : 3338000000000734

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003048

2.2.0 : 4000000000004517

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN

: 5200000000003043

: 

2.1.0 : 5200000000003043

2.2.0 : 5200000000004405

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6505050000001042

:

2.1.0 : 6505290000001143

UnionPay PAN:

2.1.0 : 6200010000300040

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response

ITMX (Visa) PAN:

2.1.0 : 4632082100000120

Lookup Request (cmpi_lookup)

Enrolled

→ CardType =

Y
Code Block
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = R

Code Block
languagexml
<PAResStatus>R</PAResStatus>

XID = <XID Value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block
languagexml
<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

ErrorNo = 0

Code Block
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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
languagexml
<CardinalMPI> <MsgType>cmpi_lookup</MsgType> <ProcessorId>{{PROCESSOR_ID}}</ProcessorId> <MerchantId>{{MERCHANT_ID}}</MerchantId> <TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd> <OrderNumber>{{ORDER_NUMBER}}</

ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000125

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005043

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005550

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008130

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 : 5200000000008080

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
languagexml
<Enrolled>Y</Enrolled>

PAResStatus = R

Code Block
languagexml
<PAResStatus>R</PAResStatus>

XID = <XID Value>

Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
Info

The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block
languagexml
<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
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

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
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>

Sample Lookup Response Message

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

Test Case 6: Authentication Not Available on Lookup

Scenario 

Authentication not available on Lookup due to system error

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001059

2.2.0 : 4000000000002990

Mastercard PAN:

2.1.0 : 5200000000001054

2.2.0 : 5200000000002409

American Express PAN:

2.1.0 : 340000000001056

2.2.0 : 340000000002468

Discover (Diners Club) PAN:

2.1.0 : 6011000000001051

JCB

J/Secure PAN

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

: 5200000000003050

: 

2.1.0 : 5200000000003050

2.2.0 : 5200000000004090

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN

: 6505050000001059

:

2.1.0 : 6505290000001150

UnionPay PAN:

2.1.0 : 6200010000600050

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response

ITMX (Visa) PAN:

2.1.0 : 4632082100000138

Lookup Request (cmpi_lookup)

Enrolled

→ CardType =

U
Code Block
languagexml
<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block
languagexml
<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block
languagexml
<Xid></Xid>

CAVV = (value will not be provided)

ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000141

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005050

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005600

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008140

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 : 5200000000008090

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
languagexml
<Cavv><
<Enrolled>U</
Cavv>
Enrolled>
EciFlag = <ECI Value>

PAResStatus = (value will not be provided)

Code Block
languagexml
<EciFlag>07<
<PAResStatus></
EciFlag>

Expected ECI Values grouped by Network:

PAResStatus>

XID = (value will not be provided)

Code Block
languagexml
<Xid></Xid>

CAVV = (value will not be provided)

Code Block
languagexml
<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block
languagexml
<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
languagexml
<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block
languagexml
<ErrorDesc></ErrorDesc>

ReasonCode = 101

Code Block
languagexml
<ReasonCode>101</ReasonCode>

ReasonDesc = Invalid Formatted Message Invalid Formatted Message

Code Block
languagexml
<ReasonDesc>Invalid Formatted Message Invalid Formatted Message</ReasonDesc>
InfoSignatureVerification will not be returned due to Enrolled=U.
Expected Results - Authentication (cmpi_authenticate response)
cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.
Integration Method Specific Expected Results
Cardinal Cruise Standard & Hybrid
ActionCode = NOACTION
ErrorNumber = 0
ErrorDescription = Success
Cardinal Cruise API
N/A
Additional Information
Merchant Action
Merchant should proceed with the authorization message.
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	
<ProcessorId>
<Algorithm>SHA-512</Algorithm>
	<Identifier>{{
PROCESSOR
API_KEY_
ID
IDENTIFIER}}</
ProcessorId>
Identifier>
	
<MerchantId>
<OrgUnit>{{
MERCHANT
ORG_UNIT_ID}}</
MerchantId>
OrgUnit>
	
<TransactionPwd>
<Signature>{{
TRANSACTION_PASSWORD
GENERATED_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
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>Z3RjdNid3DFPYHrbMPD0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>U</Enrolled>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>23d58d8b-acd7-498b-aafd-a1ff4d64052e</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<ReasonDesc>Invalid Formatted Message Invalid Formatted Message</ReasonDesc>
	<CardBrand>VISA</CardBrand>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<ReasonCode>101</ReasonCode>
	<OrderId>8010924949967287</OrderId>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>
Test Case 7: Error on Lookup
Scenario 
An Error occurred downstream while attempting Authentication processing
Authentication Experience
Frictionless
Test Values
Visa PAN: 
2.1.0 : 4000000000001067
2.2.0 : 4000000000002446
Mastercard PAN:
2.1.0 : 5200000000001062
2.2.0 : 5200000000002037
American Express PAN:
2.1.0 : 340000000001064
2.2.0 : 340000000002732
Discover (Diners Club) PAN:
2.1.0 : 6011000000001069
JCB 
 J/Secure PAN
PAN:
2.1.0 : 3337000000000016
2.2.0 : 3338000000000650
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003063
2.2.0 : 4000000000004194
Lookup Request (cmpi_lookup) → CardType = CB
Cartes Bancaires (MC) PAN
: 5200000000003068
: 
2.1.0 : 5200000000003068
2.2.0 : 5200000000004058
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN:
6505050000001067CAVV = (value will not be provided)
2.1.0 : 6505290000001176
UnionPay PAN:
2.1.0 : 6200010000500060
Lookup Request (cmpi_lookup) → CardType = UPI
Expected Results - Lookup Response (cmpi_lookup)
Enrolled = U
 Code Block
languagexml
<Enrolled>U</Enrolled>
PAResStatus = (value will not be provided)
 Code Block
languagexml
<PAResStatus></PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
ITMX (Visa) PAN: 
2.1.0 : 4632082100000153
Lookup Request (cmpi_lookup) → CardType = ITMX
ITMX (MC) PAN: 
2.1.0 : 5577550121000174
Lookup Request (cmpi_lookup) → CardType = ITMX
eftpos (Visa) PAN:
2.1.0 : 4000000000005068
Lookup Request (cmpi_lookup) → CardType = EFTPOS
eftpos (MC) PAN:
2.1.0 : 5200000000005790
Lookup Request (cmpi_lookup) → CardType = EFTPOS
mada (Visa) PAN:
2.2.0 : 4000000000008170
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 : 5200000000008110
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
languagexml
<Cavv><
<Enrolled>U</
Cavv>
Enrolled>
EciFlag = <ECI Value>
PAResStatus = (value will not be provided)
 Code Block
languagexml
<EciFlag>07<
<PAResStatus></
EciFlag>
PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<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
languagexml
<ErrorNo>1001</ErrorNo>
ErrorDesc = Error Processing Message Request
 Code Block
languagexml
<ErrorDesc>Error Processing Message Request</ErrorDesc>
For potential ErrorNo values and their corresponding ErrorDesc values, please refer to: 
 Centinel Core Error Codes  InfoSignatureVerification will not be returned due to Enrolled=U.
​/wiki/spaces/STAG/pages/856162638 ​
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
Additional Information
Merchant Action
Merchant should proceed with the authorization message.
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	
<ProcessorId>
<Identifier>{{
PROCESSOR
API_KEY_
ID
IDENTIFIER}}</
ProcessorId>
Identifier>
	
<MerchantId>
<OrgUnit>{{
MERCHANT
ORG_UNIT_ID}}</
MerchantId>
OrgUnit>
	
<TransactionPwd>
<Signature>{{
TRANSACTION_PASSWORD
GENERATED_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
languagexml
<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 
 J/Secure 
 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:
 5200000000003076
 
2.1.0 : 5200000000003076
2.2.0 : 5200000000004694
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN
: 6505050000001075
:
2.1.0 : 6505290000001192
UnionPay PAN:
2.1.0 : 6200010000900070
Lookup Request (cmpi_lookup) → CardType = UPI
Expected Results - Lookup Response 
ITMX (Visa) PAN: 
2.1.0 : 4632082100000187
Lookup Request (cmpi_lookup) 
Enrolled 
→ CardType = 
 U
 Code Block
languagexml
<Enrolled>U</Enrolled>
PAResStatus = (value will not be provided)
 Code Block
languagexml
<PAResStatus></PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ErrorNo =2860
ITMX
ITMX (MC) PAN: 
2.1.0 : 5577550121000182
Lookup Request (cmpi_lookup) → CardType = ITMX
eftpos (Visa) PAN:
2.1.0 : 4000000000005076
Lookup Request (cmpi_lookup) → CardType = EFTPOS
eftpos (MC) PAN:
2.1.0 : 5200000000005840
Lookup Request (cmpi_lookup) → CardType = EFTPOS
mada (Visa) PAN:
2.2.0 : 4000000000008200
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 : 5200000000008130
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
languagexml
<ErrorNo>2860<
<Enrolled>U</
ErrorNo>
Enrolled>
ErrorDesc = Error Processing Message Request with Directory Server
PAResStatus = (value will not be provided)
 Code Block
languagexml
<ErrorDesc>Error Processing Message Request with Directory Server</ErrorDesc>
Two additional fields will be returned on the Lookup Response identifying this scenario.
ReasonCode = 402
<PAResStatus></PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<ReasonCode>402<
<Xid></
ReasonCode>
Xid>
ReasonDesc = Transaction Timed Out
CAVV = (value will not be provided)
 Code Block
languagexml
<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
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<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
languagexml
<ErrorNo>2860</ErrorNo>
ErrorDesc = Error Processing Message Request with Directory Server
 Code Block
languagexml
<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
languagexml
<ReasonCode>402</ReasonCode>
ReasonDesc = Transaction Timed Out
 Code Block
languagexml
<ReasonDesc>Transaction Timed Out</ReasonDesc>
Expected Results - Authentication (cmpi_authenticate response)
cmpi_authenticate message not expected to be 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
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<CardinalMPI>
	<ErrorNo>2860</ErrorNo>
	<TransactionId>QQHVkDZa4GPYRNL3rji0</TransactionId>
	<Payload></Payload>
	<ErrorDesc>Error Processing Message Request with Directory Server</ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>U</Enrolled>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>3d37b277-30df-4e34-af20-219930c9648b</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<ReasonDesc>Transaction Timed Out</ReasonDesc>
	<CardBrand>VISA</CardBrand>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<ReasonCode>402</ReasonCode>
	<OrderId>8000008528440064</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>
Challenge Test Cases
Test Case 9: Successful Step Up Authentication
Scenario 
Successful traditional Step Up (Challenge) authentication transaction
Authentication Experience
Challenge
Test Values
Visa PAN: 
2.1.0 : 4000000000001091
2.2.0 : 4000000000002503
Mastercard PAN:
2.1.0 : 5200000000001096
2.2.0 : 5200000000002151
American Express PAN:
2.1.0 : 340000000001098
2.2.0 : 340000000002534
Discover (Diners Club) PAN: 
6011000000001093
JCB J/Secure PAN: 3337000000200004
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
: 5200000000003092
: 
2.1.0 : 5200000000003092
2.2.0 : 5200000000004074
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN:
6505050000001091
2.1.0 : 6505290000001234
UnionPay PAN:
2.1.0 : 6200019999800019
Lookup Request (cmpi_lookup) → CardType = UPI
Expected Results - Lookup Response 
ITMX (Visa) PAN: 
2.1.0 : 4632082100000021
Lookup Request (cmpi_lookup) 
Enrolled 
→ CardType = 
 Y
 Code Block
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = C
 Code Block
languagexml
<PAResStatus>C</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = 07
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
Payload = <Payload Value>
ITMX
ITMX (MC) PAN: 
2.1.0 : 5577550121000026
Lookup Request (cmpi_lookup) → CardType = ITMX
eftpos (Visa) PAN:
2.1.0 : 4000000000005290
Lookup Request (cmpi_lookup) → CardType = EFTPOS
eftpos (MC) PAN:
2.1.0 : 5200000000005311
Lookup Request (cmpi_lookup) → CardType = EFTPOS
mada (Visa) PAN:
2.2.0 : 4000000000008270
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 : 5200000000008160
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
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0<
<Enrolled>Y</
Payload>
Enrolled>
ErrorNo 
PAResStatus = 
 0
 C
 Code Block
languagexml
<ErrorNo>0<
<PAResStatus>C</
ErrorNo>
PAResStatus>
ErrorDesc = (value will not be provided)
XID = <XID Value>
 Code Block
languagexml
<ErrorDesc><
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</
ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
PAResStatus = Y
Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<PAResStatus>Y</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = <CAVV Value>
 Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=<
<Cavv></Cavv>
EciFlag =
 <ECI Value>
 07
 Code Block
languagexml
<EciFlag>05<
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
05
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
02
    • ITMX (Visa and MC)
    • eftpos (Visa and MC)
    • mada(Visa)
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
    • mada(MC)
Payload = <Payload Value>
 Code Block
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Integration Method Specific 
Expected Results 
Cardinal Cruise Standard & Hybrid
On the Lookup Response, ACSUrl will be returned
ActionCode = SUCCESS
ErrorNumber = 0
ErrorDescription = Success
Cardinal Cruise API
On the Lookup Response, StepUpUrl will be returned
- Authentication (cmpi_authenticate response)
PAResStatus = Y
 Code Block
languagexml
<ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl>
<PAResStatus>Y</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = <CAVV Value>
 Code Block
languagexml
<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>
Additional Information
Merchant Action
Merchant should append the Cavv and EciFlag values to the authorization message.
Sample Messages
Sample Lookup Request Message
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	
<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
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Integration Method Specific Expected Results
Cardinal Cruise API
On the Lookup Response, StepUpUrl will be returned
 Code Block
languagexml
<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>
Additional Information
Merchant Action
Merchant should append the Cavv and EciFlag values to the authorization message.
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>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
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	
<MerchantId>
<Identifier>{{
MERCHANT
API_KEY_
ID
IDENTIFIER}}</
MerchantId>
Identifier>
	
<ProcessorId>
<OrgUnit>{{
PROCESSOR
ORG_UNIT_ID}}</
ProcessorId>
OrgUnit>
	
<TransactionId>
<Signature>{{
TRANSACTION_ID
GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</
TransactionId>
Timestamp>
	
<TransactionPwd>
<TransactionId>{{TRANSACTION_
PASSWORD
ID}}</
TransactionPwd>
TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Authenticate Response Message
 Code Block
languagexml
<CardinalMPI>
    <CardBin>400000</CardBin>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>c5045efa-1d2c-411f-a605-687bfd1460dd</ThreeDSServerTransactionId>
    <Cavv>MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=</Cavv>
    <Amount>12367</Amount>
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>05</EciFlag>
    <TransactionId>ADF7ZctbyCVa0xKcivw0</TransactionId>
    <CurrencyCode>840</CurrencyCode>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>Y</PAResStatus>
</CardinalMPI>
Test Case 10: Failed Step Up Authentication
Scenario 
Traditional Step Up (Challenge) authentication transaction with failed cardholder challenge
Authentication Experience
Challenge
Test Values
Visa PAN: 
2.1.0 : 4000000000001109
2.2.0 : 4000000000002370
Mastercard PAN:
2.1.0 : 5200000000001104
2.2.0 : 5200000000002490
American Express PAN:
2.1.0 : 340000000001106
2.2.0 : 340000000002237
Discover (Diners Club) PAN:
2.1.0 : 6011000000001101
JCB 
 J/Secure 
 PAN:
2.1.0 : 3337000000200087
2.2.0 : 3338000000000874
Cartes Bancaires (Visa) PAN:
4000000000003097Lookup Request 
2.1.0 : 4000000000003097
2.2.0 : 4000000000004293
Lookup Request (cmpi_lookup) → CardType = CB
Cartes Bancaires (MC) PAN
: 5200000000003100
: 
2.1.0 : 5200000000003100
2.2.0 : 5200000000004041
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN:
6505050000001109
2.1.0 : 6505290000001275
UnionPay PAN:
2.1.0 : 6200019999700029
Lookup Request (cmpi_lookup) → CardType = UPI
Expected Results - Lookup Response 
ITMX (Visa) PAN: 
2.1.0 : 4632082100000039
Lookup Request (cmpi_lookup) 
Enrolled 
→ CardType = 
 Y
 Code Block
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = C
 Code Block
languagexml
<PAResStatus>C</PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = 07
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
Payload = <Payload Value>
 Code Block
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
PAResStatus = N
ITMX
ITMX (MC) PAN: 
2.1.0 : 5577550121000034
Lookup Request (cmpi_lookup) → CardType = ITMX
eftpos (Visa) PAN:
2.1.0 : 4000000000005217
Lookup Request (cmpi_lookup) → CardType = EFTPOS
eftpos (MC) PAN:
2.1.0 : 5200000000005329
Lookup Request (cmpi_lookup) → CardType = EFTPOS
mada (Visa) PAN:
2.2.0 : 4000000000008280
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 : 5200000000008170
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
languagexml
<PAResStatus>N<
<Enrolled>Y</
PAResStatus>
Enrolled>
XID 
PAResStatus = 
 <XID Value>
 C
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV 
<PAResStatus>C</PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Cavv><
<Xid></
Cavv>EciFlag = <ECI Value>
Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = 07
 Code Block
languagexml
<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
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Integration Method Specific 
Expected Results 
Cardinal Cruise Standard & Hybrid
On the Lookup Response, ACSUrl will be returnedOn the Lookup Response, StepUpUrl will be returned
- Authentication (cmpi_authenticate response)
PAResStatus = N
 Code Block
languagexml
<ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl>
ActionCode = FAILURE
ErrorNumber = 0
ErrorDescription = Success
Cardinal Cruise API
<PAResStatus>N</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = (value will not be provided)
 Code Block
languagexml
<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
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<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
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<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
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<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
languagexml
<ChallengeCancel>01</ChallengeCancel>
PAResStatus = N
 Code Block
languagexml
<PAResStatus>N</PAResStatus>
EciFlag = <ECI Value>
 Code Block
languagexml
<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)
Integration Method Specific Expected Results
Cardinal Cruise API
On the Lookup Response, StepUpUrl will be returned
 Code Block
languagexml
<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>
Additional Information
Merchant Action
Merchant should 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
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample 
 Authenticate 
Lookup Response Message
 Code Block
languagexml
<CardinalMPI>
    <ErrorNo>0</ErrorNo>
    <TransactionId>GbfKhlc85bjUeQv1MB80</TransactionId>
    <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI0ZmNhNzY0OS01YmRmLTRjNTQtODExZS01ZjA3YTdiNzZkMzAiLCJhY3NUcmFuc0lEIjoiNDViZTViNWEtYmQ1OC00YjlkLWEyOTgtZGEyYmViMzM5MDY0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0</Payload>
    <ErrorDesc></ErrorDesc>

<CardBin>400001<
    <Cavv></
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
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>03<
    <AuthenticationType>01</AuthenticationType>

    <CardBrand>VISA</CardBrand>
    <PAResStatus>N</PAResStatus>
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<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
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Authenticate Response Message
 Code Block
languagexml
<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: 5200000000001120
American Express PAN: 
2.1.0 : 340000000001122
2.2.0 : 340000000002351
Discover (Diners Club) PAN: 6011000000001127
JCB J/Secure PAN: 3337000000200046
Cartes Bancaires (Visa) PAN: 4000000000003113
Lookup Request (cmpi_lookup) → CardType = CB
Cartes Bancaires (MC) PAN: 5200000000003126
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN: 6505050000001125
UnionPay PAN: 6200019999400059
Lookup Request (cmpi_lookup) → CardType = UPI
Expected Results - Lookup Response (cmpi_lookup)
Enrolled = Y
 Code Block
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = C
 Code Block
languagexml
<PAResStatus>C</PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = 07
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
Payload = <Payload Value>
 Code Block
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
PAResStatus = U
 Code Block
languagexml
<PAResStatus>U</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ErrorNo = 1050
 Code Block
languagexml
<ErrorNo>1050</ErrorNo>
ErrorDesc = Error Processing PARes
 Code Block
languagexml
<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
languagexml
<ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl>
ActionCode = ERROR
ErrorNumber = 1050
ErrorDesc = Error Processing PARes
Cardinal Cruise API
On the Lookup Response, StepUpUrl will be returned
 Code Block
languagexml
<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>
Additional Information
Merchant Action
Merchants have the option of retaining the liability and submitting the transaction as non-authenticated. An alternative action would be to prompt for another form of payment. 
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<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 
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <OrderId>8000237418632080</OrderId>
    <ChallengeRequired>N</ChallengeRequired>
    <SignatureVerification>Y</SignatureVerification>
</CardinalMPI>
Test Case 11: Step Up Authentication is Unavailable
Scenario 
Step Up authentication is unavailable
Authentication Experience
Challenge
Test Values
Visa PAN: 
2.1.0 : 4000000000001117
2.2.0 : 4000000000002420
Mastercard PAN: 5200000000001112
American Express PAN: 
2.1.0 : 340000000001114
2.2.0 : 340000000002484
Discover (Diners Club) PAN: 6011000000001119
JCB J/Secure PAN: 3337000000200079
Cartes Bancaires (Visa) PAN: 4000000000003105
Lookup Request (cmpi_lookup) → CardType = CB
Cartes Bancaires (MC) PAN: 5200000000003118
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN: 6505050000001117
UnionPay PAN: 6200019999600039
Lookup Request (cmpi_lookup) → CardType = UPI
Expected Results - Lookup Response (cmpi_lookup)
Enrolled = Y
 Code Block
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = C
 Code Block
languagexml
<PAResStatus>C</PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = 07
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
Payload = <Payload Value>
 Code Block
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
PAResStatus = U
 Code Block
languagexml
<PAResStatus>U</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Integration Method Specific Expected Results
Cardinal Cruise Standard & Hybrid
On the Lookup Response, ACSUrl will be returned
 Code Block
languagexml
<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
languagexml
<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>
Additional Information
Merchant Action
Merchant can retry authentication or process authorization as merchant liability.
Sample Authenticate Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Authenticate Response Message
 Code Block
languagexml
<CardinalMPI>
    <CardBin>400001</CardBin>
    <StatusReason>01</StatusReason>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>a8688a40-b7f2-41e3-b760-42d4221f76f5</ThreeDSServerTransactionId>
    <Cavv />
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>07</EciFlag>
    <TransactionId>rQn5nFa2z347PcJURQk0</TransactionId>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>N</PAResStatus>
</CardinalMPI>
Test Case 11: Step Up Authentication is Unavailable
Scenario 
Step Up authentication is unavailable
Authentication Experience
Challenge
Test Values
Visa PAN: 
2.1.0 : 4000000000001117
2.2.0 : 4000000000002420
Mastercard PAN:
2.1.0 : 5200000000001112
2.2.0 : 5200000000002664
American Express PAN:
2.1.0 : 340000000001114
2.2.0 : 340000000002484
Discover (Diners Club) PAN:
2.1.0 : 6011000000001119
JCB PAN:
2.1.0 : 3337000000200079
2.2.0 : 3338000000000981
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003105
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 : 6505290000001283
UnionPay PAN:
2.1.0 : 6200019999600039
Lookup Request (cmpi_lookup) → CardType = UPI
ITMX (Visa) PAN: 
2.1.0 : 4632082100000047
Lookup Request (cmpi_lookup) → CardType = ITMX
ITMX (MC) PAN: 
2.1.0 : 5577550121000042
Lookup Request (cmpi_lookup) → CardType = ITMX
eftpos (Visa) PAN:
2.1.0 : 4000000000005225
Lookup Request (cmpi_lookup) → CardType = EFTPOS
eftpos (MC) PAN:
2.1.0 : 5200000000005337
Lookup Request (cmpi_lookup) → CardType = EFTPOS
mada (Visa) PAN:
2.2.0 : 4000000000008310
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 : 5200000000008190
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
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = C
 Code Block
languagexml
<PAResStatus>C</PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = 07
 Code Block
languagexml
<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
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
PAResStatus = U
 Code Block
languagexml
<PAResStatus>U</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<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
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Integration Method Specific Expected Results
Cardinal Cruise API
On the Lookup Response, StepUpUrl will be returned
 Code Block
languagexml
<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>
Additional Information
Merchant Action
Merchant can retry authentication or process authorization as merchant liability.
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<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
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Authenticate Response Message
 Code Block
languagexml
<CardinalMPI>
    <CardBin>400000</CardBin>
    <StatusReason>01</StatusReason>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc />
    <ThreeDSServerTransactionId>339dcc95-5749-4c65-96f7-1ee5d5d87bf3</ThreeDSServerTransactionId>
    <Cavv />
    <ErrorNo>0</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>07</EciFlag>
    <TransactionId>xnzzW45YfQ6X0vulLf50</TransactionId>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>U</PAResStatus>
</CardinalMPI>
Test Case 12: Error on Authentication
Scenario 
A system Error occurred on while attempting to process the authentication request
Authentication Experience
Challenge
Test Values
Visa PAN: 
2.1.0 : 4000000000001125
2.2.0 : 4000000000002644
Mastercard PAN:
2.1.0 : 5200000000001120
2.2.0 : 5200000000002656
American Express PAN:
2.1.0 : 340000000001122
2.2.0 : 340000000002351
Discover (Diners Club) PAN:
2.1.0 : 6011000000001127
JCB PAN:
2.1.0 : 3337000000200046
2.2.0 : 3338000000000676
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003113
2.2.0 : 4000000000004913
Lookup Request (cmpi_lookup) → CardType = CB
Cartes Bancaires (MC) PAN: 
2.1.0 : 5200000000003126
2.2.0 : 5200000000004611
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN:
2.1.0 : 6505290000001317
UnionPay PAN:
2.1.0 : 6200019999400059
Lookup Request (cmpi_lookup) → CardType = UPI
ITMX (Visa) PAN: 
2.1.0 : 4632082100000062
Lookup Request (cmpi_lookup) → CardType = ITMX
ITMX (MC) PAN: 
2.1.0 : 5577550121000067
Lookup Request (cmpi_lookup) → CardType = ITMX
eftpos (Visa) PAN:
2.1.0 : 4000000000005241
Lookup Request (cmpi_lookup) → CardType = EFTPOS
eftpos (MC) PAN:
2.1.0 : 5200000000005352
Lookup Request (cmpi_lookup) → CardType = EFTPOS
mada (Visa) PAN:
2.2.0 : 4000000000008340
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 : 5200000000008200
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
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = C
 Code Block
languagexml
<PAResStatus>C</PAResStatus>
XID = (value will not be provided)
 Code Block
languagexml
<Xid></Xid>
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = 07
 Code Block
languagexml
<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)
    • ITMX (MC)
    • mada(MC)
Payload = <Payload Value>
 Code Block
languagexml
<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
PAResStatus = U
 Code Block
languagexml
<PAResStatus>U</PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<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
languagexml
<ErrorNo>1050</ErrorNo>
ErrorDesc = Error Processing PARes
 Code Block
languagexml
<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 API
On the Lookup Response, StepUpUrl will be returned
 Code Block
languagexml
<StepUpUrl>https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp</StepUpUrl>
Additional Information
Merchant Action
Merchants have the option of retaining the liability and submitting the transaction as non-authenticated. An alternative action would be to prompt for another form of payment. 
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<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
languagexml
<CardinalMPI>
	<MsgType>cmpi_authenticate</MsgType>
	<Algorithm>SHA-512</Algorithm>
	<Identifier>{{API_KEY_IDENTIFIER}}</Identifier>
	<OrgUnit>{{ORG_UNIT_ID}}</OrgUnit>
	<Signature>{{GENERATED_SIGNATURE_VALUE}}</Signature>
	<Timestamp>{{TIMESTAMP}}</Timestamp>
	<TransactionId>{{TRANSACTION_ID}}</TransactionId>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Authenticate Response Message
 Code Block
languagexml
<CardinalMPI>
    <CardBin>400000</CardBin>
    <StatusReason>01</StatusReason>
    <ThreeDSVersion>2.1.0</ThreeDSVersion>
    <SignatureVerification>Y</SignatureVerification>
    <ErrorDesc>Error Processing PARes</ErrorDesc>
    <ThreeDSServerTransactionId>56fceb66-1864-4a8d-8ac0-c1487b5ef959</ThreeDSServerTransactionId>
    <Cavv />
    <ErrorNo>1050</ErrorNo>
    <InteractionCounter>00</InteractionCounter>
    <EciFlag>07</EciFlag>
    <TransactionId>ZRT63hQHdfmPo1EGUXF0</TransactionId>
    <DSTransactionId>7f03c3aa-1a28-48eb-a5f7-47da91dd49c3</DSTransactionId>
    <ACSTransactionId>45be5b5a-bd58-4b9d-a298-da2beb339064</ACSTransactionId>
    <AuthenticationType>03</AuthenticationType>
    <CardBrand>VISA</CardBrand>
    <PAResStatus>U</PAResStatus>
</CardinalMPI>
Supplemental Test Cases
Test Case 13: Bypassed Authentication
Scenario 
A decision has been made to bypass the issuer requested challenge for this transaction
Authentication Experience
Frictionless
Test Values
Visa PAN: 
2.1.0 : 4000000000001083
2.2.0 : 4000000000002560
Mastercard PAN:
2.1.0 : 5200000000001088
2.2.0 : 5200000000002508
American Express PAN:
2.1.0 : 340000000001080
2.2.0 : 340000000002948
Discover (Diners Club) PAN:
2.1.0 : 6011000000001085
JCB PAN:
2.1.0 : 3337000000000537
2.2.0 : 3338000000000122
Cartes Bancaires (Visa) PAN:
2.1.0 : 4000000000003089
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 : 4632082100000211
Lookup Request (cmpi_lookup) → CardType = ITMX
ITMX (MC) PAN: 
2.1.0 : 5577550121000190
Lookup Request (cmpi_lookup) → CardType = ITMX
eftpos (Visa) PAN:
2.1.0 : 4000000000005084
Lookup Request (cmpi_lookup) → CardType = EFTPOS
eftpos (MC) PAN:
2.1.0 : 5200000000005980
Lookup Request (cmpi_lookup) → CardType = EFTPOS
mada (Visa) PAN:
2.2.0 : 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:
2.2.0 : 5200000000008150
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 = B
 Code Block
languagexml
<Enrolled>B</Enrolled>
PAResStatus = (value will not be provided)
 Code Block
languagexml
<PAResStatus></PAResStatus>
XID = <XID Value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = (value will not be provided)
 Code Block
languagexml
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
languagexml
<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 Block
languagexml
<ACSUrl></ACSUrl>
Payload = (value will not be provided)
 Code Block
languagexml
<Payload></Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
 
cmpi_authenticate message not expected to be 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
languagexml
<CardinalMPI>
	<MsgType>cmpi_
authenticate<
lookup</MsgType>
	
<MerchantId>
<Algorithm>SHA-512</Algorithm>
	<Identifier>{{
MERCHANT
API_KEY_
ID
IDENTIFIER}}</
MerchantId>
Identifier>
	
<ProcessorId>
<OrgUnit>{{
PROCESSOR
ORG_UNIT_ID}}</
ProcessorId>
OrgUnit>
	
<TransactionId>
<Signature>{{
TRANSACTION
GENERATED_SIGNATURE_
ID
VALUE}}</
TransactionId>
Signature>
	
<TransactionPwd>
<Timestamp>{{
TRANSACTION_PASSWORD
TIMESTAMP}}</
TransactionPwd>
Timestamp>
	
<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Authenticate Response Message
 Code Block
languagexml
<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: 5200000000001088
American Express PAN: 
2.1.0 : 340000000001080
2.2.0 : 340000000002948
Discover (Diners Club) PAN: 6011000000001085
JCB PAN: 3337000000000537
Cartes Bancaires (Visa) PAN: 4000000000003089
Lookup Request (cmpi_lookup) → CardType = CB
Cartes Bancaires (MC) PAN: 5200000000003084
Lookup Request (cmpi_lookup) → CardType = CB
ELO PAN: 6505050000001083
UnionPay PAN: 6200010000800080
Lookup Request (cmpi_lookup) → CardType = UPI
Expected Results - Lookup Response (cmpi_lookup)
 
Enrolled = B
 Code Block
<Enrolled>B</Enrolled>
PAResStatus = (value will not be provided)
 Code Block
<PAResStatus></PAResStatus>
XID = <XID Value>
 Code Block
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = (value will not be provided)
 Code Block
<Cavv></Cavv>
EciFlag = <ECI Value>
 Code Block
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
    • Cartes Bancaires (Visa)
    • ELO
    • UnionPay
  • 00
    • Mastercard
    • Cartes Bancaires (MC)
ACSUrl = (value will not be provided)
 Code Block
<ACSUrl></ACSUrl>
Payload = (value will not be provided)
 Code Block
<Payload></Payload>
ErrorNo = 0
 Code Block
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
<ErrorDesc></ErrorDesc>
 Info
SignatureVerification will not be returned due to Enrolled=U.
Expected Results - Authentication (cmpi_authenticate response)
 
cmpi_authenticate message not expected to be run in a Frictionless Authentication Experience scenario.
Integration Method Specific Expected Results
Cardinal Cruise Standard & Hybrid
ActionCode = NOACTION
ErrorNumber = 0
ErrorDescription = Success
Cardinal Cruise API
N/A
Additional Information
Merchant Action
Merchant should proceed with the authorization message.
Sample Messages
Sample Lookup Request Message
 Code Block
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>mCJ2L6ivtEmAqiF3iRR0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>B</Enrolled>
	<ACSTransactionId>8b001ae9-c066-4ff5-90c2-4003cdf76d37</ACSTransactionId>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>8ded676a-8202-468b-b6a5-066a6de0c0b1</ThreeDSServerTransactionId>
	<CardBin>400000</CardBin>
	<CardBrand>VISA</CardBrand>
	<StatusReason>01</StatusReason>
	<DSTransactionId>af8182f3-5e3b-4988-b4c5-c2689fbd4c02</DSTransactionId>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<OrderId>8000889905508577</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification></SignatureVerification>
</CardinalMPI>
Test Case 14: Require MethodURL
Scenario 
The 3DS Method URL is used in EMV 3DS to provide the issuer with relevant information to conduct a risk assessment for the transaction.
For more information on 3DS Method, please refer to: 3DS Method FAQ 
As part of your integration, you should verify the 3DS Method is executing properly based on your integration method and chosen method of Device Data Collection. 
If Device Data Collection does not complete successfully, your authentication requests will be subject to higher risk assessments and downgrades to legacy versions of the 3-D Secure protocol. 
In the event Device Data Collection and 3DS Method does not complete (and you are not providing the necessary Browser fields for an EMV 3DS transaction on the Lookup Request) you will likely see your transaction downgrade to 3DS 1.0.2 with an Enrolled value of U. 
If you have coded to the Browser fields on the Lookup Request and still fail to run the 3DS Method, you would expect to see the following:
  • ReasonCode = 101
  • ReasonDesc = “Method URL was incomplete. 403”
Ultimately resulting in Enrolled=U.
The intent of this test case is to verify you have successfully implement your device data collection method and are allowing for EMV 3DS Method processing. If you have done this correctly, this transaction will result in a Frictionless Success outcomes (similar to Test Case #1).
Authentication Experience
N/A
Test Values
Visa PAN: 4000010000000001
Mastercard PAN: 5200010000000006
American Express PAN: 340001000000007
Discover (Diners Club) PAN: 6011010000000003
JCB J/Secure PAN: 3337000000000388
Cartes Bancaires (Visa) PAN: 4000000000003212
Cartes Bancaires (MC) PAN: 5200000000003217
ELO PAN: 6505050000001208
UnionPay PAN: 6200010000800205
Expected Results - Lookup Response (cmpi_lookup)
Enrolled = Y
 Code Block
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = Y
 Code Block
languagexml
<PAResStatus>Y</PAResStatus>
XID = <XID value>
 Code Block
languagexml
<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>
 Info
The XID value is only returned for American Express transactions
CAVV = <CAVV value>
 Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
EciFlag = <ECI value>
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 07
    • Visa
    • AMEX
    • Discover (Diners Cub)
    • JCB
  • 00
    • Mastercard
ACSUrl = (value will not be provided)
 Code Block
languagexml
<ACSUrl></ACSUrl>
Payload = (value will not be provided)
 Code Block
languagexml
<Payload></Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<ErrorDesc></ErrorDesc>
Expected Results - Authentication (cmpi_authenticate response)
N/A
Integration Method Specific Expected Results
Cardinal Cruise Standard & Hybrid
ActionCode = SUCCESS
ErrorNumber = 0
ErrorDescription = Success
Cardinal Cruise API
N/A
Additional Information
Merchant Action
N/A
Sample Messages
Sample Lookup Request Message
 Code Block
languagexml
<CardinalMPI>
	<MsgType>cmpi_lookup</MsgType>
	<ProcessorId>{{PROCESSOR_ID}}</ProcessorId>
	<MerchantId>{{MERCHANT_ID}}</MerchantId>
	<TransactionPwd>{{TRANSACTION_PASSWORD}}</TransactionPwd>
	<OrderNumber>{{ORDER_NUMBER}}</OrderNumber>
	<CardNumber>{{TEST_CARD_NUMBER}}</CardNumber>
	<CardExpMonth>06</CardExpMonth>
	<CardExpYear>2022</CardExpYear>
	<AcquirerId>428448</AcquirerId>
	<AcquirerMerchantId>980020230994</AcquirerMerchantId>
	<ACSWindowSize>05</ACSWindowSize>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2 />
	<BillingCity>Mentor</BillingCity>
	<BillingCountryCode>US</BillingCountryCode>
	<BillingFirstName>Chris</BillingFirstName>
	<BillingLastName>Brown</BillingLastName>
	<BillingPostalCode>K44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<UserAgent>Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/71.0.3578.98 Safari/537.36</UserAgent>
	<DFReferenceId>{{DF_REFERENCE_ID}}</DFReferenceId>
	<BrowserHeader>text/html,application/xhtml+xml,application/xml;q=0.9,/;q=0.8</BrowserHeader>
	<BrowserJavaEnabled>True</BrowserJavaEnabled>
	<BrowserLanguage>en-US</BrowserLanguage>
	<BrowserColorDepth>24</BrowserColorDepth>
	<BrowserScreenHeight>864</BrowserScreenHeight>
	<BrowserScreenWidth>1536</BrowserScreenWidth>
	<BrowserTimeZone>300</BrowserTimeZone>
	<CategoryCode>5999</CategoryCode>
	<CurrencyCode>USD</CurrencyCode>
	<Amount>12367</Amount>
	<DeviceChannel>Browser</DeviceChannel>
	<Email>support@cardinalcommerce.com</Email>
	<IPAddress>1.12.123.255</IPAddress>
	<TransactionMode>S</TransactionMode>
	<TransactionType>C</TransactionType>
	<Version>1.7</Version>
</CardinalMPI>
Sample Lookup Response Message
 Code Block
languagexml
<CardinalMPI>
	<ErrorNo>0</ErrorNo>
	<TransactionId>ixRrGmotK4gyHi39NUa0</TransactionId>
	<Payload></Payload>
	<ErrorDesc></ErrorDesc>
	<Cavv></Cavv>
	<PAResStatus></PAResStatus>
	<Enrolled>U</Enrolled>
	<EciFlag>07</EciFlag>
	<ACSUrl></ACSUrl>
	<ThreeDSServerTransactionId>d608ccc0-45e5-4d42-836e-ae4e0ab55f08</ThreeDSServerTransactionId>
	<CardBin>400001</CardBin>
	<ReasonDesc>Method URL was incomplete. 403</ReasonDesc>
	<CardBrand>VISA</CardBrand>
	<ThreeDSVersion>2.1.0</ThreeDSVersion>
	<ReasonCode>101</ReasonCode>
	<OrderId>8000649826312016</OrderId>
	<ChallengeRequired></ChallengeRequired>
	<SignatureVerification><
<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
languagexml
<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:
  1. BIN/PAN Requirement
    The BIN provided must not exceed 8 digits unless a merchant uses Data Exchange API in which case a full PAN needs to be passed.
  2. 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
languagexml
<Enrolled>Y</Enrolled>
PAResStatus = Y
 Code Block
languagexml
<PAResStatus>Y</PAResStatus>
CAVV = <CAVV value>
 Code Block
languagexml
<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>
EciFlag = <ECI value>
 Code Block
languagexml
<EciFlag>07</EciFlag>
Expected ECI Values grouped by Network:
  • 05
    • Visa
ACSUrl = (value will not be provided)
 Code Block
languagexml
<ACSUrl></ACSUrl>
Payload = (value will not be provided)
 Code Block
languagexml
<Payload></Payload>
ErrorNo = 0
 Code Block
languagexml
<ErrorNo>0</ErrorNo>
ErrorDesc = (value will not be provided)
 Code Block
languagexml
<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
languagexml
<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>
	<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>
	<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>
	<MessageCategory>01</MessageCategory>
	<MsgType>cmpi_lookup</MsgType>
	<OrderNumber>Visa Frictionless Y - CMPI_Lookup-82</OrderNumber>
	<ShippingAddress1>1600 Pennsylvania Blvd.</ShippingAddress1>
	<ShippingAddress2/>
	<ShippingCity>Washington</ShippingCity>
	<ShippingCountryCode>US</ShippingCountryCode>
	<ShippingFirstName>William</ShippingFirstName>
	<ShippingLastName/>
	<ShippingPostalCode>10123</ShippingPostalCode>
	<ShippingState>DC</ShippingState>
	<TransactionType>C</TransactionType>
	<UserAgent>Jakarta Commons-HttpClient/3.1</UserAgent>
	<Version>1.7</Version>
	<DFReferenceId>{{Reference ID from DF process}}</DFReferenceId>
</CardinalMPI>
Sample Failure Response
 Code Block
languagexml
<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
languagexml
<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
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)
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)
8
Visa
07
U
N
0
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)
9
Visa
07
B
N
05
Y
C
Y
Y
0
NOACTION
SUCCESS
American Express
Discover (Diners Club)
JCB
Cartes Bancaire (Visa)
ELO
UnionPay
ITMX (Visa and MC)
eftpos (Visa and MC)
Mastercard
00
02
Cartes Bancaires (MC)
10
Visa
05
07
Y
C
Y
N
Y
N
0
SUCCESS
FAILURE
American Express
Discover (Diners Club)
JCB
Cartes Bancaire (Visa)
ELO
UnionPay
ITMX (Visa and MC)
eftpos (Visa and MC)
Mastercard
02
00
Cartes Bancaires (MC)
11
Visa
07
Y
C
N
U
N
0
FAILURE
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)
12
Visa
07
Y
C
U
N
0
1050
NOACTIONU
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)
13
Visa
07
Y
C
B
N
1050
0
ERROR
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)
14
Visa
07
05
Y
Y or C
Y
0
SUCCESS
American Express
N/A
Discover (Diners Club)
JCB
Cartes Bancaire (Visa)
N/A
ELO
UnionPay
ITMX (Visa and MC)
Mastercard
00
eftpos (Visa and MC)
Mastercard
Cartes Bancaires (MC)
N/A
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