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 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 Contents

maxLevel	2

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: 5200000000001005

American Express PAN:

2.1.0 : 340000000001007
2.2.0 : 340000000002708

Discover (Diners Club) PAN: 6011000000001002

JCB J/Secure PAN: 3337000000000008

Cartes Bancaires (Visa) PAN: 4000000000003006

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003001

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001000

UnionPay PAN: 6200010000200000

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>05</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Test Case 2: Failed Frictionless Authentication

Scenario

Authentication Failed by Card Issuer without Challenge

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001018
2.2.0 : 4000000000002925

Mastercard PAN: 5200000000001013

American Express PAN:

2.1.0 : 340000000001015
2.2.0 : 340000000002096

Discover (Diners Club) PAN: 6011000000001010

JCB J/Secure PAN: 3337000000000990

Cartes Bancaires (Visa) PAN: 4000000000003014

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003019

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001018

UnionPay PAN: 6200010000100010

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Test Case 3: Attempts Stand-In Frictionless Authentication

Scenario

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

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001026
2.2.0 : 4000000000002719

Mastercard PAN: 5200000000001021

American Express PAN:

2.1.0 : 340000000001023
2.2.0 : 340000000002872

Discover (Diners Club) PAN: 6011000000001028

JCB J/Secure PAN: 3337000000007045

Cartes Bancaires (Visa) PAN: 4000000000003022

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003027

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001026

UnionPay PAN: 6200010000000020

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = A

Code Block

language	xml

<PAResStatus>A</PAResStatus>

XID = <XID value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>06</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Test Case 4: Unavailable Frictionless Authentication from the Issuer

Scenario

Authentication is Unavailable at the current time

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001034
2.2.0 : 4000000000002313

Mastercard PAN: 5200000000001039

American Express PAN:

2.1.0 : 340000000001031
2.2.0 : 340000000002922

Discover (Diners Club) PAN: 6011000000001036

JCB J/Secure PAN: 3337000000000735

Cartes Bancaires (Visa) PAN: 4000000000003030

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003035

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001034

UnionPay PAN: 6200010000400030

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = U

Code Block

language	xml

<PAResStatus>U</PAResStatus>

XID = <XID value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchants can attempt to retry authentication or proceed with authorization

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Test Case 5: Rejected Frictionless Authentication by the Issuer

Scenario

Rejected authentication by the issuer not requiring a challenge

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001042
2.2.0 : 4000000000002537

Mastercard PAN: 5200000000001047

American Express PAN:

2.1.0 : 340000000001049
2.2.0 : 340000000002062

Discover (Diners Club) PAN: 6011000000001044

JCB J/Secure PAN: 3337000000000321

Cartes Bancaires (Visa) PAN: 4000000000003048

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003043

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001042

UnionPay PAN: 6200010000300040

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = R

Code Block

language	xml

<PAResStatus>R</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <BLANK>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Test Case 6: Authentication Not Available on Lookup

Scenario

Authentication not available on Lookup due to system error

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001059
2.2.0 : 4000000000002990

Mastercard PAN: 5200000000001054

American Express PAN:

2.1.0 : 340000000001056
2.2.0 : 340000000002468

Discover (Diners Club) PAN: 6011000000001051

JCB J/Secure PAN: 3337000000006765

Cartes Bancaires (Visa) PAN: 4000000000003055

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003050

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001059

UnionPay PAN: 6200010000600050

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml

<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml

<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

ReasonCode = 101

Code Block

language	xml

<ReasonCode>101</ReasonCode>

ReasonDesc = Invalid Formatted Message Invalid Formatted Message

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

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

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Test Case 7: Error on Lookup

Scenario

An Error occurred downstream while attempting Authentication processing

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001067
2.2.0 : 4000000000002446

Mastercard PAN: 5200000000001062

American Express PAN:

2.1.0 : 340000000001064
2.2.0 : 340000000002732

Discover (Diners Club) PAN: 6011000000001069

JCB J/Secure PAN: 3337000000000016

Cartes Bancaires (Visa) PAN: 4000000000003063

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003068

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001067

UnionPay PAN: 6200010000500060

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml

<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml

<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 1001

Code Block

language	xml

<ErrorNo>1001</ErrorNo>

ErrorDesc = Error Processing Message Request

Code Block

language	xml

<ErrorDesc>Error Processing Message Request</ErrorDesc>

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

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

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

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

Test Case 8: Timeout on cmpi_lookup Transaction

Scenario

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

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001075
2.2.0 : 4000000000002354

Mastercard PAN: 5200000000001070

American Express PAN:

2.1.0 : 340000000001072
2.2.0 : 340000000002047

Discover (Diners Club) PAN: 6011000000001077

JCB J/Secure PAN: 3337000000000081

Cartes Bancaires (Visa) PAN: 4000000000003071

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003076

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001075

UnionPay PAN: 6200010000900070

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

Code Block

language	xml

<Enrolled>U</Enrolled>

PAResStatus = (value will not be provided)

Code Block

language	xml

<PAResStatus></PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo =2860

Code Block

language	xml

<ErrorNo>2860</ErrorNo>

ErrorDesc = Error Processing Message Request with Directory Server

Code Block

language	xml

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

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

ReasonCode = 402

Code Block

language	xml

<ReasonCode>402</ReasonCode>

ReasonDesc = Transaction Timed Out

Code Block

language	xml

<ReasonDesc>Transaction Timed Out</ReasonDesc>

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

Expected Results - Authentication (cmpi_authenticate response)

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

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = ERROR

ErrorNumber = 10002

ErrorDescription = Centinel API connection error on Start.

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Scenario

Successful traditional Step Up (Challenge) authentication transaction

Authentication Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001091
2.2.0 : 4000000000002503

Mastercard PAN: 5200000000001096

American Express PAN:

2.1.0 : 340000000001098
2.2.0 : 340000000002534

Discover (Diners Club) PAN: 6011000000001093

JCB J/Secure PAN: 3337000000200004

Cartes Bancaires (Visa) PAN: 4000000000003139

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003092

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001091

UnionPay PAN: 6200019999800019

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV Value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>05</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

language	xml

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

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Sample Authenticate Request Message

Code Block

language	xml

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

Sample Authenticate Response Message

Code Block

language	xml

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

Test Case 10: Failed Step Up Authentication

Scenario

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

Authentication Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001109
2.2.0 : 4000000000002370

Mastercard PAN: 5200000000001104

American Express PAN:

2.1.0 : 340000000001106
2.2.0 : 340000000002237

Discover (Diners Club) PAN: 6011000000001101

JCB J/Secure PAN: 3337000000200087

Cartes Bancaires (Visa) PAN: 4000000000003097

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 5200000000003100

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN: 6505050000001109

UnionPay PAN: 6200019999700029

Lookup Request (cmpi_lookup) → CardType = UPI

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

Code Block

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = N

Code Block

language	xml

<PAResStatus>N</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

language	xml

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

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Sample Authenticate Request Message

Code Block

language	xml

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

Sample Authenticate Response Message

Code Block

language	xml

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

Test Case 11: Step Up Authentication is Unavailable

Scenario

Step Up authentication is unavailable

Authentication Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001117
2.2.0 : 4000000000002420

Mastercard PAN: 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

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block

language	xml

<PAResStatus>U</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

Code Block

language	xml

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

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

Merchant can retry authentication or process authorization as merchant liability.

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Sample Authenticate Request Message

Code Block

language	xml

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

Sample Authenticate Response Message

Code Block

language	xml

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

Test Case 12: Error on Authentication

Scenario

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

Authentication Experience

Challenge

Test Values

Visa PAN:
2.1.0 : 4000000000001125
2.2.0 : 4000000000002644

Mastercard PAN: 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

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = C

Code Block

language	xml

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

Code Block

language	xml

<Xid></Xid>

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = 07

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

Payload = <Payload Value>

Code Block

language	xml

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

Code Block

language	xml

<PAResStatus>U</PAResStatus>

XID = <XID Value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = (value will not be provided)

Code Block

language	xml

<Cavv></Cavv>

EciFlag = <ECI Value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

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

ErrorNo = 1050

Code Block

language	xml

<ErrorNo>1050</ErrorNo>

ErrorDesc = Error Processing PARes

Code Block

language	xml

<ErrorDesc>Error Processing PARes</ErrorDesc>

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

language	xml

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

ActionCode = ERROR

ErrorNumber = 1050

ErrorDesc = Error Processing PARes

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

Code Block

language	xml

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

Additional Information

Merchant Action

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

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Sample Authenticate Request Message

Code Block

language	xml

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

Sample Authenticate Response Message

Code Block

language	xml

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

Supplemental Test Cases

Test Case 13: Bypassed Authentication

Scenario

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

Authentication Experience

Frictionless

Test Values

Visa PAN:
2.1.0 : 4000000000001083
2.2.0 : 4000000000002560

Mastercard PAN: 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

language	xml

<Enrolled>Y</Enrolled>

PAResStatus = Y

Code Block

language	xml

<PAResStatus>Y</PAResStatus>

XID = <XID value>

Code Block

language	xml

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

Info
The XID value is only returned for American Express transactions

CAVV = <CAVV value>

Code Block

language	xml

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI value>

Code Block

language	xml

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

07
- Visa
- AMEX
- Discover (Diners Cub)
- JCB
00
- Mastercard

ACSUrl = (value will not be provided)

Code Block

language	xml

<ACSUrl></ACSUrl>

Payload = (value will not be provided)

Code Block

language	xml

<Payload></Payload>

ErrorNo = 0

Code Block

language	xml

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Code Block

language	xml

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

N/A

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

N/A

Sample Messages

Sample Lookup Request Message

Code Block

language	xml

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

Sample Lookup Response Message

Code Block

language	xml

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

Test Case Matrix

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
	Mastercard	02
	Cartes Bancaires (MC)	02
2	Visa	07	Y	N		N	0	FAILURE
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
3	Visa	06	Y	A		Y	0	SUCCESS
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	01
	Cartes Bancaires (MC)	01
4	Visa	07	Y	U		N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
5	Visa	07	Y	R		N	0	FAILURE
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
6	Visa	07	U			N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
7	Visa	07	U			N	1001	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
8	Visa		U			N	0	ERROR
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard
	Cartes Bancaires (MC)
9	Visa	07	B			N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
10	Visa	05	Y	C	Y	Y	0	SUCCESS
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	02
	Cartes Bancaires (MC)	02
11	Visa	07	Y	C	N	N	0	FAILURE
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
12	Visa	07	Y	C	U	N	0	NOACTION
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
13	Visa	07	Y	C	U	N	1050	ERROR
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	00
14	Visa	07	Y	Y		Y	0	SUCCESS
	American Express
	Discover (Diners Club)
	JCB
	Cartes Bancaire (Visa)	N/A
	ELO
	UnionPay
	Mastercard	00
	Cartes Bancaires (MC)	N/A

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

Page Comparison

Versions Compared

Old Version 90

New Version 91

Key

Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 2: Failed Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 3: Attempts Stand-In Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 4: Unavailable Frictionless Authentication from the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 5: Rejected Frictionless Authentication by the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 6: Authentication Not Available on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 7: Error on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 8: Timeout on cmpi_lookup Transaction

Sample Messages

Sample Lookup Request Message

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 10: Failed Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 11: Step Up Authentication is Unavailable

Sample Messages

Sample Lookup Request Message

Test Case 12: Error on Authentication

Sample Messages

Sample Lookup Request Message

Supplemental Test Cases

Test Case 13: Bypassed Authentication

Sample Messages

Sample Lookup Request Message

Test Case 14: Require MethodURL

Sample Messages

Sample Lookup Request Message

Test Case Matrix