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.
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: |
Mastercard PAN: 2.1.0 : 5200000000001005 2.2.0 : 5200000000002235 | |
American Express PAN: 2.1.0 : 340000000001007 | |
Discover (Diners Club) PAN: 6011000000001002 | |
JCB J/Secure PAN: 2.1.0 : 3337000000000008 2.2.0 : 3338000000000296 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>Y</PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = <CAVV Value> <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv> | |
EciFlag = <ECI Value> <EciFlag>05</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <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 = ErrorNumber = ErrorDescription = |
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<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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001013 2.2.0 : 5200000000002276 | |
American Express PAN: 2.1.0 : 340000000001015 | |
Discover (Diners Club) PAN: 6011000000001010 | |
JCB J/Secure PAN: 2.1.0 : 3337000000000990 2.2.0 : 3338000000000361 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>N</PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <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 = ErrorNumber = ErrorDescription = |
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<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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001021 2.2.0 : 5200000000002482 | |
American Express PAN: 2.1.0 : 340000000001023 | |
Discover (Diners Club) PAN: 6011000000001028 | |
JCB J/Secure PAN: 2.1.0 : 3337000000007045 2.2.0 : 3338000000000585 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>A</PAResStatus> | |
XID = <XID value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = <CAVV Value> <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv> | |
EciFlag = <ECI Value> <EciFlag>06</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <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 = ErrorNumber = ErrorDescription = |
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<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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001039 2.2.0 : 5200000000002268 | |
American Express PAN: 2.1.0 : 340000000001031 | |
Discover (Diners Club) PAN: 6011000000001036 | |
JCB J/Secure PAN: 2.1.0 : 3337000000000735 2.2.0 : 3338000000000221 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>U</PAResStatus> | |
XID = <XID value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = <BLANK> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <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 = ErrorNumber = ErrorDescription = |
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<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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001047 2.2.0 : 5200000000002185 | |
American Express PAN: 2.1.0 : 340000000001049 | |
Discover (Diners Club) PAN: 6011000000001044 | |
JCB J/Secure PAN: 2.1.0 : 3337000000000321 2.2.0 : 3338000000000734 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>R</PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = <BLANK> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <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 = ErrorNumber = ErrorDescription = |
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<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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001054 2.2.0 : 5200000000002409 | |
American Express PAN: 2.1.0 : 340000000001056 | |
Discover (Diners Club) PAN: 6011000000001051 | |
JCB J/Secure PAN: 2.1.0 : 3337000000006765 2.2.0 : 3338000000000940 | |
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 = <Enrolled>U</Enrolled> | |
PAResStatus = (value will not be provided) <PAResStatus></PAResStatus> | |
XID = (value will not be provided) <Xid></Xid> | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
ReasonCode = <ReasonCode>101</ReasonCode> ReasonDesc = <ReasonDesc>Invalid Formatted Message Invalid Formatted Message</ReasonDesc> | |
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 = ErrorNumber = ErrorDescription = |
Cardinal Cruise API | N/A |
Additional Information | |
Merchant Action | Merchant should proceed with the authorization message. |
Sample Messages |
Sample Lookup Request Message<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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001062 2.2.0 : 5200000000002037 | |
American Express PAN: 2.1.0 : 340000000001064 | |
Discover (Diners Club) PAN: 6011000000001069 | |
JCB J/Secure PAN: 2.1.0 : 3337000000000016 2.2.0 : 3338000000000650 | |
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 = <Enrolled>U</Enrolled> | |
PAResStatus = (value will not be provided) <PAResStatus></PAResStatus> | |
XID = (value will not be provided) <Xid></Xid> | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>1001</ErrorNo> ErrorDesc = <ErrorDesc>Error Processing Message Request</ErrorDesc> For potential ErrorNo values and their corresponding ErrorDesc values, please refer to: Centinel Core Error Codes | |
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 = ErrorNumber = ErrorDescription = |
Cardinal Cruise API | N/A |
Additional Information | |
Merchant Action | Merchant should proceed with the authorization message. |
Sample Messages |
Sample Lookup Request Message<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 <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> |
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: |
Mastercard PAN: 2.1.0 : 5200000000001070 2.2.0 : 5200000000002326 | |
American Express PAN: 2.1.0 : 340000000001072 | |
Discover (Diners Club) PAN: 6011000000001077 | |
JCB J/Secure PAN: 2.1.0 : 3337000000000081 2.2.0 : 3338000000000577 | |
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 = <Enrolled>U</Enrolled> | |
PAResStatus = (value will not be provided) <PAResStatus></PAResStatus> | |
XID = (value will not be provided) <Xid></Xid> | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>2860</ErrorNo> ErrorDesc = <ErrorDesc>Error Processing Message Request with Directory Server</ErrorDesc> | |
Two additional fields will be returned on the Lookup Response identifying this scenario. ReasonCode = 402 <ReasonCode>402</ReasonCode> ReasonDesc = Transaction Timed Out <ReasonDesc>Transaction Timed Out</ReasonDesc> | |
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 = ErrorNumber = ErrorDescription = |
Cardinal Cruise API | N/A |
Additional Information | |
Merchant Action | Merchant should proceed with the authorization message. |
Sample Messages |
Sample Lookup Request Message<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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001096 2.2.0 : 5200000000002151 | |
American Express PAN: 2.1.0 : 340000000001098 | |
Discover (Diners Club) PAN: 6011000000001093 | |
JCB J/Secure PAN: 2.1.0 : 3337000000200004 2.2.0 : 3338000000000569 | |
Cartes Bancaires (Visa) PAN: 4000000000003139 Lookup Request (cmpi_lookup) → CardType = CB | |
Cartes Bancaires (MC) PAN: 5200000000003092 Lookup Request (cmpi_lookup) → CardType = CB | |
ELO PAN: 6505050000001091 | |
UnionPay PAN: 6200019999800019 Lookup Request (cmpi_lookup) → CardType = UPI | |
Expected Results - Lookup Response (cmpi_lookup) | |
Enrolled = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>C</PAResStatus> | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
Payload = <Payload Value> <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload> | |
ErrorNo = <ErrorNo>0</ErrorNo> | |
ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
Expected Results - Authentication (cmpi_authenticate response) | |
PAResStatus = <PAResStatus>Y</PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = <CAVV Value> <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv> | |
EciFlag = <ECI Value> <EciFlag>05</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
Integration Method Specific Expected Results | |
Cardinal Cruise Standard & Hybrid | On the Lookup Response, ACSUrl will be returned <ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl> |
ActionCode = ErrorNumber = ErrorDescription = | |
Cardinal Cruise API | On the Lookup Response, StepUpUrl will be returned <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<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 <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 <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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001104 2.2.0 : 5200000000002490 | |
American Express PAN: 2.1.0 : 340000000001106 | |
Discover (Diners Club) PAN: 6011000000001101 | |
JCB J/Secure PAN: 2.1.0 : 3337000000200087 2.2.0 : 3338000000000874 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>C</PAResStatus> | |
XID = (value will not be provided) <Xid></Xid> | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
Payload = <Payload Value> <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload> | |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
Expected Results - Authentication (cmpi_authenticate response) | |
PAResStatus = <PAResStatus>N</PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> | |
ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
ChallengeCancel = <ChallengeCancel>01</ChallengeCancel> | |
PAResStatus = <PAResStatus>N</PAResStatus> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
Integration Method Specific Expected Results | |
Cardinal Cruise Standard & Hybrid | On the Lookup Response, ACSUrl will be returned <ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl> |
ActionCode = ErrorNumber = ErrorDescription = | |
Cardinal Cruise API | On the Lookup Response, StepUpUrl will be returned <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<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 <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 <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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001112 2.2.0 : 5200000000002664 | |
American Express PAN: 2.1.0 : 340000000001114 | |
Discover (Diners Club) PAN: 6011000000001119 | |
JCB J/Secure PAN: 2.1.0 : 3337000000200079 2.2.0 : 3338000000000981 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>C</PAResStatus> | |
XID = (value will not be provided) <Xid></Xid> | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
Payload = <Payload Value> <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload> | |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
Expected Results - Authentication (cmpi_authenticate response) | |
PAResStatus = <PAResStatus>U</PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>0</ErrorNo> | |
ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
Integration Method Specific Expected Results | |
Cardinal Cruise Standard & Hybrid | On the Lookup Response, ACSUrl will be returned <ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl> |
ActionCode = ErrorNumber = ErrorDescription = | |
Cardinal Cruise API | On the Lookup Response, StepUpUrl will be returned <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<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 <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 <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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001120 2.2.0 : 5200000000002656 | |
American Express PAN: 2.1.0 : 340000000001122 | |
Discover (Diners Club) PAN: 6011000000001127 | |
JCB J/Secure PAN: 2.1.0 : 3337000000200046 2.2.0 : 3338000000000676 | |
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>C</PAResStatus> | |
XID = (value will not be provided) <Xid></Xid> | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
Payload = <Payload Value> <Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload> | |
ErrorNo = <ErrorNo>0</ErrorNo> ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
Expected Results - Authentication (cmpi_authenticate response) | |
PAResStatus = <PAResStatus>U</PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ErrorNo = <ErrorNo>1050</ErrorNo> ErrorDesc = <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 <ACSUrl>https://merchantacsstag.cardinalcommerce.com/MerchantACSWeb/pareq.jsp?gold=AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA</ACSUrl> |
ActionCode = ErrorNumber = ErrorDesc = | |
Cardinal Cruise API | On the Lookup Response, StepUpUrl will be returned <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<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 <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 <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 <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: |
Mastercard PAN: 2.1.0 : 5200000000001088 2.2.0 : 5200000000002508 | |
American Express PAN: 2.1.0 : 340000000001080 | |
Discover (Diners Club) PAN: 6011000000001085 | |
JCB PAN: 2.1.0 : 3337000000000537 2.2.0 : 3338000000000122 | |
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 = <Enrolled>B</Enrolled> |
PAResStatus = (value will not be provided) <PAResStatus></PAResStatus> | |
XID = <XID Value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = (value will not be provided) <Cavv></Cavv> | |
EciFlag = <ECI Value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ACSUrl = (value will not be provided) <ACSUrl></ACSUrl> | |
Payload = (value will not be provided) <Payload></Payload> | |
ErrorNo = <ErrorNo>0</ErrorNo> | |
ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
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 = ErrorNumber = ErrorDescription = |
Cardinal Cruise API | N/A |
Additional Information | |
Merchant Action | Merchant should proceed with the authorization message. |
Sample Messages |
Sample Lookup Request Message<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 <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:
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 = <Enrolled>Y</Enrolled> | |
PAResStatus = <PAResStatus>Y</PAResStatus> | |
XID = <XID value> <Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid> The XID value is only returned for American Express transactions | |
CAVV = <CAVV value> <Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv> | |
EciFlag = <ECI value> <EciFlag>07</EciFlag> Expected ECI Values grouped by Network:
| |
ACSUrl = (value will not be provided) <ACSUrl></ACSUrl> | |
Payload = (value will not be provided) <Payload></Payload> | |
ErrorNo = <ErrorNo>0</ErrorNo> | |
ErrorDesc = (value will not be provided) <ErrorDesc></ErrorDesc> | |
Expected Results - Authentication (cmpi_authenticate response) | |
N/A | |
Integration Method Specific Expected Results | |
Cardinal Cruise Standard & Hybrid | ActionCode = ErrorNumber = ErrorDescription = |
Cardinal Cruise API | N/A |
Additional Information | |
Merchant Action | N/A |
Sample Messages |
Sample Lookup Request Message<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 <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 | |
---|---|---|---|---|---|---|---|---|
Visa | 05 | Y | Y | Y | 0 | SUCCESS | ||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 02 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | Y | N | N | 0 | FAILURE | ||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 06 | Y | A | Y | 0 | SUCCESS | ||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 01 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | Y | U | N | 0 | NOACTION | ||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | Y | R | N | 0 | FAILURE | ||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | U | N | 0 | NOACTION | |||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | U | N | 1001 | NOACTION | |||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | U | N | 0 | ERROR | ||||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | ||||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | B | N | 0 | NOACTION | |||
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 05 | Y | C | Y | Y | 0 | SUCCESS | |
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 02 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | Y | C | N | N | 0 | FAILURE | |
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | Y | C | U | N | 0 | NOACTION | |
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
Visa | 07 | Y | C | U | N | 1050 | ERROR | |
American Express | ||||||||
Discover (Diners Club) | ||||||||
JCB | ||||||||
Cartes Bancaire (Visa) | ||||||||
ELO | ||||||||
UnionPay | ||||||||
Mastercard | 00 | |||||||
Cartes Bancaires (MC) | ||||||||
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 |
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