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.

Important test notes:

  • For the expiration year field CardExpYear, use the current year +3 (for example, when testing in 2023, you’d use 2026).

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

Table of Contents


Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication

Scenario 

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

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001000

2.2.0 : 4000000000002701

Mastercard PAN:

2.1.0 : 5200000000001005

2.2.0 : 5200000000002235

American Express PAN:

2.1.0 : 340000000001007

2.2.0 : 340000000002708

Discover (Diners Club) PAN:

2.1.0 : 6011000000001002

JCB PAN:

2.1.0 : 3337000000000008

2.2.0 : 3338000000000296

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003006

2.2.0 : 4000000000004970

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003001

2.2.0 : 5200000000004801

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001002

UnionPay PAN:

2.1.0 : 6200010000200000

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000005

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000000

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005126

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005170

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008020

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008000

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = Y

<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:

  • 05

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada (Visa)

  • 02

    • Mastercard

    • Cartes Bancaires (MC)

    • mada (MC)

ErrorNo = 0

<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.

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

Sample Lookup Response Message

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


Test Case 2: Failed Frictionless Authentication

Scenario 

Authentication Failed by Card Issuer without Challenge

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001018

2.2.0 : 4000000000002925

Mastercard PAN:

2.1.0 : 5200000000001013

2.2.0 : 5200000000002276

American Express PAN:

2.1.0 : 340000000001015

2.2.0 : 340000000002096

Discover (Diners Club) PAN:

2.1.0 : 6011000000001010

JCB PAN:

2.1.0 : 3337000000000990

2.2.0 : 3338000000000361

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003014

2.2.0 : 4000000000004574

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003019

2.2.0 : 5200000000004538

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001010

UnionPay PAN:

2.1.0 : 6200010000100010

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000013

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000018

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005019

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005220

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008040

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008010

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = N

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada (Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada (MC)

ErrorNo = 0

<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.

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

Sample Lookup Response Message

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


Test Case 3: Attempts Stand-In Frictionless Authentication

Scenario 

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

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001026

2.2.0 : 4000000000002719

Mastercard PAN:

2.1.0 : 5200000000001021

2.2.0 : 5200000000002482

American Express PAN:

2.1.0 : 340000000001023

2.2.0 : 340000000002872

Discover (Diners Club) PAN:

2.1.0 : 6011000000001028

JCB PAN:

2.1.0 : 3337000000007045

2.2.0 : 3338000000000585

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003022

2.2.0 : 4000000000004111

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003027

2.2.0 : 5200000000004587

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001069

UnionPay PAN: 6200010000000020

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000070

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000075

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005027

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005360

Lookup Request (cmpi_lookup) → CardType = EFTPOS

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = A

<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:

  • 06

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

  • 01

    • Mastercard

    • Cartes Bancaires (MC)

ErrorNo = 0

<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.

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

Sample Lookup Response Message

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


Test Case 4: Unavailable Frictionless Authentication from the Issuer

Scenario 

Authentication is Unavailable at the current time

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001034

2.2.0 : 4000000000002313

Mastercard PAN:

2.1.0 : 5200000000001039

2.2.0 : 5200000000002268

American Express PAN:

2.1.0 : 340000000001031

2.2.0 : 340000000002922

Discover (Diners Club) PAN:

2.1.0 : 6011000000001036

JCB PAN:

2.1.0 : 3337000000000735

2.2.0 : 3338000000000221

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003030

2.2.0 : 4000000000004160

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003035

2.2.0 : 5200000000004306

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001085

UnionPay PAN:

2.1.0 : 6200010000400030

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000096

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000091

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005035

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005410

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008100

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008050

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = U

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada (Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada (MC)

ErrorNo = 0

<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.

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

Sample Lookup Response Message

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


Test Case 5: Rejected Frictionless Authentication by the Issuer

Scenario 

Rejected authentication by the issuer not requiring a challenge

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001042

2.2.0 : 4000000000002537

Mastercard PAN:

2.1.0 : 5200000000001047

2.2.0 : 5200000000002185

American Express PAN:

2.1.0 : 340000000001049

2.2.0 : 340000000002062

Discover (Diners Club) PAN:

2.1.0 : 6011000000001044

JCB PAN:

2.1.0 : 3337000000000321

2.2.0 : 3338000000000734

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003048

2.2.0 : 4000000000004517

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003043

2.2.0 : 5200000000004405

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001143

UnionPay PAN:

2.1.0 : 6200010000300040

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000120

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000125

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005043

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005550

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008130

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008080

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = R

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 0

<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.

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

Sample Lookup Response Message

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


Test Case 6: Authentication Not Available on Lookup

Scenario 

Authentication not available on Lookup due to system error

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001059

2.2.0 : 4000000000002990

Mastercard PAN:

2.1.0 : 5200000000001054

2.2.0 : 5200000000002409

American Express PAN:

2.1.0 : 340000000001056

2.2.0 : 340000000002468

Discover (Diners Club) PAN:

2.1.0 : 6011000000001051

JCB PAN:

2.1.0 : 3337000000006765

2.2.0 : 3338000000000940

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003055

2.2.0 : 4000000000004285

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003050

2.2.0 : 5200000000004090

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001150

UnionPay PAN:

2.1.0 : 6200010000600050

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000138

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000141

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005050

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005600

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008140

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008090

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

ReasonCode = 101

<ReasonCode>101</ReasonCode>

ReasonDesc = Invalid Formatted Message Invalid Formatted Message

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

Expected Results - Authentication (cmpi_authenticate response)

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

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

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

Sample Lookup Response Message

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


Test Case 7: Error on Lookup

Scenario 

An Error occurred downstream while attempting Authentication processing

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001067

2.2.0 : 4000000000002446

Mastercard PAN:

2.1.0 : 5200000000001062

2.2.0 : 5200000000002037

American Express PAN:

2.1.0 : 340000000001064

2.2.0 : 340000000002732

Discover (Diners Club) PAN:

2.1.0 : 6011000000001069

JCB PAN:

2.1.0 : 3337000000000016

2.2.0 : 3338000000000650

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003063

2.2.0 : 4000000000004194

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003068

2.2.0 : 5200000000004058

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001176

UnionPay PAN:

2.1.0 : 6200010000500060

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000153

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000174

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005068

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005790

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008170

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008110

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 1001

<ErrorNo>1001</ErrorNo>

ErrorDesc = Error Processing Message Request

<ErrorDesc>Error Processing Message Request</ErrorDesc>
note

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

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

Expected Results - Authentication (cmpi_authenticate response)

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

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

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

Sample Lookup Response Message

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


Test Case 8: Timeout on cmpi_lookup Transaction

Scenario 

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

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001075

2.2.0 : 4000000000002354

Mastercard PAN:

2.1.0 : 5200000000001070

2.2.0 : 5200000000002326

American Express PAN:

2.1.0 : 340000000001072

2.2.0 : 340000000002047

Discover (Diners Club) PAN:

2.1.0 : 6011000000001077

JCB PAN:

2.1.0 : 3337000000000081

2.2.0 : 3338000000000577

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003071

2.2.0 : 4000000000004277

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003076

2.2.0 : 5200000000004694

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001192

UnionPay PAN:

2.1.0 : 6200010000900070

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000187

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000182

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005076

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005840

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008200

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008130

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = U

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 2860

<ErrorNo>2860</ErrorNo>

ErrorDesc = Error Processing Message Request with Directory Server

<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>

Expected Results - Authentication (cmpi_authenticate response)

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

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

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

Sample Lookup Response Message

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

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Scenario 

Successful traditional Step Up (Challenge) authentication transaction

Authentication Experience

Challenge

Test Values

Visa PAN: 
2.1.0 : 4000000000001091

2.2.0 : 4000000000002503

Mastercard PAN:

2.1.0 : 5200000000001096

2.2.0 : 5200000000002151

American Express PAN:

2.1.0 : 340000000001098

2.2.0 : 340000000002534

Discover (Diners Club) PAN:

2.1.0 : 6011000000001093

JCB PAN:

2.1.0 : 3337000000200004

2.2.0 : 3338000000000569

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003139

2.2.0 : 4000000000004855

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003092

2.2.0 : 5200000000004074

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001234

UnionPay PAN:

2.1.0 : 6200019999800019

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000021

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000026

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005290

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005311

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008270

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008160

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = C

<PAResStatus>C</PAResStatus>

XID = <XID Value>

<Xid>VkM0MXAwOGhjMGxuaUcxU1VtNjA=</Xid>

CAVV = (value will not be provided)

<Cavv></Cavv>

EciFlag = 07

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

Payload = <Payload Value>

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = Y

<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:

  • 05

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 02

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

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

Sample Lookup Response Message

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

Sample Authenticate Response Message

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


Test Case 10: Failed Step Up Authentication

Scenario 

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

Authentication Experience

Challenge

Test Values

Visa PAN: 
2.1.0 : 4000000000001109

2.2.0 : 4000000000002370

Mastercard PAN:

2.1.0 : 5200000000001104

2.2.0 : 5200000000002490

American Express PAN:

2.1.0 : 340000000001106

2.2.0 : 340000000002237

Discover (Diners Club) PAN:

2.1.0 : 6011000000001101

JCB PAN:

2.1.0 : 3337000000200087

2.2.0 : 3338000000000874

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003097

2.2.0 : 4000000000004293

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003100

2.2.0 : 5200000000004041

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001275

UnionPay PAN:

2.1.0 : 6200019999700029

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000039

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000034

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005217

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005329

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008280

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008170

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = C

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

<Xid></Xid>

CAVV = (value will not be provided)

<Cavv></Cavv>

EciFlag = 07

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

Payload = <Payload Value>

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = N

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

a59a8e74-911d-4a66-9d0a-c22f09f6bc25c54e03ff-b061-439c-9c77-c584db0764a0DECIDEDIn the case where the customer clicks 'Cancel' (instead of 'Submit') during the challenge flow, the transaction will be abandoned and merchant will receive the following response field -
  • In the case where the customer clicks 'Cancel' (instead of 'Submit') during the challenge flow, the transaction will be abandoned and merchant will receive the following response field -

ChallengeCancel = 01

<ChallengeCancel>01</ChallengeCancel>

PAResStatus = N

<PAResStatus>N</PAResStatus>

EciFlag = <ECI Value>

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

Integration Method Specific Expected Results

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

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

Sample Lookup Response Message

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

Sample Authenticate Response Message

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


Test Case 11: Step Up Authentication is Unavailable

Scenario 

Step Up authentication is unavailable

Authentication Experience

Challenge

Test Values

Visa PAN: 
2.1.0 : 4000000000001117

2.2.0 : 4000000000002420

Mastercard PAN:

2.1.0 : 5200000000001112

2.2.0 : 5200000000002664

American Express PAN:

2.1.0 : 340000000001114

2.2.0 : 340000000002484

Discover (Diners Club) PAN:

2.1.0 : 6011000000001119

JCB PAN:

2.1.0 : 3337000000200079

2.2.0 : 3338000000000981

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003105

2.2.0 : 4000000000004640

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003118

2.2.0 : 5200000000004124

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001283

UnionPay PAN:

2.1.0 : 6200019999600039

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000047

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000042

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005225

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005337

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008310

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008190

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = C

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

<Xid></Xid>

CAVV = (value will not be provided)

<Cavv></Cavv>

EciFlag = 07

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

Payload = <Payload Value>

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

Integration Method Specific Expected Results

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

Sample Lookup Response Message

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

Sample Authenticate Response Message

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


Test Case 12: Error on Authentication

Scenario 

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

Authentication Experience

Challenge

Test Values

Visa PAN: 
2.1.0 : 4000000000001125

2.2.0 : 4000000000002644

Mastercard PAN:

2.1.0 : 5200000000001120

2.2.0 : 5200000000002656

American Express PAN:

2.1.0 : 340000000001122

2.2.0 : 340000000002351

Discover (Diners Club) PAN:

2.1.0 : 6011000000001127

JCB PAN:

2.1.0 : 3337000000200046

2.2.0 : 3338000000000676

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003113

2.2.0 : 4000000000004913

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003126

2.2.0 : 5200000000004611

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001317

UnionPay PAN:

2.1.0 : 6200019999400059

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000062

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000067

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005241

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005352

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008340

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008200

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = C

<PAResStatus>C</PAResStatus>

XID = (value will not be provided)

<Xid></Xid>

CAVV = (value will not be provided)

<Cavv></Cavv>

EciFlag = 07

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • ITMX (MC)

    • mada(MC)

Payload = <Payload Value>

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

Expected Results - Authentication (cmpi_authenticate response)

PAResStatus = U

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ErrorNo = 1050

<ErrorNo>1050</ErrorNo>

ErrorDesc = Error Processing PARes

<ErrorDesc>Error Processing PARes</ErrorDesc>
note
  • For potential ErrorNo values and their corresponding ErrorDesc values, please refer to: ​Centinel Core Error Codes​

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

Integration Method Specific Expected Results

Cardinal Cruise API

On the Lookup Response, StepUpUrl will be returned

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

Sample Lookup Response Message

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

Sample Authenticate Response Message

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

Supplemental Test Cases

Test Case 13: Bypassed Authentication

Scenario 

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

Authentication Experience

Frictionless

Test Values

Visa PAN: 
2.1.0 : 4000000000001083

2.2.0 : 4000000000002560

Mastercard PAN:

2.1.0 : 5200000000001088

2.2.0 : 5200000000002508

American Express PAN:

2.1.0 : 340000000001080

2.2.0 : 340000000002948

Discover (Diners Club) PAN:

2.1.0 : 6011000000001085

JCB PAN:

2.1.0 : 3337000000000537

2.2.0 : 3338000000000122

Cartes Bancaires (Visa) PAN:

2.1.0 : 4000000000003089

2.2.0 : 4000000000004400

Lookup Request (cmpi_lookup) → CardType = CB

Cartes Bancaires (MC) PAN: 

2.1.0 : 5200000000003084

2.2.0 : 5200000000004991

Lookup Request (cmpi_lookup) → CardType = CB

ELO PAN:

2.1.0 : 6505290000001226

UnionPay PAN:

2.1.0 : 6200010000800080

Lookup Request (cmpi_lookup) → CardType = UPI

ITMX (Visa) PAN:

2.1.0 : 4632082100000211

Lookup Request (cmpi_lookup) → CardType = ITMX

ITMX (MC) PAN:

2.1.0 : 5577550121000190

Lookup Request (cmpi_lookup) → CardType = ITMX

eftpos (Visa) PAN:

2.1.0 : 4000000000005084

Lookup Request (cmpi_lookup) → CardType = EFTPOS

eftpos (MC) PAN:

2.1.0 : 5200000000005980

Lookup Request (cmpi_lookup) → CardType = EFTPOS

mada (Visa) PAN:

2.2.0 : 4000000000008260

Lookup Request (cmpi_lookup) → CardType = mada

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

mada (MC) PAN:

2.2.0 : 5200000000008150

Lookup Request (cmpi_lookup) → CardType = mada

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

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = B

<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:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

    • JCB

    • Cartes Bancaires (Visa)

    • ELO

    • UnionPay

    • ITMX (Visa and MC)

    • eftpos (Visa and MC)

    • mada(Visa)

  • 00

    • Mastercard

    • Cartes Bancaires (MC)

    • mada(MC)

ACSUrl = (value will not be provided)

<ACSUrl></ACSUrl>

Payload = (value will not be provided)

<Payload></Payload>

ErrorNo = 0

<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.

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Sample Messages

Sample Lookup Request Message

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

Sample Lookup Response Message

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


Test Case 14: MethodURL Implementation Check

Scenario 

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

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

  1. BIN/PAN Requirement
    The BIN provided must not exceed 8 digits unless a merchant uses Data Exchange API in which case a full PAN needs to be passed.

  2. 7 second wait
    There will be a seven second delay between the DDC request and response. The cmpi_lookup should only be invoked after the DDC response.

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

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

Authentication Experience

N/A

Test Values

Visa PAN: 4000100000000000

Expected Results - Lookup Response (cmpi_lookup)

Enrolled = Y

<Enrolled>Y</Enrolled>

PAResStatus = Y

<PAResStatus>Y</PAResStatus>

CAVV = <CAVV value>

<Cavv>Y2FyZGluYWxjb21tZXJjZWF1dGg=</Cavv>

EciFlag = <ECI value>

<EciFlag>07</EciFlag>

Expected ECI Values grouped by Network:

  • 05

    • Visa

ACSUrl = (value will not be provided)

<ACSUrl></ACSUrl>

Payload = (value will not be provided)

<Payload></Payload>

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

<ErrorDesc></ErrorDesc>

Warning = ErrorMessage1; ErrorMessage2; ...

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

Sample Messages

Sample Lookup Request Message

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

Sample Failure Response

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

Sample Successful Response

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

Test Case Matrix

Test Case

Network

ECI

Enrolled

PAResStatus

Lookup / Authenticate

CAVV?

ErrorNo

ActionCode

1

Visa

05

Y

Y

Y

0

SUCCESS

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

mada (Visa)

Mastercard

02

Cartes Bancaires (MC)

mada (MC)

2

Visa

07

Y

N

N

0

FAILURE

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

mada (Visa)

Mastercard

00

Cartes Bancaires (MC)

mada (MC)

3

Visa

06

Y

A

Y

0

SUCCESS

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

01

Cartes Bancaires (MC)

4

Visa

07

Y

U

N

0

NOACTION

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

mada (Visa)

Mastercard

00

Cartes Bancaires (MC)

mada (MC)

5

Visa

07

Y

R

N

0

FAILURE

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

mada (Visa)

Mastercard

00

Cartes Bancaires (MC)

mada (MC)

6

Visa

07

U

N

0

NOACTION

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

mada (Visa)

Mastercard

00

Cartes Bancaires (MC)

mada (MC)

7

Visa

07

U

N

1001

NOACTION

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

00

Cartes Bancaires (MC)

8

Visa

07

U

N

2860

ERROR

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

00

Cartes Bancaires (MC)

9

Visa

05

Y

C

Y

Y

0

SUCCESS

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

02

Cartes Bancaires (MC)

10

Visa

07

Y

C

N

N

0

FAILURE

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

00

Cartes Bancaires (MC)

11

Visa

07

Y

C

U

N

0

NOACTION

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

00

Cartes Bancaires (MC)

12

Visa

07

Y

C

U

N

1050

ERROR

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

00

Cartes Bancaires (MC)

13

Visa

07

B

N

0

NOACTION

American Express

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

00

Cartes Bancaires (MC)

14

Visa

05

Y

Y or C

Y

0

SUCCESS

American Express

N/A

Discover (Diners Club)

JCB

Cartes Bancaire (Visa)

ELO

UnionPay

ITMX (Visa and MC)

eftpos (Visa and MC)

Mastercard

Cartes Bancaires (MC)

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