3DS 1.0 Test Cases

Owned by Jacob Gries (Unlicensed)
Last updated: Mar 07, 2023 by Chris Bohatka
9 min read

Standard 1.0 Test Cases (All Card Networks)

 

With the sunset of 3DS 1.0 across most regions around the globe, we have changed how our mock ACS will respond on 3DS 1.0 test cases. If the request meets the EMV 3DS criteria, the transaction will be routed as an EMV 3DS transaction (AReq instead of VEReq). In this case, the response returned will be an error since our mock ACS does not have context of the 1.0 test card within the EMV 3DS range.

If merchants want to run 3DS 1.0 test transactions, we recommend the EMV 3DS configuration be disabled on their profile.

 

The expiration year used in the Test Value should reflect the current year +3. 

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

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

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

Test Case 1: Successful Authentication

Scenario

Cardholder enrolled, successful authentication, successful signature verification. 

Test Values

Visa PAN: 4000000000000002

MasterCard PAN: 5200000000000007

JCB J/Secure PAN: 3520000000000922

American Express PAN: 340000000003961

Diners Club PAN: 3005000000006246

Discover (Diners Club) PAN: 6011000000000004

Expected Results - Lookup Response (cmpi_lookup)

 

 

 

 

 

Enrolled = Y

<Enrolled>Y</Enrolled>

Payload = <Payload Value>

<Payload>eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiI4MmEyZjkzMy02ZTA0LTRiOWEtOGQ5NS05ZGZlYTY0OTM3MmIiLCJhY3NUcmFuc0lEIjoiMTczNGM4MDMtZTE2OC00MTUwLTk4ZTgtMjIxYjIzOWM3NzliIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0</Payload>

ErrorNo = 0

<ErrorNo>0</ErrorNo>

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

 

 

 

 

 

 

PAResStatus = Y

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 05

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 02

    • Mastercard

XID = <XID Value>

CAVV = <CAVV Value>

ErrorNo = 0

ErrorDesc = (value will not be provided)

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Liability Shift

Yes

Test Case 2: Failed Signature

Scenario

Cardholder enrolled, successful authentication, unsuccessful signature verification.

Test Values

Visa PAN: 4000000000000010

MasterCard PAN: 5200000000000015

JCB PAN: 3520000000002811

American Express PAN: 340000000006022

Diners Club PAN: 3005000000004373

Discover PAN: 6011000000000012

Expected Results - Lookup Response (cmpi_lookup)

 

 

 

 

 

Enrolled = Y

Payload = <Payload Value>

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

PAResStatus = Y

SignatureVerification = N

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 05

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 02

    • Mastercard

XID = <XID Value>

CAVV = <CAVV Value>

ErrorNo = 0

ErrorDesc = (value will not be provided)

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should NOT continue authorization, due to the failed signature verification. Merchant should prompt for another form of payment or attempt to authenticate the consumer.

Liability Shift

No

Test Case 3: Failed Authentication

Scenario

Cardholder enrolled, unsuccessful authentication, successful signature verification. 

Test Values

Visa PAN: 4000000000000028

Mastercard PAN: 5200000000000023

JCB PAN: 3520000000009931

American Express PAN: 340000000000033

Diners Club PAN: 3005000000005925

Discover PAN: 6011000000000020

Expected Results - Lookup Response (cmpi_lookup)

 

 

 

 

 

Enrolled = Y

Payload = <Payload Value>

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

PAResStatus = N

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

XID = <XID Value>

CAVV = (value will not be provided)

ErrorNo = 0

ErrorDesc = (value will not be provided)

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

ActionCode = FAILURE

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

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

Liability Shift

No

Test Case 4: Attempts/Non-Participating

Scenario

Passive Authentication - cardholder not prompted for authentication credential.

Test Values

Visa PAN: 4000000000000101

Mastercard PAN: N/A (Mastercard will not stand in on 1.0 attempts)

JCB PAN: 3520000000004767

American Express PAN: 340000000003391

Diners Club PAN: 3005000000005271

Discover PAN: 6011000000000038

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = Y

Payload = <Payload Value>

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

 

 

 

 

Enrolled = Y

PAResStatus = A

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 06

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 01

    • Mastercard

CAVV = <CAVV Value>

XID = <XID Value>

Payload = (value will not be provided)

ErrorNo = 0

ErrorDesc = (value will not be provided)

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

ActionCode = SUCCESS

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Configuration

Merchant Action

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

Liability Shift 

Yes

Test Case 5: Timeout

Scenario

Timeout encountered while processing the cmpi_lookup transaction.

Test Values

Visa PAN: 4000000000000044

Mastercard PAN: 5200000000000049

JCB PAN: 3520000000001284

American Express PAN: 340000000008309

Diners Club PAN: 3005000000001890

Discover PAN: 6011000000000046

Expected Results - Lookup Response (cmpi_lookup)

 

 

Enrolled = <Enrolled Value>

Expected Enrolled Value grouped by Network:

  • N

    • JCB

  • B

    • Visa

    • Mastercard

    • AMEX

    • Discover (Diners Cub)

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 06

    • JCB

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

Payload = (value will not be provided)

ErrorNo = 2860

ErrorDesc = Error Processing Message Request with Directory Server

Expected Results - Authenticate Response (cmpi_authenticate)

 

cmpi_authenticate message does not apply in this case.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = ERROR

ErrorNumber = 10002

ErrorDescription = Centinel API connection error on Start.

Cardinal Cruise API

N/A

Additional Information

Merchant Action

The cmpi_lookup transaction will simulate a timeout scenario from a  response perspective. Merchant integration should handle timeout processing after 10-12 seconds and proceed with the authorization message.

Liability Shift

No

Test Case 6: Not Enrolled

Scenario

Cardholder not enrolled. Issuing Bank not participating.

Test Values

Visa PAN: 4000000000000051

Mastercard PAN: 5200000000000056

JCB PAN: 3520000000006903

American Express PAN: 340000000008135

Diners Club PAN: 3005000000007269

Discover PAN: 6011000000000053

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = N

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

  • 06

    • JCB

Payload = (value will not be provided)

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

cmpi_authenticate message does not apply in this case.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should submit the authorization with an ECI value.

Liability Shift 

No

Test Case 7: Unavailable

Scenario

Authentication unavailable (lookup message response).

Test Values

Visa PAN: 4000000000000069

Mastercard PAN: 5200000000000064

JCB PAN: 3520000000002423

American Express PAN: 340000000007780

Diners Club PAN: 3005000000006030

Discover PAN: 6011000000000061

Expected Results - Lookup Response (cmpi_lookup)

 

 

Enrolled = U

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

Payload = (value will not be provided)

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

cmpi_authenticate message does not apply in this case.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with the authorization message.

Liability Shift

No

Test Case 8: Merchant Not Active

Scenario

Merchant not able to execute transactions due to a "not active" state.

Test Values

Visa PAN: 4000000000000077

Mastercard PAN: 5200000000000072

JCB PAN: 3520000000006549

American Express PAN: 340000000008416

Diners Club PAN: 3005000000004837

Discover PAN: 6011000000000079

Expected Results - Lookup Response (cmpi_lookup)

 

 

Enrolled = U

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

Payload = (value will not be provided)

ErrorNo = 1001

ErrorDesc = Error Processing Message Request

Expected Results - Authenticate Response (cmpi_authenticate)

 

cmpi_authenticate message does not apply in this case.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should continue with the authorization and contact technical support to investigate and resolve the issue. 

Liability Shift

No

Test Case 9: cmpi_lookup error

Scenario

Error response to cmpi_lookup message.

Test Values

Visa PAN: 4000000000000085

Mastercard PAN: 5200000000000080

JCB PAN: 3520000000002175

American Express PAN: 340000000006337

Diners Club PAN: 3005000000009877

Discover PAN: 6011000000000087

Expected Results - Lookup Response (cmpi_lookup)

 

 

Enrolled = U

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

Payload = (value will not be provided)

ErrorNo = 1001

ErrorDesc = Error Processing Message Request

Expected Results - Authenticate Response (cmpi_authenticate)

 

cmpi_authenticate message does not apply in this case.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should continue with the authorization and contact technical support to investigate and resolve the issue. 

Liability Shift 

No

Test Case 10: cmpi_authenticate error

Scenario

Cardholder enrolled, error response to cmpi_authenticate message.

Test Values

Visa PAN: 4000000000000093

Mastercard PAN: 5200000000000098

JCB PAN: 3520000000006861

American Express PAN: 340000000009299

Diners Club PAN: 3005000000005602

Discover PAN: 6011000000000095

Expected Results - Lookup Response (cmpi_lookup)

 

 

 

 

 

Enrolled = Y

Payload = <Payload Value>

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

PAResStatus = (value will not be provided)

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

XID = (value will not be provided)

CAVV = (value will not be provided)

ErrorNo = 1050

ErrorDesc = Error Processing PARes

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

ActionCode = ERROR

ErrorNumber = 1050

ErrorDescription = Error Processing PARes

Cardinal Cruise API

N/A

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.

Liability Shift

No

Test Case 11: Authentication Unavailable

Scenario

Cardholder is enrolled but authentication is unavailable

Test Values

Visa PAN: 4000000000000036

Mastercard PAN: 5200000000000031

JCB PAN: 3520000000005780

American Express PAN: 340000000000116

Diners Club PAN: 3005000000007376

Discover PAN: 6011000000000103

Expected Results - Lookup Response (cmpi_lookup)

 

 

 

 

 

Enrolled = Y

Payload = <Payload Value>

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

PAResStatus = U

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

XID = <XID Value>

CAVV = (value will not be provided)

ErrorNo = 0

ErrorDesc = (value will not be provided)

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

On the Lookup Response, ACSUrl will be returned

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant can retry authentication or process authorization as merchant liability. 

Liability Shift

No

Test Case 12: Bypassed Authentication

Scenario

Bypass used to simulate a scenario where merchant has elected to bypass the consumer authentication flow via Cardinal Rules Engine configuration. 

Test Values

Visa PAN: 4000990000000004

Mastercard PAN: 5200990000000009

JCB PAN: 3500990000000001

American Express PAN: 340099000000001

Diners Club PAN: 3000990000000006

Discover PAN: 6011990000000006

Expected Results - Lookup Response (cmpi_lookup)

 

Enrolled = B

EciFlag = <ECI Value>

Expected ECI Values grouped by Network:

  • 07

    • Visa

    • JCB

    • AMEX

    • Discover (Diners Cub)

  • 00

    • Mastercard

Payload = (value will not be provided)

ErrorNo = 0

ErrorDesc = (value will not be provided)

Expected Results - Authenticate Response (cmpi_authenticate)

 

cmpi_authenticate message does not apply in this case.

Integration Method Specific Expected Results

Cardinal Cruise Standard & Hybrid

ActionCode = NOACTION

ErrorNumber = 0

ErrorDescription = Success

Cardinal Cruise API

N/A

Additional Information

Merchant Action

Merchant should proceed with authorization message.

Liability Shift

No