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.
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 cases provided below span Cardinal's coverage of ready/available networks that support 3DS protocol versions.
As part of your integration, you should verify the 3DS Method is executing properly based on your integration method and chosen method of Device Data Collection.
If Device Data Collection does not complete successfully, your authentication requests will be subject to higher risk assessments and downgrades to legacy versions of the 3-D Secure protocol.
In the event Device Data Collection and 3DS Method does not complete (and you are not providing the necessary Browser fields for an EMV 3DS transaction on the Lookup Request) you will likely see your transaction downgrade to 3DS 1.0.2 with an Enrolled value of U.
If you have coded to the Browser fields on the Lookup Request and still fail to run the 3DS Method, you would expect to see the following:
ReasonCode = 101
ReasonDesc = “Method URL was incomplete. 403”
Ultimately resulting in Enrolled=U.
The intent of this test case is to verify you have successfully implement your device data collection method and are allowing for EMV 3DS Method processing. If you have done this correctly, this transaction will result in a Frictionless Success outcomes (similar to Test Case #1).
Mastercard PAN: 5200010000000006
American Express PAN: 340001000000007
Discover (Diners Club) PAN: 6011010000000003
JCB J/Secure PAN: 3337000000000388
Cartes Bancaires (Visa) PAN: 4000000000003212
Cartes Bancaires (MC) PAN: 5200000000003217
ELO PAN: 6505050000001208
UnionPay PAN: 6200010000800205
Expected Results - Lookup Response (cmpi_lookup)
Enrolled = Y
PAResStatus = Y
XID = <XID value>
The XID value is only returned for American Express transactions