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

1 Frictionless Test Cases
- 1.1 Test Case 1: Successful Frictionless Authentication
  - 1.1.1 Sample Messages
    - 1.1.1.1 Sample Lookup Request Message
- 1.2 Test Case 2: Failed Frictionless Authentication
  - 1.2.1 Sample Messages
    - 1.2.1.1 Sample Lookup Request Message
- 1.3 Test Case 3: Attempts Stand-In Frictionless Authentication
  - 1.3.1 Sample Messages
    - 1.3.1.1 Sample Lookup Request Message
- 1.4 Test Case 4: Unavailable Frictionless Authentication from the Issuer
  - 1.4.1 Sample Messages
    - 1.4.1.1 Sample Lookup Request Message
- 1.5 Test Case 5: Rejected Frictionless Authentication by the Issuer
  - 1.5.1 Sample Messages
    - 1.5.1.1 Sample Lookup Request Message
- 1.6 Test Case 6: Authentication Not Available on Lookup
  - 1.6.1 Sample Messages
    - 1.6.1.1 Sample Lookup Request Message
- 1.7 Test Case 7: Error on Lookup
  - 1.7.1 Sample Messages
    - 1.7.1.1 Sample Lookup Request Message
- 1.8 Test Case 8: Timeout on cmpi_lookup Transaction
  - 1.8.1 Sample Messages
    - 1.8.1.1 Sample Lookup Request Message
2 Challenge Test Cases
- 2.1 Test Case 9: Successful Step Up Authentication
  - 2.1.1 Sample Messages
    - 2.1.1.1 Sample Lookup Request Message
- 2.2 Test Case 10: Failed Step Up Authentication
  - 2.2.1 Sample Messages
    - 2.2.1.1 Sample Lookup Request Message
- 2.3 Test Case 11: Step Up Authentication is Unavailable
  - 2.3.1 Sample Messages
    - 2.3.1.1 Sample Lookup Request Message
- 2.4 Test Case 12: Error on Authentication
  - 2.4.1 Sample Messages
    - 2.4.1.1 Sample Lookup Request Message
3 Supplemental Test Cases
- 3.1 Test Case 13: Bypassed Authentication
  - 3.1.1 Sample Messages
    - 3.1.1.1 Sample Lookup Request Message
- 3.2 Test Case 14: MethodURL Implementation Check
  - 3.2.1 Sample Messages
    - 3.2.1.1 Sample Lookup Request Message
4 Test Case Matrix

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: 2.2.0 : 4000000000002701
	Mastercard PAN: 2.2.0 : 5200000000002235
	American Express PAN: 2.2.0 : 340000000002708
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002117
	JCB PAN: 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: 2.2.0 : 6505290000002000
	UnionPay PAN: 2.1.0 : 6200010000200000 2.2.0: 8100010000000142 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000005 2.2.0: 4632082200000004 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000000 2.2.0: 5577550122000009 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>
	EciFlag = <ECI Value> 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` ErrorDesc = (value will not be provided)
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

Sample Lookup Response Message

Test Case 2: Failed Frictionless Authentication
Scenario	Authentication Failed by Card Issuer without Challenge
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.2.0 : 4000000000002925
	Mastercard PAN: 2.2.0 : 5200000000002276
	American Express PAN: 2.2.0 : 340000000002096
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002364
	JCB PAN: 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: 2.2.0 : 6505290000002018
	UnionPay PAN: 2.1.0 : 6200010000100010 2.2.0: 8100010000000647 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000013 2.2.0: 4632082200000012 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000018 2.2.0: 5577550122000017 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`
	PAResStatus = `N`
	XID = <XID Value> The XID value is only returned for American Express transactions
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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` ErrorDesc = (value will not be provided)
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

Sample Lookup Response Message

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: 2.2.0 : 4000000000002719
	Mastercard PAN: 2.2.0 : 5200000000002482
	American Express PAN: 2.2.0 : 340000000002872
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002646
	JCB PAN: 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: 2.2.0 : 6505290000002026
	UnionPay PAN: 2.1.0: 6200010000000020 2.2.0: 8100010000000746 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000070 2.2.0: 4632082200000079 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000075 2.2.0: 5577550122000074 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`
	PAResStatus = `A`
	XID = <XID value>
	CAVV = <CAVV Value>
	EciFlag = <ECI Value> 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` ErrorDesc = (value will not be provided)
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

Sample Lookup Response Message

Test Case 4: Unavailable Frictionless Authentication from the Issuer
Scenario	Authentication is Unavailable at the current time
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.2.0 : 4000000000002313
	Mastercard PAN: 2.2.0 : 5200000000002268
	American Express PAN: 2.2.0 : 340000000002922
	Discover (Diners Club) PAN: 2.2.0: 6011000000002612
	JCB PAN: 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: 2.2.0 : 6505290000002034
	UnionPay PAN: 2.1.0 : 6200010000400030 2.2.0: 8100010000000894 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000096 2.2.0: 4632082200000095 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000091 2.2.0: 5577550122000090 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`
	PAResStatus = `U`
	XID = <XID value>
	CAVV = <BLANK>
	EciFlag = <ECI Value> 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` ErrorDesc = (value will not be provided)
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

Sample Lookup Response Message

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: 2.2.0 : 4000000000002537
	Mastercard PAN: 2.2.0 : 5200000000002185
	American Express PAN: 2.2.0 : 340000000002062
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002711
	JCB PAN: 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: 2.2.0 : 6505290000002083
	UnionPay PAN: 2.1.0 : 6200010000300040 2.2.0: 8100010000000415 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000120 2.2.0: 4632082200000103 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000125 2.2.0: 5577550122000108 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`
	PAResStatus = `R`
	XID = <XID Value>
	CAVV = <BLANK>
	EciFlag = <ECI Value> 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` ErrorDesc = (value will not be provided)
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

Sample Lookup Response Message

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: 2.2.0 : 4000000000002990
	Mastercard PAN: 2.2.0 : 5200000000002409
	American Express PAN: 2.2.0 : 340000000002468
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002836
	JCB PAN: 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: 2.2.0 : 6505290000002091
	UnionPay PAN: 2.1.0 : 6200010000600050 2.2.0: 8100010000000795 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000138 2.2.0: 4632082200000145 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000141 2.2.0: 5577550122000124 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`
	PAResStatus = (value will not be provided)
	XID = (value will not be provided)
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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` ErrorDesc = (value will not be provided)
	ReasonCode = `101` ReasonDesc = `Invalid Formatted Message Invalid Formatted Message`
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

Sample Lookup Response Message

Test Case 7: Error on Lookup
Scenario	An Error occurred downstream while attempting Authentication processing
Authentication Experience	Frictionless
Test Values	Visa PAN: 2.2.0 : 4000000000002446
	Mastercard PAN: 2.2.0 : 5200000000002037
	American Express PAN: 2.2.0 : 340000000002732
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002315
	JCB PAN: 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: 2.2.0: 6505290000002109
	UnionPay PAN: 2.1.0 : 6200010000500060 2.2.0: 8100010000000662 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000153 2.2.0: 4632082200000152 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000174 2.2.0: 5577550122000132 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`
	PAResStatus = (value will not be provided)
	XID = (value will not be provided)
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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` ErrorDesc = `Error Processing Message Request`
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

Sample Lookup Response Message

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: 2.2.0 : 4000000000002354
	Mastercard PAN: 2.2.0 : 5200000000002326
	American Express PAN: 2.2.0 : 340000000002047
	Discover (Diners Club) PAN: 2.2.0: 6011000000002869
	JCB PAN: 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: 2.2.0 : 6505290000002125
	UnionPay PAN: 2.1.0 : 6200010000900070 2.2.0: 8100010000000928 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000187 2.2.0: 4632082200000178 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000182 2.2.0: 5577550122000140 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`
	PAResStatus = (value will not be provided)
	XID = (value will not be provided)
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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` ErrorDesc = `Error Processing Message Request with Directory Server`
	Two additional fields will be returned on the Lookup Response identifying this scenario. ReasonCode = 402 ReasonDesc = Transaction Timed Out
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

Sample Lookup Response Message

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: 2.2.0 : 4000000000002503
	Mastercard PAN: 2.2.0 : 5200000000002151
	American Express PAN: 2.2.0 : 340000000002534
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002265
	JCB PAN: 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: 2.2.0 : 6505290000002190
	UnionPay PAN: 2.1.0 : 6200019999800019 2.2.0: 8100010000000688 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000021 2.2.0: 4632082200000020 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000026 2.2.0: 5577550122000025 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`
	PAResStatus = `C`
	XID = <XID Value>
	CAVV = (value will not be provided)
	EciFlag = `07` 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>
	ErrorNo = `0`
	ErrorDesc = (value will not be provided)
Expected Results - Authentication (cmpi_authenticate response)
	PAResStatus = `Y`
	XID = <XID Value>
	CAVV = <CAVV Value>
	EciFlag = <ECI Value> 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` ErrorDesc = (value will not be provided)
Integration Method Specific Expected Results
Cardinal Cruise API	On the Lookup Response, StepUpUrl will be returned
Additional Information
Merchant Action	Merchant should append the Cavv and EciFlag values to the authorization message.

Sample Messages

Sample Lookup Request Message

Sample Lookup Response Message

Sample Authenticate Request Message

Sample Authenticate Response Message

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: 2.2.0 : 4000000000002370
	Mastercard PAN: 2.2.0 : 5200000000002490
	American Express PAN: 2.2.0 : 340000000002237
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002695
	JCB PAN: 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: 2.2.0 : 6505290000002208
	UnionPay PAN: 2.1.0 : 6200019999700029 2.2.0: 8100010000000803 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000039 2.2.0: 4632082200000038 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000034 2.2.0: 5577550122000033 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`
	PAResStatus = `C`
	XID = (value will not be provided)
	CAVV = (value will not be provided)
	EciFlag = `07` 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>
	ErrorNo = `0` ErrorDesc = (value will not be provided)
Expected Results - Authentication (cmpi_authenticate response)
	PAResStatus = `N`
	XID = <XID Value>
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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`
	ErrorDesc = (value will not be provided)
	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`
	PAResStatus = `N`
	EciFlag = <ECI Value> 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
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

Sample Lookup Response Message

Sample Authenticate Request Message

Sample Authenticate Response Message

Test Case 11: Step Up Authentication is Unavailable
Scenario	Step Up authentication is unavailable
Authentication Experience	Challenge
Test Values	Visa PAN: 2.2.0 : 4000000000002420
	Mastercard PAN 2.2.0 : 5200000000002664
	American Express PAN: 2.2.0 : 340000000002484
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002851
	JCB PAN: 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: 2.2.0 : 6505290000002257
	UnionPay PAN: 2.1.0 : 6200019999600039 2.2.0: Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000047 2.2.0: 4632082200000046 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000042 2.2.0: 5577550122000041 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`
	PAResStatus = `C`
	XID = (value will not be provided)
	CAVV = (value will not be provided)
	EciFlag = `07` 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>
	ErrorNo = `0` ErrorDesc = (value will not be provided)
Expected Results - Authentication (cmpi_authenticate response)
	PAResStatus = `U`
	XID = <XID Value>
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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`
	ErrorDesc = (value will not be provided)
Integration Method Specific Expected Results
Cardinal Cruise API	On the Lookup Response, StepUpUrl will be returned
Additional Information
Merchant Action	Merchant can retry authentication or process authorization as merchant liability.

Sample Messages

Sample Lookup Request Message

Sample Lookup Response Message

Sample Authenticate Request Message

Sample Authenticate Response Message

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: 2.2.0 : 4000000000002644
	Mastercard PAN: 2.2.0 : 5200000000002656
	American Express PAN: 2.2.0 : 340000000002351
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002570
	JCB PAN: 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: 2.2.0 : 6505290000002265
	UnionPay PAN: 2.1.0 : 6200019999400059 2.2.0 : 8100010000000159 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000062 2.2.0 : 4632082200000061 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000067 2.2.0 : 5577550122000066 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`
	PAResStatus = `C`
	XID = (value will not be provided)
	CAVV = (value will not be provided)
	EciFlag = `07` 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>
	ErrorNo = `0` ErrorDesc = (value will not be provided)
Expected Results - Authentication (cmpi_authenticate response)
	PAResStatus = `U`
	XID = <XID Value>
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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` ErrorDesc = `Error Processing PARes`
Integration Method Specific Expected Results
Cardinal Cruise API	On the Lookup Response, StepUpUrl will be returned
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

Sample Lookup Response Message

Sample Authenticate Request Message

Sample Authenticate Response Message

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: 2.2.0 : 4000000000002560
	Mastercard PAN: 2.2.0 : 5200000000002508
	American Express PAN: 2.2.0 : 340000000002948
	Discover (Diners Club) PAN: 2.2.0 : 6011000000002976
	JCB PAN: 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: 2.2.0 : 6505290000002166
	UnionPay PAN: 2.1.0 : 6200010000800080 2.2.0: 8100010000000985 Lookup Request (cmpi_lookup) → CardType = UPI
	ITMX (Visa) PAN: 2.1.0 : 4632082100000211 2.2.0 : 4632082200000186 Lookup Request (cmpi_lookup) → CardType = ITMX
	ITMX (MC) PAN: 2.1.0 : 5577550121000190 2.2.0: 5577550122000157 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`
	PAResStatus = (value will not be provided)
	XID = <XID Value>
	CAVV = (value will not be provided)
	EciFlag = <ECI Value> 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)
	Payload = (value will not be provided)
	ErrorNo = `0`
	ErrorDesc = (value will not be provided)
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

Sample Lookup Response Message

Test Case 14: MethodURL Implementation Check
Scenario	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: 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. 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`
	PAResStatus = `Y`
	CAVV = <CAVV value>
	EciFlag = <ECI value> Expected ECI Values grouped by Network: 05 Visa
	ACSUrl = (value will not be provided)
	Payload = (value will not be provided)
	ErrorNo = `0` ErrorDesc = (value will not be provided)
	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

Sample Failure Response

Sample Failure Response

Sample Successful Response

Sample Successful Response

Test Case Matrix

Test Case	Network	ECI	Enrolled	PAResStatus Lookup / Authenticate		CAVV?	ErrorNo	ActionCode

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)	01
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)	00
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)	00
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)	02
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)	00
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)	00
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)	00
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)	00
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)

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

EMV 3DS Test Cases

Important test notes:

Frictionless Test Cases

Test Case 1: Successful Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 2: Failed Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 3: Attempts Stand-In Frictionless Authentication

Sample Messages

Sample Lookup Request Message

Test Case 4: Unavailable Frictionless Authentication from the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 5: Rejected Frictionless Authentication by the Issuer

Sample Messages

Sample Lookup Request Message

Test Case 6: Authentication Not Available on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 7: Error on Lookup

Sample Messages

Sample Lookup Request Message

Test Case 8: Timeout on cmpi_lookup Transaction

Sample Messages

Sample Lookup Request Message

Challenge Test Cases

Test Case 9: Successful Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 10: Failed Step Up Authentication

Sample Messages

Sample Lookup Request Message

Test Case 11: Step Up Authentication is Unavailable

Sample Messages

Sample Lookup Request Message

Test Case 12: Error on Authentication

Sample Messages

Sample Lookup Request Message

Supplemental Test Cases

Test Case 13: Bypassed Authentication

Sample Messages

Sample Lookup Request Message

Test Case 14: MethodURL Implementation Check

Sample Messages

Sample Lookup Request Message

Test Case Matrix