2.5: Frictionless Authentication Is Rejected {#reference_qch_ztd_zpb} ===================================================================== This test verifies how your system reacts when authentication rejects the cardholder without a challenge by the issuer. Card Numbers ------------ American Express (Card Type = 003) ---------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | --- | 34XXX XX XXXX 2X62 | Cartes Bancaires Mastercard (Card Type = 036) --------------------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 52XXXX XX XXXX 3X43 | 52XXXX XX XXXX 4405 | Cartes Bancaires Visa (Card Type = 036) --------------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 4XXXXX XX XXXX 3X48 | 4XXXXX XX XXXX 4517 | China UnionPay (Card Type = 062) -------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 62XXX1 XX XX3X XX4X | 81XXX1 XX XXXX X415 621XX3 X8 5745 X241 | Diners Club (Card Type = 005) ----------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | --- | 6X11XX XX XXXX 2711 | Discover (Card Type = 004) -------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | --- | 6X11XX XX XXXX 2711 | eftpos Mastercard (Card Type = 002) ----------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 52XXXX XX XXXX 555X | --- | eftpos Mastercard (Card Type = 070) ----------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 516366 XX 1XXX XX43 | --- | eftpos Visa (Card Type = 001) ----------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 4XXXXX XX XXXX 5X35 | --- | eftpos Visa (Card Type = 070) ----------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 470565 XX 1XXX XX42 | --- | Elo (Card Type = 054) --------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | --- | 65X529 XX XXXX 2X83 | ITMX Mastercard (Card Type = 002) --------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 557755 X1 21X X125 | 557755 X1 22XX X1X8 | ITMX Visa (Card Type = 001) --------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 4632X8 21 XXXX X12X | 4632X8 22 XXXX X1X3 | Jaywan (Card Type = 081) ------------------------ | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 669XX9 XX XXXX 1159 | 669XX9 XX XXXX 22X7 | JCB J/Secure (Card Type = 007) ------------------------------ | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 3337XX XX XXXX X321 | 3338XX XX XXXX X734 | mada Mastercard (Card Type = 060) --------------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | --- | 52XXXX XX XXXX 8X8X The merchant's country must be set to `SA` within the merchant profile, or the **CountryCodeOverride** field must be set to `SA` on the Lookup Request. The response will include the `3-D Secure` operator ID, DS reference number, brand authentication, and the ACS reference number. | mada Visa (Card Type = 060) --------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | --- | 4XXXXX XX XXXX 813X The merchant's country must be set to `SA` within the merchant profile, or the **CountryCodeOverride** field must be set to `SA` on the Lookup Request. The response will include the `3-D Secure` operator ID, DS reference number, brand authentication, and the ACS reference number. | Mastercard (Card Type = 002) ---------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | --- | 52XXXX XX XXXX 2185 | RuPay (Card Type = 061) ----------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | --- | 652267 XX XXXX 1913 When checking enrollment, all transactions must set the **CountryCodeOverride** field to `356`, and include the **Card Type** and **Currency Code** . For domestic transactions, you must also include values for the **Token Requestor ID** , **Token Cryptogram** , and the **Token Status Indicator** fields. | Visa (Card Type = 001) ---------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | --- | 4XXXXXXX XXXX 2537 | Results for the Check Enrollment Service ---------------------------------------- Status = AUTHENTICATION_FAILED * User failed authentication. * Payer cannot be authenticated. {#reference_qch_ztd_zpb_ul_vl4_m5d_zpb} VERes enrolled = `Y` PARes status = `R` AVV = \<No value provided\> CAAV = \<No value provided\> XID = \<XID value\> (American Express only) E-Commerce Indicator (ECI) Values {#reference_qch_ztd_zpb_section_lqp_vd5_3yb} ------------------------------------------------------------------------------ This table lists the expected ECI raw values and their respective string values. These values indicate whether the payer was authenticated by the card network. These values should be passed under this test condition when a transaction is submitted for payment authorization. | **Network** | **ECI Raw Value** | ECI String Value | |-----------------------------|-------------------|-----------------------------| | American Express | 07 | internet | | Cartes Bancaires Mastercard | 00 | internet | | Cartes Bancaires Visa | 07 | internet or vbv_failure | | China UnionPay | 07 | up3ds_failure | | Diners Club | 07 | internet | | Discover | 07 | internet | | eftpos | 07 | oci_failure | | Elo | 07 | internet | | ITMX Mastercard | 07 | lss_failure | | ITMX Visa | 07 | lss_failure | | Jaywan | 07 | oci_failure | | JCB J/Secure | 07 | internet | | mada Mastercard | 00 | mada_failure or internet | | mada Visa | 07 | mada_failure or vbv_failure | | Mastercard | 00 | internet | | RuPay | 07 | oci_failure | | Visa | 07 | internet or vbv_failure | > IMPORTANT > The Meeza card can be tested in the same manner as Mastercard using the same test card numbers. The only difference is that the card type value for Meeza is ` 067 `. Results for the Validation Authentication Service ------------------------------------------------- No results are returned. Action ------ You are not permitted to submit this transaction for authorization. Instead, ask the customer for another form of payment.