2.2: Frictionless Authentication Is Unsuccessful {#pa-testing-3ds-2x-unsuccess-frictionless-auth} ================================================================================================= This test verifies that cardholder authentication without a challenge by the card issuer will fail. 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 2X96 | 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 3X19 | 52XXXX XX XXXX 4538 | 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 3X14 | 4XXXXX XX XXXX 4574 | 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 XX1X XX1X | 81XXX1 XX XXXX X647 621XX3 77 X3X8 1377 | 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 2364 | 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 2364 | 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 522X | --- | 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 XX19 | --- | 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 5X19 | --- | eftpos Visa (Card Type = 070) ----------------------------- | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | 47X565 XX 1XXX XX18 | --- | 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 2X18 | 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 21XX XX1X | 557755 X1 22XX XX17 | 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 XX13 | 4632X8 22 XXXX XX12 | 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 1X43 | 669XX9 XX XXXX 2X17 | JCB J/Secure (Card Type = 007) ------------------------------ | **`3-D Secure` 2.1.0** Test Card Number | **`3-D Secure` 2.2.0** Test Card Number | |-----------------------------------------|-----------------------------------------| | --- | 3338XX XX XXXX X361 | 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 8X1X 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 8X4X 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 2276 | 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 1319 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 | |-----------------------------------------|-----------------------------------------| | --- | 4XXXXX XX XXXX 2925 | > 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 for Meeza is ` 067 `. Results for the Check Enrollment Service ---------------------------------------- Status = AUTHENTICATION_FAILED * User failed authentication. * Payer cannot be authenticated. {#pa-testing-3ds-2x-unsuccess-frictionless-auth_ul_sy1_rqd_zpb} VERes enrolled = `Y` PARes status = `N` XID = \<XID value\> (American Express only) E-Commerce Indicator (ECI) Values {#pa-testing-3ds-2x-unsuccess-frictionless-auth_section_srg_rd5_3yb} ------------------------------------------------------------------------------------------------------ This table lists the expected ECI raw value, 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 | Results for the Validation Authentication Service ------------------------------------------------- No results are returned. Action ------ Even though the merchant can still authorize a failed `3-D Secure` transaction as a non-authenticated transaction, it is not recommended to submit this transaction for authorization. Instead, ask the customer for another form of payment.