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3D Secure 2 Test Cases

The test cards listed in this section can be used by merchants that makes use of the iVeri Gateway for 3D secure authentication and Authorisation/Debit but can also be used by merchants that make use of the iVeri Gateway for Authorisation messages only.

Things to note about the test cards:

  • CVV not required

  • Expiry must be current or future date 

BANKSERV MPI 


Nedbank and I&M Bank merchants can use the following test cards for 3D secure authentication calls:

Frictionless Full Authentication

Scenario 1

Authenticated Frictionless Transaction

Test Values

Visa:4069425217889137

MC:5163426869252246
Expiry Date: Current or future date

Expected results

ThreeDSecure_RequestID                    {B5609393-410F-4E6B-B83E-4ADE7443F609}

ThreeDSecure_VEResEnrolled                                            Y

ThreeDSecure_ProtocolVersion                                      2.1.0

 ThreeDSecure_AuthenticationType

                 01

ThreeDSecure_DSTransID                      fafd7e7e-8f43-440a-8b1f-07da705029de

CardHolderAuthenticationID                uE3eoyx9TB2QJPOY7u22/uTRiT4=

CardHolderAuthenticationData            AJkBADJAQgAAABOIcQECdISCkYQ=

MerchantReference                                   3DS2:20220412.0422

PAN                                                                4069........9137

Merchant Data

ElectronicCommerceIndicator               ThreeDSecure

ResultCode                                                        0

ResultDescription:  

ApplicationID:                              

Amount:                                                           5000

Currency:                                                        ZAR

JWT:  

ExpiryDate                                                    092025

 

Action:  Merchant should proceed with the authorization message


Failed Frictionless Authentication

Scenario 2

Failed Frictionless Transaction

Test Values

Visa: 4069421358347845

MC: 5178872338408971
Expiry Date: Current or future date

Expected results 

ApplicationID:

MerchantReference                   3DS2:20220412.0422

MerchantData          

Amount:   5000

Currency:  ZAR

ResultCode: -7

ResultDescription: Invalid authentication data

ThreeDSecure_RequestID       {6BD9C29F-FB3A-4313-97B2-B40F73356FBE}

Action:  Merchant should NOT proceed with the authorization message


Challenge Full Authentication

Scenario 3

Authenticated Challenged Transaction

Test Values

Visa: 4895749143709709

MC: 5192602720584796

issuer ACS Password: test123

Expected Results

ThreeDSecure_RequestID

{5273A72E-1E50-4620-8846-952D151C52F8}

ThreeDSecure_VEResEnrolled

Y

ThreeDSecure_ProtocolVersion

2.1.0

ThreeDSecure_DSTransID

2ce5ff9c-706a-4779-9fd2-da14a912dad7

ThreeDSecure_AuthenticationType

  01

CardHolderAuthenticationID

86n92qMCWIercKk9Fj7fzkG93+0=

CardHolderAuthenticationData

AAEBCHlghgAAAAfQcQFGdISCkYQ=

MerchantReference

3DS2:20220412.0422

PAN

4895……..9709

Merchant Data

ElectronicCommerceIndicator:

ThreeDSecure

ResultCode:

0

ResultDescription:

ApplicationID:

Amount:

2000

Currency:

ZAR

JWT:

ExpiryDate

062025

 

Action: Merchant should proceed with the Authorisation


CYBERSOURCE MPI
CBZ Bank,  CSC Merchant can use the following test cards for 3D secure authentication calls:

Expiry:  January/Current year+3

Frictionless Authentication

Scenario 1

Successful Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1005

MasterCard: 5200 0000 0000 1005

Expected results

ElectronicCommerceIndicator: ThreeDSecureAttempted

ThreeDSecure_VEResEnrolled: Y  

ThreeDSecure_ProtocolVersion: 2.1.0    
ThreeDSecure_RequestID:

CardHolderAuthenticationID:

CardHolderAuthenticationData:

ThreeDSecure_DSTransID:

JWT:

MerchantReference:

PAN:

MerchantData

ExpiryDate:

ResultCode:

ResultDescription:

ApplicationID:

Amount:

Currency:

Action:  Merchant should proceed with the authorization message

Scenario 2

Unsuccessful Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1013

MasterCard: 5200 0000 0000 1013

Expected results

MerchantReference

ApplicationID

MerchantData

Amount

Currency

ResultCode:  -7

ResultDescription:  Invalid authentication data

ThreeDSecure_RequestID

Action:  Merchant should NOT proceed with the authorization message. Ask the customer for another form of payment.

Scenario 3

Attempts Processing Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1021

MasterCard: 5200 0000 0000 1021

Expected results 

ThreeDSecure_RequestID              

ThreeDSecure_VEResEnrolled: Y

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID              

CardHolderAuthenticationID         

CardHolderAuthenticationData    

MerchantReference         

PAN       

MerchantData   

ElectronicCommerceIndicator: ThreeDSecureAttempted

ResultCode: 0

ResultDescription             

ApplicationID      

Amount

Currency              

JWT       

ExpiryDate

 

Action:  Merchant should proceed with the authorization message

Scenario 4

Unavailable Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1039

MasterCard: 5200 0000 0000 1039

Expected results 

ThreeDSecure_RequestID           

ThreeDSecure_VEResEnrolled: Y

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID           

ElectronicCommerceIndicator: SecureChannel

ResultCode: 0

ResultDescription           

ApplicationID    

MerchantReference      

PAN      

MerchantData  

Amount              

Currency             

JWT       

ExpiryDate

Action Merchant should NOT proceed to authorization and should terminate transaction – no liability protection

Scenario 5

Rejected Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1047

MasterCard: 5200 0000 0000 1047

Expected results

ApplicationID    

MerchantReference      

MerchantData  

Amount              

Currency             

ResultCode: -7

ResultDescription: Invalid authentication data

ThreeDSecure_RequestID

Action Merchant should NOT proceed with the authorization message. Ask the customer for another form of payment



Challenged Authentication

Scenario 1

Bypassed Authentication

Test Values

Visa4456 5300 0000 1088

MasterCard: 5200 0000 0000 1088

Expected results

ThreeDSecure_RequestID: {09F95A60-6CAF-4DCE-9DE2-6EAAA02909F8}

ElectronicCommerceIndicator: SecureChannel

ThreeDSecure_VeResEnrolled:  B

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID: b2362509-b30c-477b-9879-7b274be62c6d

ResultCode      0

ResultDescription

ApplicationID {xxxxxxxx-53F5-4AE9-ADB2-xxxxxxxxxxxx}

MerchantReference 3DS2:20220421.005

Amount 2000

Currency ZAR

JWT       

PAN 4456........1088

ExpiryDate 012025

MerchantData  

Action:  No Authentication data returned. Merchant should NOT proceed with the authorization message. Ask the customer for another form of payment

Scenario 2

 Successful Step-Up Authentication 

Test Values

Visa: 4456 5300 0000 1096

MasterCard: 5200 0000 0000 1096

Expected results


ThreeDSecure_RequestID: {BFF7BC12-70D3-4EC4-A0EB-FAC70038C597}

CardHolderAuthenticationIDMTIzNDU2Nzg5MDEyMzQ1Njc4OTA=

CardHolderAuthenticationData:  MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=

ElectronicCommerceIndicator: ThreeDSecure

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID: 603e2288-7886-46de-a6f1-4f69546e1e94

ThreeDSecure_TransactionID: YGsxy3oPA7pCuUxo2fy0

ResultCode:      0

ResultDescription     

ApplicationID: {xxxxxxxx-53F5-4AE9-ADB2-xxxxxxxxxxxx}

MerchantReference: 3DS2:20220421.005

Amount: 2000

Currency: ZAR

JWT       

PAN: 4456........1088

ExpiryDate: 012025

MerchantData  

Action:  Merchant should proceed with the authorization message

Scenario 3

Unsuccessful Step-Up Authentication

Test Values

Visa: 4456 5300 0000 1039

MasterCard: 5200 0000 0000 1039

Expected results 

ApplicationID : {xxxxxxxx-53F5-4AE9-ADB2-xxxxxxxxxxxx   

MerchantReference: 3DS2:20220421.001      

MerchantData  

Amount: 2000              

Currency: ZAR             

ResultCode: -7

ResultDescription: Invalid authentication data

ThreeDSecure_RequestID: {1F9A2633-33AD-4A9A-9C65-EA42219BA2FA}       

 

Action:  The merchant should NOT proceed with the authorization message. Ask the customer for another form of payment.

 


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