The tables below list test card numbers and customer information that can be submitted to our test bank, along with the responses that should be expected in return.
You must perform a full suite of test payments using all 3-D Secure v2 and 3-D Secure v1 cards provided below, ensure your system handles each scenario correctly and that it displays the correct message to the customer.
Do not use these credentials when processing transactions on your live site reference.
While testing, all card types are supported, but when using your live account, you will receive an error if you do not have a valid merchant number for the payment type submitted.
- A baseamount of 70000 (£700.00) will always return a declined response from the test bank.
- A baseamount of 60010 (£600.10) will always return a bank system error from the test bank.
- Using baseamount 1050 (£10.50) will not generate an error.
3-D Secure version 2
The following payment credentials can be used for testing 3-D Secure v2 (a form of SCA):
| (3DSv2) Test Case 1: Successful Frictionless 3-D Secure Authentication & Successful Authorisation |
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| Successful frictionless authentication representing the cardholder being authenticated by their card issuer. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001007 | THREEDQUERY Enrolled: Y Status: Y AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001002 | |
| JCB | 3337000000000008 | |
| MASTERCARD | 5200000000001005 | |
| VISA (3-D Secure v2.1.0) | 4000000000001000 | |
| VISA (3-D Secure v2.2.0) | 4000000000002701 | |
| (3DSv2) Test Case 2: Failed Frictionless 3-D Secure Authentication & Failed Authorisation |
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| Authentication failed by card issuer without challenge. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001015 | THREEDQUERY Enrolled: Y Status: N AUTH Error code: 60022 – Unauthenticated |
| DINERS / DISCOVER | 6011000000001010 | |
| JCB | 3337000000000990 | |
| MASTERCARD | 5200000000001013 | |
| VISA (3-D Secure v2.1.0) | 4000000000001018 | |
| VISA (3-D Secure v2.2.0) | 4000000000002925 | |
| (3DSv2) Test Case 3: Attempts Stand-In Frictionless 3-D Secure Authentication & Successful Authorisation |
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| Cardholder is enrolled in 3-D Secure, however the card issuer is not supporting the program, resulting in a stand-in authentication experience. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001023 | THREEDQUERY Enrolled: Y Status: A AUTH Error code: 0 -Ok |
| DINERS / DISCOVER | 6011000000001028 | |
| JCB | 3337000000007045 | |
| MASTERCARD | 5200000000001021 | |
| VISA (3-D Secure v2.1.0) | 4000000000001026 | |
| VISA (3-D Secure v2.2.0) | 4000000000002719 | |
| (3DSv2) Test Case 4: Unavailable Frictionless 3-D Secure Authentication from the Issuer & Successful Authorisation |
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| Authentication is unavailable at the current time. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001031 | THREEDQUERY Enrolled: Y Status: U AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001036 | |
| JCB | 3337000000000735 | |
| MASTERCARD | 5200000000001039 | |
| VISA (3-D Secure v2.1.0) | 4000000000001034 | |
| VISA (3-D Secure v2.2.0) | 4000000000002313 | |
| (3DSv2) Test Case 5: Rejected Frictionless 3-D Secure Authentication by the Issuer & Failed Authorisation |
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| Rejected authentication by the card issuer not requiring a challenge. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001049 | THREEDQUERY Enrolled: Y Status: R AUTH Error code: 60022 – Unauthenticated |
| DINERS / DISCOVER | 6011000000001044 | |
| JCB | 3337000000000321 | |
| MASTERCARD | 5200000000001047 | |
| VISA (3-D Secure v2.1.0) | 4000000000001042 | |
| VISA (3-D Secure v2.2.0) | 4000000000002537 | |
| (3DSv2) Test Case 6: 3-D Secure Authentication Not Available on Lookup & Successful Authorisation |
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| Authentication not available on lookup due to a system error. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001056 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001051 | |
| JCB | 3337000000006765 | |
| MASTERCARD | 5200000000001054 | |
| VISA (3-D Secure v2.1.0) | 4000000000001059 | |
| VISA (3-D Secure v2.2.0) | 4000000000002990 | |
| (3DSv2) Test Case 7: Error on Lookup & Successful Authorisation |
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| An error occurred downstream while attempting authentication processing. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001064 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001069 | |
| JCB | 3337000000000016 | |
| MASTERCARD | 5200000000001062 | |
| VISA (3-D Secure v2.1.0) | 4000000000001067 | |
| VISA (3-D Secure v2.2.0) | 4000000000002446 | |
| (3DSv2) Test Case 8: Timeout on cmpi_lookup Transaction & Successful Authorisation |
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| Timeout encountered while processing the cmpi_lookup message, resulting in an error on the transaction. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001072 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001077 | |
| JCB | 3337000000000081 | |
| MASTERCARD | 5200000000001070 | |
| VISA (3-D Secure v2.1.0) | 4000000000001075 | |
| VISA (3-D Secure v2.2.0) | 4000000000002354 | |
| (3DSv2) Test Case 9: Successful Step Up 3-D Secure Authentication & Successful Authorisation |
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| Successful traditional step up (challenge) authentication transaction. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001098 | THREEDQUERY Enrolled: Y Status: C AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001093 | |
| JCB | 3337000000200004 | |
| MASTERCARD | 5200000000001096 | |
| VISA (3-D Secure v2.1.0) | 4000000000001091 | |
| VISA (3-D Secure v2.2.0) | 4000000000002503 | |
| (3DSv2) Test Case 10: Failed Step Up 3-D Secure Authentication & No Authorisation |
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| Traditional step up (challenge) authentication transaction with failed cardholder challenge. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001106 | THREEDQUERY Enrolled: Y Status: C AUTH Not performed |
| DINERS / DISCOVER | 6011000000001101 | |
| JCB | 3337000000200087 | |
| MASTERCARD | 5200000000001104 | |
| VISA (3-D Secure v2.1.0) | 4000000000001109 | |
| VISA (3-D Secure v2.2.0) | 4000000000002370 | |
| (3DSv2) Test Case 11: Step Up 3-D Secure Authentication is Unavailable & Successful Authorisation |
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| Step up authentication is unavailable. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001114 | THREEDQUERY Enrolled: Y Status: C AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001119 | |
| JCB | 3337000000200079 | |
| MASTERCARD | 5200000000001112 | |
| VISA (3-D Secure v2.1.0) | 4000000000001117 | |
| VISA (3-D Secure v2.2.0) | 4000000000002420 | |
| (3DSv2) Test Case 12: Error on 3-D Secure Authentication & No Authorisation |
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| A system error occurred while attempting to process the authentication request. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001122 | THREEDQUERY Enrolled: Y Status: C AUTH Not performed |
| DINERS / DISCOVER | 6011000000001127 | |
| JCB | 3337000000200046 | |
| MASTERCARD | 5200000000001120 | |
| VISA (3-D Secure v2.1.0) | 4000000000001125 | |
| VISA (3-D Secure v2.2.0) | 4000000000002644 | |
| (3DSv2) Test Case 13: Bypassed 3-D Secure Authentication & Successful Authorisation |
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| A decision has been made to bypass the issuer-requested challenge for this transaction. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001080 | THREEDQUERY Enrolled: B Status: None AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001085 | |
| JCB | 3337000000000537 | |
| MASTERCARD | 5200000000001088 | |
| VISA (3-D Secure v2.1.0) | 4000000000001083 | |
| VISA (3-D Secure v2.2.0) | 4000000000002560 | |
3-D Secure version 1
The following payment credentials can be used for testing 3-D Secure v1 (a form of SCA):
| (3DSv1) Test Case 1: Successful 3-D Secure Authentication & Successful Authorisation |
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| Cardholder enrolled; successful authentication; successful signature verification. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000003961 | THREEDQUERY Enrolled: Y Status: None AUTH Error code: 0 – Ok |
| DINERS | 3005000000006246 | |
| DISCOVER | 6011000000000004 | |
| JCB | 3520000000000922 | |
| MASTERCARD | 5200000000000007 | |
| VISA | 4000000000000002 | |
| (3DSv1) Test Case 2: Failed Signature & No Authorisation |
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| Cardholder enrolled; successful authentication; unsuccessful signature verification. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000006022 | THREEDQUERY Enrolled: Y Status: None AUTH Not performed |
| DINERS | 3005000000004373 | |
| DISCOVER | 6011000000000012 | |
| JCB | 3520000000002811 | |
| MASTERCARD | 5200000000000015 | |
| VISA | 4000000000000010 | |
| (3DSv1) Test Case 3: Failed Authentication & No Authorisation |
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| Cardholder enrolled; unsuccessful authentication; successful signature verification. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000000033 | THREEDQUERY Enrolled: Y Status: None AUTH Not performed |
| DINERS | 3005000000005925 | |
| DISCOVER | 6011000000000020 | |
| JCB | 3520000000009931 | |
| MASTERCARD | 5200000000000023 | |
| VISA | 4000000000000028 | |
| (3DSv1) Test Case 4: Attempts/Non-Participating & Successful Authorisation |
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| Passive authentication – cardholder not prompted for authentication credentials. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000003391 | THREEDQUERY Enrolled: Y Status: A AUTH Error code: 0 – Ok |
| DINERS | 3005000000005271 | |
| DISCOVER | 6011000000000038 | |
| JCB | 3520000000004767 | |
| MASTERCARD | 5200000000000908 | |
| VISA | 4000000000000101 | |
| (3DSv1) Test Case 5: Timeout |
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| Timeout encountered while processing the cmpi_lookup transaction. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000008309 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS | 3005000000001890 | |
| DISCOVER | 6011000000000046 | |
| JCB | 3520000000001284 | |
| MASTERCARD | 5200000000000049 | |
| VISA | 4000000000000044 | |
| (3DSv1) Test Case 6: Not Enrolled & Successful Authorisation |
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| Cardholder not enrolled. Issuing bank not participating. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000008135 | THREEDQUERY Enrolled: N Status: None AUTH Error code: 0 – Ok |
| DINERS | 3005000000007269 | |
| DISCOVER | 6011000000000053 | |
| JCB | 3520000000006903 | |
| MASTERCARD | 5200000000000056 | |
| VISA | 4000000000000051 | |
| (3DSv1) Test Case 7: Unavailable & Successful Authorisation |
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| Authentication unavailable (lookup message response). | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000007780 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS | 3005000000006030 | |
| DISCOVER | 6011000000000061 | |
| JCB | 3520000000002423 | |
| MASTERCARD | 5200000000000064 | |
| VISA | 4000000000000069 | |
| (3DSv1) Test Case 8: Merchant Not Active & Successful Authorisation |
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| Merchant not able to execute transactions due to a “not active” state. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000008416 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS | 3005000000004837 | |
| DISCOVER | 6011000000000079 | |
| JCB | 3520000000006549 | |
| MASTERCARD | 5200000000000072 | |
| VISA | 4000000000000077 | |
| (3DSv1) Test Case 9: cmpi_lookup error & Successful Authorisation |
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| Error response to cmpi_lookup message. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000006337 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS | 3005000000009877 | |
| DISCOVER | 6011000000000087 | |
| JCB | 3520000000002175 | |
| MASTERCARD | 5200000000000080 | |
| VISA | 4000000000000085 | |
| (3DSv1) Test Case 10: cmpi_authenticate error & No Authorisation |
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| Cardholder enrolled; error response to cmpi_authenticate message. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000009299 | THREEDQUERY Enrolled: Y Status: None AUTH Not performed |
| DINERS | 3005000000005602 | |
| DISCOVER | 6011000000000095 | |
| JCB | 3520000000006861 | |
| MASTERCARD | 5200000000000098 | |
| VISA | 4000000000000093 | |
| (3DSv1) Test Case 11: Authentication Unavailable & Successful Authorisation |
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| Cardholder is enrolled but authentication is unavailable. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000000116 | THREEDQUERY Enrolled: Y Status: None AUTH Error code: 0 – Ok |
| DINERS | 3005000000007376 | |
| DISCOVER | 6011000000000103 | |
| JCB | 3520000000005780 | |
| MASTERCARD | 5200000000000031 | |
| VISA | 4000000000000036 | |
| (3DSv1) Test Case 12: Bypassed Authentication & Successful Authorisation |
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| Bypass used to simulate a scenario where merchant has elected to bypass the consumer authentication flow via Cardinal Rules Engine configuration. | ||
| Card type | PAN | Handling the response |
| AMEX | 340099000000001 | THREEDQUERY Enrolled: B Status: None AUTH Error code: 0 – Ok |
| DINERS | 3000990000000006 | |
| DISCOVER | 6011990000000006 | |
| JCB | 3500990000000001 | |
| MASTERCARD | 5200990000000009 | |
| VISA | 4000990000000004 | |
If you wish to test 3-D Secure version 1 transactions using our classic MPI, click here to view the relevant test PANs.
3-D Secure status testing
To test for different 3-D Secure status values, follow the instructions displayed in the authentication prompt shown on the page (an example is shown below). In the textbox provided, you can enter different PIN values to test for different cases.
Displaying the test ACS page
For Payment Pages:
With 3-D Secure enabled on your site reference, process a payment using one of the card numbers listed above and your browser will display an authentication prompt with instructions.
For JavaScript Library implementations:
After your payment form has been updated to reference our JavaScript library, process a payment using one of the card numbers listed above and your browser will display an authentication prompt with instructions.
For Mobile SDK implementations:
After your Android or iOS app has been updated to utilise our Mobile SDK, process a payment using one of the card numbers listed above and your app will display an authentication prompt with instructions.
The authentication prompt will only be displayed for non-frictionless test card details
Frictionless cards will bypass authentication. In this case, the payment will be processed immediately (without being prompted by the browser for information).
Follow the instructions displayed within the authentication prompt to complete the payment:
When the status is “N”, indicating the customer failed authentication, the errorcode “60022” will be returned.
Testing AVS and security code checks
If you haven’t already, please read our AVS and Security code documentation before testing.
The following tables list test details that can be submitted to obtain different responses from the AVS and Security Code Checks. These details can be used with most major payment types.
Only the billing premise, billing postcode and security code field values dictate the outcome of the AVS and security code checks performed. As such, entering any details into the other address fields will not affect the outcome of these checks.
Premise
| Billing premise | Security response | Security response caption |
| No 789 | 2 | Matched |
| No 123 | 4 | Not Matched |
| No 333 | 1 | Not Checked |
| Leave blank | 0 | Not Given |
Postcode / ZIP code
| Billing postcode | Security response | Security response caption | |
| UK | US | ||
| TR45 6ST | 55555 | 2 | Matched |
| TR12 3ST | 12345 | 4 | Not Matched |
|
TR33 3ST
|
33333 | 1 | Not Checked |
| Leave blank | Leave blank | 0 | Not Given |
Security code
| Security code | AMEX security code | Security response | Security response |
| 123 | 1234 | 2 | Matched |
| 214 | 2144 | 4 | Not Matched |
| 333 | 3333 | 1 | Not Checked |
| Leave blank | Leave blank | 0 | Not Given |