Testing card payments

The tables below list test card numbers and customer information that can be submitted using your test site reference, along with the responses that should be expected in return.

  If testing our Mobile SDK payment solution, you must use Cardinal Commerce test card details.

  Click here to view the Cardinal Commerce Testing Resources.

  Do not use these test card numbers when processing transactions on your live site reference.

  While testing, all card types are supported, but when using your live account, you may receive an error if a card type is not supported. Please contact our Support Team for further information.

 

Introduction

When testing, you can use the test card details provided below to simulate different 3DS authentication outcomes. Additionally, you can send different amount values on valid requests to affect the outcome of the response returned:

  • 700.00 will return a declined response from the test bank.
  • 600.10 will return a bank system error from the test bank.
  • 10.50 is a safe value that will not return an error on valid requests, unless the card number sent is used to simulate an error response, as described below.

  Remember that you need to set the expiry date to any valid date in the future, otherwise an invalid field error will be returned.

To pass the security code checks, please use the following values:

  • "123" for DISCOVER, MASTERCARD and VISA cards.
  • "1234" for AMEX.

You can find more info on our security code checks in this article.

 

EMV 3-D Secure Test Cases

You must perform a full suite of test payments using the EMV 3-D Secure test cases provided below, ensure your system handles each scenario correctly and that it displays the correct message to the customer:

  When testing using the cards below, the enrolled value returned will always be "Y" unless specified otherwise.

  3DS status field values "N" and "R" do not proceed to authorisation where the AUTH request is initiated using Payment Pages and/or JavaScript Library.

 

(3DSv2) Test Case 1: Successful Frictionless 3-D Secure Authentication & Successful Authorisation.
Successful frictionless authentication representing the cardholder being authenticated by their card issuer.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004001 340000000003003 THREEDQUERY
Status: Y (Authentication successful)
AUTH
Error code: 0 – Ok
DISCOVER 6573700000000009 6599999900000008
MASTERCARD 5591390000000504 5591390000000009
VISA 4900490000000501 4900490000000006

 

(3DSv2) Test Case 2: Failed Frictionless 3-D Secure Authentication & Failed Authorisation.
Authentication failed by card issuer without challenge.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004019 340000000003011

THREEDQUERY
Status: N (Authentication unsuccessful)
AUTH
Not performed

DISCOVER 6599999900000313 6599999900000016
MASTERCARD 5591390000000520 5591390000000017
VISA 4900490000000519 4900490000000014

 

(3DSv2) Test Case 3: Attempts Stand-In Frictionless 3-D Secure Authentication & Successful Authorisation.
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 v2.2.0 v2.1.0 Handling the response
AMEX 340000000004027 340000000003037 THREEDQUERY
Status: A (Authentication attempted)
AUTH
Error code: 0 -Ok
DISCOVER 6599999900000321 6599999900000024
MASTERCARD 5591390000000538 5591390000000025
VISA 4900490000000527 4900490000000030

 

(3DSv2) Test Case 4: Unavailable Frictionless 3-D Secure Authentication from the Issuer & Successful Authorisation.
Authentication is unavailable at the current time.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004035 340000000003045 THREEDQUERY
Status: U (Authentication unavailable)
AUTH
Error code: 0 – Ok
DISCOVER 6599999900000339 6599999900000040
MASTERCARD 5591390000000546 5591390000000033
VISA 4900490000000535 4900490000000048

 

(3DSv2) Test Case 5: Rejected Frictionless 3-D Secure Authentication by the Issuer & Failed Authorisation.
Rejected authentication by the card issuer not requiring a challenge.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004043 340000000003060 THREEDQUERY
Status: R (Authentication rejected)

AUTH
Not performed

DISCOVER 6599999900000347 6599999900000057
MASTERCARD 5591390000000553 5591390000000041
VISA 4900490000000543 4900490000000055

 

(3DSv2) Test Case 6a: Frictionless 3-D Secure Authentication Failed & Successful Authorisation.
Authentication failed on transaction due to permanent DS unavailability.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004050 340000000003078

THREEDQUERY
Enrolled: U (Enrolment check unavailable)
Status: None
AUTH
Error code: 0 - Ok

DISCOVER 6599999900000354 6599999900000065
MASTERCARD 5591390000000611 5591390000000140
VISA 4900490000000626 4900490000000113

 

(3DSv2) Test Case 6b: Successful Frictionless 3-D Secure Authentication After Retry & Successful Authorisation.
Authentication successful after retry when DS timeout occurred in first call.
Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004068 340000000003086 THREEDQUERY
Status: Y (Authentication successful)
AUTH
Error code: 0 - Ok
DISCOVER 6599999900000461 6599999900000073
MASTERCARD 5591390000000587 5591390000000074
VISA 4900490000000576 4900490000000089

 

(3DSv2) Test Case 9: Successful Step Up 3-D Secure Authentication & Successful Authorisation.
Successful traditional step up (challenge) authentication transaction.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004118 340000000003128 THREEDQUERY
Status: C (Authentication challenge)
AUTH
Error code: 0 – Ok
DISCOVER 6599999900000396 6599999900000107
MASTERCARD 5591390000000645 5591390000000173
VISA 4900490000000667 4900490000000147

 

(3DSv2) Test Case 10: Failed Step Up 3-D Secure Authentication & No Authorisation.
Traditional step up (challenge) authentication transaction with failed cardholder challenge.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004126 340000000003136 THREEDQUERY
Status: C (Authentication challenge)
AUTH
Not performed
DISCOVER 6599999900000404 6599999900000115
MASTERCARD 5591390000000579 5591390000000066
VISA 4900490000000568 4900490000000071

 

(3DSv2) Test Case 11: Error on Step-Up 3-D Secure Authentication & No Authorisation.
A system error occurred while attempting to process the authentication request.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004134 340000000003144 THREEDQUERY
Status: C (Authentication challenge)
AUTH
Not performed
DISCOVER 6599999900000420 6599999900000123
MASTERCARD 5591390000000595 5591390000000090
VISA 4900490000000584 4900490000000097

 

(3DSv2) Test Case 12: Successful Frictionless 3-D Secure Authentication & Successful Authorisation (with methodurl).
Successful frictionless authentication representing the cardholder being authenticated by their card issuer (with methodurl).

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004159 340000000003151 THREEDQUERY
Status: Y (Authentication successful)
AUTH
Error code: 0 – Ok
DISCOVER 6599999900000438 6599999900000131
MASTERCARD 5591390000000603 5591390000000108
VISA 4900490000000618 4900490000000105

 

(3DSv2) Test Case 13: Successful Step Up 3-D Secure Authentication & Successful Authorisation (with methodurl).
Successful traditional step up (challenge) authentication transaction (with methodurl).

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004167 340000000003169 THREEDQUERY
Status: C (Authentication challenge)
AUTH
Error code: 0 – Ok
DISCOVER 6599999900000446 6599999900000149
MASTERCARD 5591390000000561 5591390000000058
VISA 4900490000000550 4900490000000063

 

(3DSv2) Test Case 14: Timeout on Step-Up 3-D Secure Authentication & Successful Authorisation (with methodurl).
Transaction timed-out error for methodurl execution as part of a frictionless transaction.

Card type v2.2.0 v2.1.0 Handling the response
AMEX 340000000004175 340000000003177 THREEDQUERY
Status: C (Authentication challenge)
AUTH
Error code: 0 – Ok
DISCOVER 6599999900000453 6599999900000156
MASTERCARD 5591390000000561 5591390000000058
VISA 4900490000000550 4900490000000063

 

  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:

You must test Mobile SDK implementations using Cardinal Commerce test card details rather than those listed above.

  Click here to view the Cardinal Commerce Testing Resources.

 

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:

CU1-EN.png

 

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 premisebilling 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
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