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.
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.
The basics
When testing, you can use the test card details provided below to simulate different responses. 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 security code checks, you will need to set the security code to "123". You can find more info on our security code checks in this article.
3-D Secure version 2
You must perform a full suite of test payments using all 3-D Secure v2 cards provided below, ensure your system handles each scenario correctly and that it displays the correct message to the customer:
In the THREEDQUERY response, if status N is returned (or if a status value wasn't returned at all), we recommend against processing the subsequent AUTH. Continuing with this payment would forfeit the liability shift.
| (3DSv2) Test Case 1: Successful Frictionless 3-D Secure Authentication & Successful Authorisation. Successful frictionless authentication representing the cardholder being authenticated by their card issuer. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000501 | 4900490000000006 | THREEDQUERY Enrolled: Y Status: Y AUTH Error code: 0 – Ok |
| MASTERCARD | 5591390000000504 | 5591390000000009 | |
| (3DSv2) Test Case 2: Failed Frictionless 3-D Secure Authentication & Failed Authorisation. Authentication failed by card issuer without challenge. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000519 | 4900490000000014 |
THREEDQUERY Error code 60022 (Unauthenticated) is returned in THREEDRESULT. The subsequent AUTH should NOT be processed. |
| MASTERCARD | 5591390000000520 | 5591390000000017 | |
| (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. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000527 | 4900490000000030 | THREEDQUERY Enrolled: Y Status: A AUTH Error code: 0 -Ok |
| MASTERCARD | 5591390000000538 | 5591390000000025 | |
| (3DSv2) Test Case 4: Unavailable Frictionless 3-D Secure Authentication from the Issuer & Successful Authorisation. Authentication is unavailable at the current time. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000535 | 4900490000000048 | THREEDQUERY Enrolled: Y Status: U AUTH Error code: 0 – Ok |
| MASTERCARD | 5591390000000546 | 5591390000000033 | |
| (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. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000543 | 4900490000000055 | THREEDQUERY Enrolled: Y Status: R Error code 60022 (Unauthenticated) is returned in THREEDRESULT. The subsequent AUTH should NOT be processed. |
| MASTERCARD | 5591390000000553 | 5591390000000041 | |
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(3DSv2) Test Case 6a: Frictionless 3-D Secure Authentication Failed & Successful Authorisation. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000626 | 4900490000000113 |
THREEDQUERY |
| MASTERCARD | 5591390000000611 | 5591390000000140 | |
| (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. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000576 | 4900490000000089 | THREEDQUERY Enrolled: Y Status: Y AUTH Error code: 0 - Ok |
| MASTERCARD | 5591390000000587 | 5591390000000074 | |
| (3DSv2) Test Case 9: Successful Step Up 3-D Secure Authentication & Successful Authorisation. Successful traditional step up (challenge) authentication transaction. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000667 | 4900490000000147 | THREEDQUERY Enrolled: Y Status: C AUTH Error code: 0 – Ok |
| MASTERCARD | 5591390000000645 | 5591390000000173 | |
| (3DSv2) Test Case 10: Failed Step Up 3-D Secure Authentication & No Authorisation. Traditional step up (challenge) authentication transaction with failed cardholder challenge. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000568 | 4900490000000071 | THREEDQUERY Enrolled: Y Status: C AUTH Not performed |
| MASTERCARD | 5591390000000579 | 5591390000000066 | |
| (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. |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000584 | 4900490000000097 | THREEDQUERY Enrolled: Y Status: C AUTH Not performed |
| MASTERCARD | 5591390000000595 | 5591390000000090 | |
| (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). |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000618 | 4900490000000105 | THREEDQUERY Enrolled: Y Status: Y AUTH Error code: 0 – Ok |
| MASTERCARD |
5591390000000603 |
5591390000000108 | |
| (3DSv2) Test Case 13: Successful Step Up 3-D Secure Authentication & Successful Authorisation (with methodurl). Successful traditional step up (challenge) authentication transaction (with methodurl). |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000550 | 4900490000000063 | THREEDQUERY Enrolled: Y Status: C AUTH Error code: 0 – Ok |
| MASTERCARD | 5591390000000561 | 5591390000000058 | |
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(3DSv2) Test Case 14: Timeout on Step-Up 3-D Secure Authentication & Successful Authorisation (with methodurl). |
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| Card type | v2.2.0 | v2.1.0 | Handling the response |
| VISA | 4900490000000550 | 4900490000000063 | THREEDQUERY Enrolled: Y Status: C AUTH Error code: 0 – Ok |
| MASTERCARD | 5591390000000561 | 5591390000000058 | |
3-D Secure version 1
The following payment credentials can be used for testing 3-D Secure v1 (a form of SCA):
| Card type | Enrolled "Y" | Enrolled "N" | Enrolled "U" |
| VISA | 4111110000000211 | 4111110000000021 | 4111110000000401 |
| MASTERCARD | 5100000000000511 | 5100000000000321 | 5100000000000701 |
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
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.
Follow the instructions displayed within the authentication prompt to complete the payment:
