Trust Payments 3DS Server Testing Resources

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):

  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.

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.

Card type v2.2.0 v2.1.0 Handling the response
VISA 4900490000000519 4900490000000014

THREEDQUERY
Enrolled: Y
Status: N

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.

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.

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.

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

 

(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
VISA 4900490000000626 4900490000000113

THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 - Ok

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.
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 7: Step-Up 3-D Secure Authentication Failed & No Authorisation.
Authentication failed on transaction due to improper data in ARes message (DS response).

Card type v2.2.0 v2.1.0 Handling the response
VISA 4900490000000634 4900490000000121 THREEDQUERY
Enrolled: Y
Status: N
AUTH
Not performed
MASTERCARD 5591390000000629 5591390000000157

 

(3DSv2) Test Case 8: Step-Up 3-D Secure Authentication Failed & Successful Authorisation.
Error returned after transaction due to not completed threeDSMethod.

Card type v2.2.0 v2.1.0 Handling the response
VISA 4900490000000659 4900490000000139 THREEDQUERY
Enrolled: U
Status: None
AUTH
Error code: 0 – Ok
MASTERCARD 5591390000000637 5591390000000165

 

(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
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.

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.

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).

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).

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

 

(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
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:

kb-testing-01.png

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