You can test your integration for 3DS Authentication via the gateway by using the 3DS Emulator. To access the emulator, use your test merchant profile (type "TEST" as a prefix to the Merchant ID supplied by your payment service provider).
Testing is supported for the following 3DS schemes:
To test 3DS functionality:
authentication.version
=3DS2 or 3DS1)authentication.redirect.html
field into the page displayed to the payer to redirect the payer's browser to the 3DS Emulator challenge page. authentication.transactionId
in a subsequent Authorize or Pay transaction request. It should indicate only where authentication is successful and if the card allows for subsequent authorization or payment.Test Cards | Purpose | Card Number | 3DS1 Enrolled | 3DS2 Enrolled | Method URL | tranStatus authentication.3ds2.transactionStatus |
tranStatusReason authentication.3ds2.statusReasonCode |
ECI | Authentication Token |
---|---|---|---|---|---|---|---|---|---|
Mastercard | 3DS2 - Challenge (Method URL provided) | 5123450000000008 2223000000000007 |
Yes | Yes |
Yes |
C | - | - | - |
3DS2 - Frictionless (Method URL provided) | 5123456789012346 | Yes | Yes | Yes | Y | - | 02 | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Frictionless (No Method URL) | 5555555555000018* | Yes | Yes | No | Y | - | 02 | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Authentication Attempted | 5500005555555559 | Yes | Yes | No | A | - | 01 | nHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Authentication Rejected | 5506900140100503 | No | Yes | No | R | 04 | - | - | |
3DS1 - Not enrolled for 3DS2 resulting in fallback to 3DS1 | 5506900140100305 | Yes | No | No | - | - | - | - | |
3DS2 - Error during Initiate Authentication operation resulting in Generic Error Response | 5210760000000004 | Yes | Exception | - | - | - | - | - | |
3DS2 - Error during Authenticate Payer operation resulting in Generic Error Response | 5455031257390496 | Yes | Yes | No | Exception | - | - | - | |
5455031252665454 | Yes | Yes | No | Exception | - | - | - | ||
3DS1 & 3DS2 - Not Enrolled Response | 5111111111111118 | No | No | - | - | - | - | - | |
2223000000000023 | No | No | - | - | - | - | - | ||
3DS2 - Authentication Unavailable Error during Authenticate Payer operation resulting in a response of authenticationStatus = AUTHENTICATION_UNAVAILABLE | 5123459999998221 | Yes | Yes | No | Recoverable Exception | - | - | - | |
Visa | 3DS2 - Challenge (No Method URL) | 4440000009900010 | Yes | Yes | No | C | - | - | - |
3DS2 - Frictionless (Method URL provided) | 4440000042200014 | Yes | Yes | Yes | Yes | - | 05 | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Authentication Attempted | 4440000042200022 | No | Yes | No | A | - | 06 | nHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
American Express | 3DS2 - Challenge (No Method URL) | 340000099900051 | No | Yes | No | C | - | - | - |
3DS2 - Frictionless (Method URL provided) | 340353278080900 | Yes | Yes | Yes | Yes | - | 05 | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
Maestro | PSD2 Exemptions and Trusted Merchants | 5000000000000000005 | Yes | Yes | No | No | 81 | 06 | kNyn+7YFi1EUAREAAAAvNUe6Hv8= |
JCB | 3DS2 - Challenge (Method URL provided) | 3528249999991755 | Yes | Yes | Yes | C | - | - | - |
3DS2 - Challenge (No Method URL) | 3528249999991748 | Yes | Yes | No | C | - | - | - | |
3DS2 - Frictionless (Method URL provided) | 3528249999991821 | Yes | Yes | Yes | Yes | - | 05 | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Authentication Rejected | 3528249999981236 | Yes | Yes | Yes | R | - | - | - | |
3DS1 - Not enrolled for 3DS2 resulting in fallback to 3DS1 | 3528000000000007 | Yes | No | No | - | - | - | - | |
3DS1 & 3DS2 - Not Enrolled Response | 3528249999991953 | - | - | - | - | - | - | - | |
Diners | 3DS2 - Challenge (Method URL provided) | 3600000000000115 | Yes | Yes | Yes | C | - | - | - |
3DS2 - Challenge (No Method URL) | 3600000000000123 | Yes | Yes | No | C | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Frictionless (Method URL provided) | 3600000000000131 | Yes | Yes | Yes | Yes | - | 05 | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Authentication Rejected | 3600000000000172 | Yes | Yes | Yes | R | - | - | - | |
3DS1 - Not enrolled for 3DS2 resulting in fallback to 3DS1 | 3600000000000180 | Yes | No | No | - | - | - | - | |
3DS1 & 3DS2 - Not Enrolled Response | 3600000000000222 | - | - | - | - | - | - | - | |
Discover | 3DS2 - Challenge (Method URL provided) | 6445644564456445 | Yes | Yes | Yes | C | - | - | - |
3DS2 - Challenge (No Method URL) | 6445644564456460 | Yes | Yes | No | C | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Frictionless (Method URL provided) | 6445644564456411 | Yes | Yes | Yes | Yes | - | 05 | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Authentication Rejected | 6445644564456155 | Yes | Yes | Yes | R | - | - | - | |
3DS1 - Not enrolled for 3DS2 resulting in fallback to 3DS1 | 6445644564456163 | Yes | No | No | - | - | - | - | |
3DS1 & 3DS2 - Not Enrolled Response | 6445644564456239 | - | - | - | - | - | - | - | |
MASTERCARD_ITMX | 3DS2 - Frictionless | 5594509999999006 | Y | Y | Yes | Y | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= |
3DS2 - Challenge | 5297649999999000 | Y | Y | No | C | - | - | - | |
3DS2 - Authentication Attempted | 5391979999999048 | Y | Y | No | A | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Not Authenticated | 5391979999999055 | Y | Y | No | N | 04 | - | - | |
Mastercard ITMX 3DSV1 and 3DSV2 Frictionless V220 | 5391979999999014 | Y | Y | No | Y | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
VISA_ITMX | 3DS2 - Frictionless | 4215849999999008 | Y | Y | No | Y | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= |
3DS2 - Challenge | 4943129999999004 | Y | Y | No | C | - | - | - | |
3DS2 - Authentication Attempted | 4013679999999045 | Y | Y | No | A | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= | |
3DS2 - Not Authenticated | 4013679999999052 | Y | Y | No | N | 04 | - | - | |
Visa ITMX 3DSV1 and 3DSV2 Frictionless V220 | 4013679999999011 | Y | Y | No | Y | - | - | mHyn+7YFi1EUAREAAAAvNUe6Hv8= |
In the case of a "C" transStatus, the following outcomes are possible via drop-down selection in the 3DS Emulator:
Description | transStatus | challengeCancel | eci |
---|---|---|---|
Successful authentication |
Y | - | 05 / 02 |
Failed authentication |
N | - | 07 / 00 |
Cancelled authentication |
N | 01 | 07 / 00 |
Unable to authenticate | U | - | 07 / 00 |
Authentication rejected | R | - | 07 / 00 |
The gateway is enhanced to return error messages from the authentication servers. These can be used to help you identify which fields may be causing your integration to break when an authentication request is sent.
This table describes sample error message and error cause.
Error Message | Error Cause |
---|---|
The authentication scheme has indicated that you have not been onboarded with the authentication scheme for EMV 3DS by your acquirer. Please contact your acquirer or payment service provider. | Before you can start using the EMV 3DS functionality, you may need to be onboarded with the respective authentication scheme by your acquirer. Please contact your acquirer or payment service provider to get these values checked. |
Please note that you will need a mastercard developer account.
If you use the Authentication API, you can see the authentication details on the Merchant Administrator portal when the payer authentication is complete. If the payer authentication is not yet complete, you may experience a delay in the authentication transaction that displays when searching for an order or transaction on the Merchant Administrator portal. For example, going through a challenge flow.
In the meantime, you can retrieve the current state of the authentication using the Retrieve Order or Retrieve Transaction operation.
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