Enterprise Developer's Guide

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3D Secure Test Cases

3D Secure 2 Test Cases

The MPI test cases that should be used are dependent on the acquiring bank that holds the merchant agreement or PSP that will be processing the payments on the Gateway on behalf of the merchant. The test cards listed in this section can be used by merchants that makes use of the iVeri Gateway for 3DS authentication and Authorisation but can also be used by merchants that make use of the iVeri Gateway for Authorisation messages only.

Things to note about the test cards:

CVV not required
Expiry must be current or future date

BANKSERV MPI

Nedbank and I&M Bank merchants can use the following test cards for 3D secure authentication calls:

Frictionless Full Authentication

Scenario 1

Authenticated Frictionless Transaction

Test Values

Visa:4069425217889137

MC:5163426869252246
Expiry Date: Current or future date

Expected results

ThreeDSecure_RequestID {B5609393-410F-4E6B-B83E-4ADE7443F609}

ThreeDSecure_VEResEnrolled Y

ThreeDSecure_ProtocolVersion 2.1.0

ThreeDSecure_AuthenticationType

ThreeDSecure_DSTransID fafd7e7e-8f43-440a-8b1f-07da705029de

CardHolderAuthenticationID uE3eoyx9TB2QJPOY7u22/uTRiT4=

CardHolderAuthenticationData AJkBADJAQgAAABOIcQECdISCkYQ=

MerchantReference 3DS2:20220412.0422

PAN 4069........9137

Merchant Data

ElectronicCommerceIndicator ThreeDSecure

ResultCode 0

ResultDescription:

ApplicationID:

Amount: 5000

Currency: ZAR

JWT:

ExpiryDate 092025

Action: Merchant should proceed with the authorization message

Failed Frictionless Authentication

Scenario 2

Failed Frictionless Transaction

Test Values

Visa: 4069421358347845

MC: 5178872338408971
Expiry Date: Current or future date

Expected results

ApplicationID:

MerchantReference 3DS2:20220412.0422

MerchantData

Amount: 5000

Currency: ZAR

ResultCode: -7

ResultDescription: Invalid authentication data

ThreeDSecure_RequestID {6BD9C29F-FB3A-4313-97B2-B40F73356FBE}

Action: Merchant should NOT proceed with the authorization message

Challenge Full Authentication
Scenario 3	Authenticated Challenged Transaction
Test Values	Visa: 4895749143709709 MC: 5192602720584796 issuer ACS Password: test123
Expected Results	ThreeDSecure_RequestID {5273A72E-1E50-4620-8846-952D151C52F8} ThreeDSecure_VEResEnrolled Y ThreeDSecure_ProtocolVersion 2.1.0 ThreeDSecure_DSTransID 2ce5ff9c-706a-4779-9fd2-da14a912dad7 ThreeDSecure_AuthenticationType 01 CardHolderAuthenticationID 86n92qMCWIercKk9Fj7fzkG93+0= CardHolderAuthenticationData AAEBCHlghgAAAAfQcQFGdISCkYQ= MerchantReference 3DS2:20220412.0422 PAN 4895……..9709 Merchant Data ElectronicCommerceIndicator: ThreeDSecure ResultCode: 0 ResultDescription: ApplicationID: Amount: 2000 Currency: ZAR JWT: ExpiryDate 062025
Action: Merchant should proceed with the Authorisation

CYBERSOURCE MPI
CBZ Bank, CSC Merchant can use the following test cards for 3D secure authentication calls:

Expiry: January/Current year+3

Frictionless Authentication

Scenario 1

Successful Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1005

MasterCard: 5200 0000 0000 1005

Expected results

ElectronicCommerceIndicator: ThreeDSecureAttempted

ThreeDSecure_VEResEnrolled: Y

ThreeDSecure_ProtocolVersion: 2.1.0
ThreeDSecure_RequestID:

CardHolderAuthenticationID:

CardHolderAuthenticationData:

ThreeDSecure_DSTransID:

JWT:

MerchantReference:

PAN:

MerchantData

ExpiryDate:

ResultCode:

ResultDescription:

ApplicationID:

Amount:

Currency:

Action: Merchant should proceed with the authorization message

Scenario 2

Unsuccessful Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1013

MasterCard: 5200 0000 0000 1013

Expected results

MerchantReference

ApplicationID

MerchantData

Amount

Currency

ResultCode: -7

ResultDescription: Invalid authentication data

ThreeDSecure_RequestID

Action: Merchant should NOT proceed with the authorization message. Ask the customer for another form of payment.

Scenario 3

Attempts Processing Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1021

MasterCard: 5200 0000 0000 1021

Expected results

ThreeDSecure_RequestID

ThreeDSecure_VEResEnrolled: Y

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID

CardHolderAuthenticationID

CardHolderAuthenticationData

MerchantReference

PAN

MerchantData

ElectronicCommerceIndicator: ThreeDSecureAttempted

ResultCode: 0

ResultDescription

ApplicationID

Amount

Currency

JWT

ExpiryDate

Action: Merchant should proceed with the authorization message

Scenario 4

Unavailable Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1039

MasterCard: 5200 0000 0000 1039

Expected results

ThreeDSecure_RequestID

ThreeDSecure_VEResEnrolled: Y

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID

ElectronicCommerceIndicator: SecureChannel

ResultCode: 0

ResultDescription

ApplicationID

MerchantReference

PAN

MerchantData

Amount

Currency

JWT

ExpiryDate

Action: Merchant should NOT proceed to authorization and should terminate transaction – no liability protection

Scenario 5

Rejected Frictionless Authentication

Test Values

Visa: 4456 5300 0000 1047

MasterCard: 5200 0000 0000 1047

Expected results

ApplicationID

MerchantReference

MerchantData

Amount

Currency

ResultCode: -7

ResultDescription: Invalid authentication data

ThreeDSecure_RequestID

Action: Merchant should NOT proceed with the authorization message. Ask the customer for another form of payment

Challenged Authentication

Scenario 1

Bypassed Authentication

Test Values

Visa: 4456 5300 0000 1088

MasterCard: 5200 0000 0000 1088

Expected results

ThreeDSecure_RequestID: {09F95A60-6CAF-4DCE-9DE2-6EAAA02909F8}

ElectronicCommerceIndicator: SecureChannel

ThreeDSecure_VeResEnrolled: B

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID: b2362509-b30c-477b-9879-7b274be62c6d

ResultCode 0

ResultDescription

ApplicationID {xxxxxxxx-53F5-4AE9-ADB2-xxxxxxxxxxxx}

MerchantReference 3DS2:20220421.005

Amount 2000

Currency ZAR

JWT

PAN 4456........1088

ExpiryDate 012025

MerchantData

Action: No Authentication data returned. Merchant should NOT proceed with the authorization message. Ask the customer for another form of payment

Scenario 2

Successful Step-Up Authentication

Test Values

Visa: 4456 5300 0000 1096

MasterCard: 5200 0000 0000 1096

Expected results

ThreeDSecure_RequestID: {BFF7BC12-70D3-4EC4-A0EB-FAC70038C597}

CardHolderAuthenticationID: MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=

CardHolderAuthenticationData: MTIzNDU2Nzg5MDEyMzQ1Njc4OTA=

ElectronicCommerceIndicator: ThreeDSecure

ThreeDSecure_ProtocolVersion: 2.1.0

ThreeDSecure_DSTransID: 603e2288-7886-46de-a6f1-4f69546e1e94

ThreeDSecure_TransactionID: YGsxy3oPA7pCuUxo2fy0

ResultCode: 0

ResultDescription

ApplicationID: {xxxxxxxx-53F5-4AE9-ADB2-xxxxxxxxxxxx}

MerchantReference: 3DS2:20220421.005

Amount: 2000

Currency: ZAR

JWT

PAN: 4456........1088

ExpiryDate: 012025

MerchantData

Action: Merchant should proceed with the authorization message

Scenario 3

Unsuccessful Step-Up Authentication

Test Values

Visa: 4456 5300 0000 1039

MasterCard: 5200 0000 0000 1039

Expected results

ApplicationID : {xxxxxxxx-53F5-4AE9-ADB2-xxxxxxxxxxxx

MerchantReference: 3DS2:20220421.001

MerchantData

Amount: 2000

Currency: ZAR

ResultCode: -7

ResultDescription: Invalid authentication data

ThreeDSecure_RequestID: {1F9A2633-33AD-4A9A-9C65-EA42219BA2FA}

Action: The merchant should NOT proceed with the authorization message. Ask the customer for another form of payment.

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Enterprise Developer's Guide

3D Secure Test Cases

3D Secure 2 Test Cases

BANKSERV MPI

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