EMV® 3-D Secure

Overview

The 3-D Secure process requires that merchants cater for various scenarios. We have our own 3DS emulator that allows testing to take place.

You must set the exp_date value to anything in the future i.e. 062026 (unless you are trying to test an expired card) and you can enter any 3 digits for the CVV and we will return a response just like in production.

You must test both the Frictionless Flow and the Challenge Flow . For this purpose, we have created two separate tables detailing the test cards.

Frictionless Flow

Type	Card Number	Status	Reason	Description
Visa	4000018525249219	`success`		Successful authentication and authorisation.
Visa	4000014070307353	`tds_failed`	`low_confidence`	The issuing bank does not have the confidence to approve the transaction at this time.
Visa	4000016387798026	`tds_failed`	`suspected_fraud`	The transaction is suspected to be fraudulent.
Visa	4000010308215921	`tds_expired`	`challenge_time_out`	The cardholder didn't complete the challenge.
Visa	4000017000141438	`tds_failed`	`acs_technical_issue`	The session has expired due to a technical issue.
Mastercard	5100012222286836	`success`		Successful authentication and authorisation.
Mastercard	5100015757869124	`tds_failed`	`low_confidence`	The issuing bank does not have the confidence to approve the transaction at this time.
Mastercard	5100018950323188	`tds_failed`	`suspected_fraud`	The transaction is suspected to be fraudulent.
Mastercard	5100015317732432	`tds_expired`	`challenge_time_out`	The cardholder didn't complete the challenge.
Mastercard	5100013143030683	`tds_failed`	`acs_technical_issue`	The session has expired due to a technical issue.

Challenge Flow

When completing the challenge flow you will be redirected to our 3DS emulator, where you can select the status and reason that you want to test.

Type	Card Number
Visa	4000015979612025
Mastercard	5100015146097478