Simple Order API

Test Case 2.2: Unsuccessful Frictionless Authentication

Cardholder authentication without a challenge by the card issuer failed.

Card Numbers

Card Type
Test Card Number
3-D Secure 2.1.0
3-D Secure 2.2.0
American Express
Card Type = 003
34000
00 0000 1015
34000
00 0000 2096
Cartes Bancaires Mastercard
Card Type = 036
520000
00 0000 3019
520000
00 0000 4538
Cartes Bancaires Visa
Card Type = 036
400000
00 0000 3014
400000
00 0000 4574
China UnionPay
Card Type = 062
620001
00 0010 0010
Diners Club
Card Type = 005
601100
00 0000 1010
Discover
Card Type = 004
601100
00 0000 1010
Elo
Card Type = 054
650529
00 0000 1010
JCB J/Secure
Card Type = 007
333700
00 0000 0990
333800
00 0000 0361
Mastercard
Card Type = 002
520000
00 0000 1013
520000
00 0000 2276
Visa
Card Type = 001
400000
00 0000 1018
400000
00 0000 2925

Results for the Check Enrollment Service

Reason code
=
476
  • User failed authentication.
  • Payer cannot be authenticated.
VERes enrolled =
Y
PARes status =
N

E-Commerce Indicator (ECI) Values

This table lists the expected ECI raw value and its respective string value. These values indicate whether the payer was authenticated by the card network. These values should be passed under this test condition when a transaction is submitted for payment authorization.
Network
ECI Raw Value
ECI String Value
American Express
07
internet
Cartes Bancaires Mastercard
00
internet
Cartes Bancaires Visa
07
internet or vbv_failure
China UnionPay
07
up3ds_failure
Diners Club
07
internet
Discover
07
internet
Elo
07
internet
ITMX
07
lss_failure
JCB J/Secure
07
internet
Mastercard
00
internet
Visa
07
internet or vbv_failure

Results for the Validation Authentication Service

No results are returned.

Action

While the merchant can still authorize a failed 3-D Secure transaction as a non-authenticated transaction, it is not recommended to submit this transaction for authorization. Instead ask the customer for another form of payment.