3D Secure Integration

3DS Test Cards

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You may use the following test card numbers with your sandbox account to test your integration.

You should only use your sandbox API Key to send requests using these test cards. Requests sent using your live API Key will be sent to live directory servers.

You should ensure you handle each of the different responses correctly. Some test cards require a challenge to be completed.

Luhn check validation

The Luhn check is a commonly used algorithm to check the card number appears to be valid. This is to help prevent keying errors but there is no guarantee it is a genuine card.

Types of test card

We have test cards for different purposes:

  • If you are concerned about having cards which appear “real” in your test code for auditing purposes, use these test cards that fail the Luhn check.
  • If you have your own Luhn check implemented in your client-side code, use these test cards that pass the Luhn check and therefore will be valid in your client app or website.
  • If you would like to test the different types of challenges within our SDK, use these test cards.

See our 3DS Test Cards API for details of how to load our test cards from our API.

3DS 2 test cards (fails Luhn check)

These test cards can be used for both the browser flow and app flow authentications. The card numbers do NOT pass the Luhn check.

Test Card PAN Scheme Authenticate Response TransStatus Result Response TransStatus Challenge Required? Description
4200000000000002 Visa Y N/A No Successful (frictionless) authentication
4200000000000003 Visa A N/A No Attempted authentication
4200000000000005 Visa N N/A No Failed authentication
4200000000000006 Visa U N/A No Authentication unavailable
4200000000000007 Visa R N/A No Authentication rejected
4200000000000004 Visa C Y Yes Successful authentication, following a challenge
4200000000000014 Visa C Y Yes Successful authentication, following a challenge (No Method URL)
4200000000000015 Visa C Y Yes Successful authentication, following a mandated challenge
4200000000000016 Visa C Y Yes Successful authentication, following an out of band (OOB) challenge
4200000000000008 Visa C A Yes Attempted authentication, following a challenge
4200000000000009 Visa C N Yes Failed authentication, following a challenge
4200000000000017 Visa C N Yes Failed authentication, following an out of band (OOB) challenge
4200000000000010 Visa C U Yes Authentication unavailable, following a challenge
4200000000000011 Visa C R Yes Authentication rejected, following a challenge
4200000000000012 Visa N/A N/A N/A Simulates a directory server 3DS error
4200000000000013 Visa N/A N/A N/A Simulates a 3DS Server internal server error

3DS 2 Test Cards (passes Luhn check)

These test cards can be used for both the browser flow and app flow authentications. The card numbers DO pass the Luhn check.

Test Card PAN Scheme Authenticate Response TransStatus Result Response TransStatus Challenge Required? Description
4264281511112228 Visa N N/A Yes Failed authentication
340000000004001 Amex C Y Yes Successful authentication, following a challenge
4000020000000000 Visa C Y Yes Successful authentication, following a challenge
4000020000000000 Visa C Y Yes Successful authentication, following a challenge
4111111111111111 Visa A N/A No Attempted authentication (No Method URL)
4242424242424242 Visa Y N/A No Successful (frictionless) authentication
5555555555554444 Mastercard Y N/A No Successful (frictionless) authentication
5204247750001471 Mastercard Y N/A No Successful (frictionless) authentication
6011601160116011 Discover Y N/A No Successful (frictionless) authentication
370000000000002 Amex C Y Yes Successful authentication, following a challenge
3566002020360505 JCB C Y Yes Successful authentication, following a challenge
3566006663297692 JCB C Y Yes Successful authentication, following a challenge
36185973325993 Discover C Y Yes Successful authentication, following a challenge
5424180011113336 Mastercard A N/A No Attempted authentication
5424180000000171 Mastercard N N/A No Failed authentication
5405001111111165 Mastercard U N/A No Authentication unavailable
5405001111111116 Mastercard R N/A No Authentication rejected
4005562231212123 Visa C Y Yes Successful authentication, following a challenge (No Method URL)
4761369980320253 Visa C Y Yes Successful authentication, following a mandated challenge
4000000000000341 Visa C Y Yes Successful authentication, following a out of band challenge
5200000000001104 Mastercard C Y Yes Successful authentication, following a mandated challenge
4005571701111111 Visa C A Yes Attempted authentication, following a challenge
4055011111111111 Visa C N Yes Failed authentication, following a challenge
6011361011110004 Discover C N Yes Failed authentication, following an out of band challenge
6011361000008888 Discover C U Yes Authentication unavailable, following a challenge
6011361000001115 Discover C R Yes Authentication rejected, following a challenge
4264281500003339 Visa N/A N/A N/A Simulates a directory server 3DS error
4264281500001119 Visa N/A N/A N/A Simulates a 3DS Server internal server error
5424180011110001 Mastercard N/A N/A N/A 3DS2 not supported by ACS

3DS 2 SDK Challenge Test Cards

These are test cards used to test SDK challenge methods during the app flow. The card numbers do NOT pass the Luhn check.

Test Card PAN Scheme Authenticate Response TransStatus Result Response TransStatus Challenge Required? Description
4200000000000019 Visa N Y Yes Successful authentication, following single select challenge (SDK)
4200000000000020 Visa N N Yes Failed authentication, following single select challenge (SDK)
4200000000000021 Visa N Y Yes Successful authentication, following multi select challenge (SDK)
4200000000000022 Visa N N Yes Failed authentication, following multi select challenge (SDK)
4200000000000023 Visa N Y Yes Successful authentication, following HTML OTP challenge (SDK)
4200000000000024 Visa N N Yes Failed authentication, following HTML OTP challenge (SDK)
4200000000000025 Visa N Y Yes Successful authentication, following HTML Other challenge (SDK)
4200000000000026 Visa N N Yes Failed authentication, following HTML Other challenge (SDK)
4200000000000028 Visa N Y Yes Successful authentication, following HTML single select challenge (SDK)
4200000000000029 Visa N Y Yes Successful authentication, following HTML multi select challenge (SDK)
4200000000000030 Visa N Y Yes Successful authentication, following HTML out of band challenge (SDK)

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