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	No	Failed authentication
`340000000004001`	Amex	`Y`	N/A	No	Successful (frictionless) authentication
`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	`C`	`Y`	Yes	Successful authentication, following a challenge
`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 challenge
`4005571701111111`	Visa	`C`	`A`	Yes	Attempted authentication, following a challenge
`4055011111111111`	Visa	`C`	`N`	Yes	Failed authentication, following a challenge
`5427660064241339`	Mastercard	`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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