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Testing card payments
Below are tables containing test card numbers and customer information that can be submitted to our test bank, along with the corresponding expected responses:
When processing transactions on your live site, ensure you do not use the provided credentials.
These are meant for testing purposes only and should not be used for live transactions.
During testing, all card types are supported. However, when using your live account, ensure you have a valid merchant number for the payment type submitted. Failure to provide a valid merchant number may result in an error during live transactions.
The Basics
When conducting tests, you can employ the following test card details to simulate a “Successful” response:
- Visa card “4111 1111 1111 1111” or Mastercard “5100 0000 0000 0511”.
- Set expiry date to any valid date in the future.
- Use security code “123”.
You can also send various amount values to influence the outcome of the request :
- 700.00 will always return a declined response from the test bank.
- 600.10 will always return a bank system error from the test bank.
- 10.50 is a safe value that will not return an error unless the card number sent is used to simulate an error response, as described below.
The cards mentioned above will return a “not enrolled” value for 3-D Secure and are intended for basic testing purposes only. After successfully processing requests with the provided details, it’s crucial to thoroughly test your 3-D Secure integration using the test credentials below
3-D Secure version 2
You must conduct a comprehensive suite of test payments utilizing all 3-D Secure v2 cards provided below. Verify that your system handles each scenario accurately and displays the appropriate message to the customer:
| (3DSv2) Test Case 1: Successful Frictionless 3-D Secure Authentication & Successful Authorisation | ||
| Successful frictionless authentication representing the cardholder being authenticated by their card issuer. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001007 | THREEDQUERY Enrolled: Y Status: Y AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001143 | |
| JCB | 3337000000000008 | |
| MASTERCARD | 5200000000001005 | |
| VISA (3-D Secure v2.1.0) | 4000000000001000 | |
| VISA (3-D Secure v2.2.0) | 4000000000002701 | |
| (3DSv2) Test Case 2: Failed Frictionless 3-D Secure Authentication & Failed Authorisation | ||
| Authentication failed by card issuer without challenge. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001015 | THREEDQUERY Enrolled: Y Status: N AUTH Error code: 60022 – Unauthenticated |
| DINERS / DISCOVER | 6011000000001010 | |
| JCB | 3337000000000990 | |
| MASTERCARD | 5200000000001013 | |
| VISA (3-D Secure v2.1.0) | 4000000000001018 | |
| VISA (3-D Secure v2.2.0) | 4000000000002925 | |
| (3DSv2) Test Case 3: Attempts Stand-In Frictionless 3-D Secure Authentication & Successful Authorisation | ||
| Cardholder is enrolled in 3-D Secure, however the card issuer is not supporting the program, resulting in a stand-in authentication experience. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001023 | THREEDQUERY Enrolled: Y Status: A AUTH Error code: 0 -Ok |
| DINERS / DISCOVER | 6011000000001028 | |
| JCB | 3337000000007045 | |
| MASTERCARD | 5200000000001021 | |
| VISA (3-D Secure v2.1.0) | 4000000000001026 | |
| VISA (3-D Secure v2.2.0) | 4000000000002719 | |
| (3DSv2) Test Case 4: Unavailable Frictionless 3-D Secure Authentication from the Issuer & Successful Authorisation | ||
| Authentication is unavailable at the current time. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001031 | THREEDQUERY Enrolled: Y Status: U AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001036 | |
| JCB | 3337000000000735 | |
| MASTERCARD | 5200000000001039 | |
| VISA (3-D Secure v2.1.0) | 4000000000001034 | |
| VISA (3-D Secure v2.2.0) | 4000000000002313 | |
| (3DSv2) Test Case 5: Rejected Frictionless 3-D Secure Authentication by the Issuer & Failed Authorisation | ||
| Rejected authentication by the card issuer not requiring a challenge. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001049 | THREEDQUERY Enrolled: Y Status: R AUTH Error code: 60022 – Unauthenticated The subsequent AUTH should NOT be processed. |
| DINERS / DISCOVER | 6011000000001044 | |
| JCB | 3337000000000321 | |
| MASTERCARD | 5200000000001047 | |
| VISA (3-D Secure v2.1.0) | 4000000000001042 | |
| VISA (3-D Secure v2.2.0) | 4000000000002537 | |
| (3DSv2) Test Case 6: 3-D Secure Authentication Not Available on Lookup & Successful Authorisation | ||
| Authentication not available on lookup due to a system error. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001056 | THREEDQUERY Enrolled: U Status: None AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001051 | |
| JCB | 3337000000006765 | |
| MASTERCARD | 5200000000001054 | |
| VISA (3-D Secure v2.1.0) | 4000000000001059 | |
| VISA (3-D Secure v2.2.0) | 4000000000002990 | |
| (3DSv2) Test Case 9: Successful Step Up 3-D Secure Authentication & Successful Authorisation | ||
| Successful traditional step up (challenge) authentication transaction. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001098 | THREEDQUERY Enrolled: Y Status: C AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001093 | |
| JCB | 3337000000200004 | |
| MASTERCARD | 5200000000001096 | |
| VISA (3-D Secure v2.1.0) | 4000000000001091 | |
| VISA (3-D Secure v2.2.0) | 4000000000002503 | |
| (3DSv2) Test Case 10: Failed Step Up 3-D Secure Authentication & No Authorisation | ||
| Traditional step up (challenge) authentication transaction with failed cardholder challenge. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001106 | THREEDQUERY Enrolled: Y Status: C AUTH Not performed |
| DINERS / DISCOVER | 6011000000001101 | |
| JCB | 3337000000200087 | |
| MASTERCARD | 5200000000001104 | |
| VISA (3-D Secure v2.1.0) | 4000000000001109 | |
| VISA (3-D Secure v2.2.0) | 4000000000002370 | |
| (3DSv2) Test Case 11: Step Up 3-D Secure Authentication is Unavailable & Successful Authorisation | ||
| Step up authentication is unavailable. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001114 | THREEDQUERY Enrolled: Y Status: C AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001119 | |
| JCB | 3337000000200079 | |
| MASTERCARD | 5200000000002664 | |
| VISA (3-D Secure v2.1.0) | 4000000000001117 | |
| VISA (3-D Secure v2.2.0) | 4000000000002420 | |
| (3DSv2) Test Case 12: Error on 3-D Secure Authentication & No Authorisation | ||
| A system error occurred while attempting to process the authentication request. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001122 | THREEDQUERY Enrolled: Y Status: C AUTH Not performed |
| DINERS / DISCOVER | 6011000000001127 | |
| JCB | 3337000000200046 | |
| MASTERCARD | 5200000000001120 | |
| VISA (3-D Secure v2.1.0) | 4000000000001125 | |
| VISA (3-D Secure v2.2.0) | 4000000000002644 | |
| (3DSv2) Test Case 13: Bypassed 3-D Secure Authentication & Successful Authorisation | ||
| A decision has been made to bypass the issuer-requested challenge for this transaction. | ||
| Card type | PAN | Handling the response |
| AMEX | 340000000001080 | THREEDQUERY Enrolled: B Status: None AUTH Error code: 0 – Ok |
| DINERS / DISCOVER | 6011000000001085 | |
| JCB | 3337000000000537 | |
| MASTERCARD | 5200000000001088 | |
| VISA (3-D Secure v2.1.0) | 4000000000001083 | |
| VISA (3-D Secure v2.2.0) | 4000000000002560 | |