Testing credentials for 3D Secure

Test credentials for 3d Secure integration

You can use the credentials below to test 3D Secure integration with payabl.

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For all cards, you can use any CVC code and Expiry Date (older than current month).
OTP is "test"

MerchantID

Secret

gateway_test_3d

b185

Credit card

Card Enrolled

ECI

Authentication Status

Meaning

4012001038443335 or 4242424242420000

N

Cardholder not participating, card not enrolled

4012001038488884 or 4242424242000000

U

Unable to verfiy enrollment

4012001037141112 or 4242424242424242

Y

05

Y

Successful authentication

4012001037167778 or 4242420000000000

Y

06

A

Successful merchant attempt

4012001037461114 or 4242000000000000

Y

N

Authentication failure

4012001037484447 or 4200000000000000

Y

U

Authentication not available

4242426790614587

Y

05

Y

Frictionless flow

For Mastercard integrity

Credit card

Card Enrolled

ECI

Authentication Status

Meaning

5105105105105100

Y

01

Y

Successful authentication

5555555555554444

Y

01

A

Invalid control byte

5454545454545454

N

Cardholder not participating

For Soft decline scenario

Use this card to simulate Soft decline behavior.

  • In authorization set param_3d = non3d.
  • Operation will be processed as non3Ds with a "soft decline" 65.
  • The job will re-initiate transaction with 3DS. You will get a response with 3DS link to redirect your customer (or it will be done automatically in iframe).
  • Finally operation will be processed with a decline status.
    In Interface you will see 2 Authorizations.

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We set error code = 65 both for soft decline and final decline on test. But in Live transaction may be Captured or receive another decline code.

Card number

Decline code

3DS status

5406592832271063

65

Verified


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