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"

MerchantIDSecretCallback fields
gateway_test_3db185default callback fields
gateway_test_cbb185extra callback fields
Credit cardCard EnrolledECIAuthentication StatusMeaning
4012001038443335 or 4242424242420000N--Cardholder not participating, card not enrolled
4012001038488884 or 4242424242000000U--Unable to verfiy enrollment
4012001037141112 or 4242424242424242Y05YSuccessful authentication
4012001037167778 or 4242420000000000Y06ASuccessful merchant attempt
4012001037461114 or 4242000000000000Y-NAuthentication failure
4012001037484447 or 4200000000000000Y-UAuthentication not available
4242426790614587Y05YFrictionless flow

For Mastercard integrity

Credit cardCard EnrolledECIAuthentication StatusMeaning
5105105105105100Y01YSuccessful authentication
5555555555554444Y01AInvalid control byte
5454545454545454N--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 numberDecline code3DS status
540659283227106365Verified