3D Secure test scenarios

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Last updated: Feb 27th, 8:01am

In the PayPal sandbox, you can use test cards to simulate various scenarios to generate a 3DS response in the order details response.

Important: Use the expiration date 01/2025 and the CVV 123 for all the test cards on this page.


Scenario Test cards API response
Successful authentication:
  • Cardholder enrolled
  • Successful authentication
  • Successful signature verification
    • Visa:  4868719460707704
    • Mastercard: 5329879786234393

 "authentication_result": {
"liability_shift": "POSSIBLE",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "Y"
}
}
Failed signature:
  • Cardholder enrolled
  • Successful authentication
  • Unsuccessful signature verification
    • Visa: 4868719115514992
    • Mastercard: 5329879785160250

 "authentication_result": {
"liability_shift": "UNKNOWN",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "U"
}
}
Failed authentication:
  • Cardholder enrolled
  • Unsuccessful authentication
  • Successful signature verification
    • Visa: 4868719796782421
    • Mastercard: 5329879743856650

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "N"
}
}
Attempts/Non-Participating:
  • Cardholder enrolled
  • Not prompted for authentication credential
    • Visa: 4868719041085422
    • Mastercard: 5329879703852350

 "authentication_result": {
"liability_shift": "POSSIBLE",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "A"
}
}
Timeout
    • Visa: 4868719494697210
    • Mastercard: 5329879747163939

 "authentication_result": {
"liability_shift": "NO",
}
Not Enrolled
    • Visa: 4868719632978803
    • Mastercard: 5329879761823947

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "U",
}
}
Unavailable:
  • Cardholder enrolled
  • system is unavailable
    • Visa: 4868719632978803
    • Mastercard: 5329879761823947

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "U",
}
}
Merchant Not Active
    • Visa: 4868719013686405
    • Mastercard: 5329879767479553

 "authentication_result": {
"liability_shift": "NO",
}
cmpi_lookup error
    • Visa: 4868719489473346
    • Mastercard: 5329879717927867

 "authentication_result": {
"liability_shift": "NO",
}
cmpi_authenticate error
  • Cardholder is enrolled
  • Error with the authentication
    • Visa: 4868719501254542
    • Mastercard: 5329879770784023

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
}
}
Authentication unavailable:
  • Cardholder is enrolled
  • Authentication is unavailable
    • Visa: 4868719115738815
    • Mastercard: 5329879746440940

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "U"
}
}
Bypassed Authentication
    • Visa: 4868719718773896
    • Mastercard: 5329879754369577

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "B",
}
}
Successful Frictionless
    • Visa: 4868719196829038
    • Mastercard: 5329879707824603

 "authentication_result": {
"liability_shift": "POSSIBLE",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "Y"
}
}
Failed Frictionless Authentication
    • Visa: 4868719158130060
    • Mastercard: 5329879769571910

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "N"
}
}
Attempts Stand-In Frictionless Authentication
    • Visa: 4868719581920723
    • Mastercard: 5329879715396727

 "authentication_result": {
"liability_shift": "POSSIBLE",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "A"
}
}
Unavailable Frictionless Authentication from the Issuer
    • Visa: 4868719033482561
    • Mastercard: 5329879705777613

 "authentication_result": {
"liability_shift": "NO",
}
Rejected Frictionless Authentication by the Issuer
    • Visa: 4868719081564153
    • Mastercard: 5319541865518409

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "R"
}
}
Authentication Not Available on Lookup
    • Visa: 4868719488651967
    • Mastercard: 5329879714462553

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "U",
}
}
Error on Lookup
    • Visa: 4868719212118267
    • Mastercard: 5329879799002902

 "authentication_result": {
"liability_shift": "NO",
}
Timeout on cmpi_lookup Transaction
    • Visa: 4868719447403153
    • Mastercard: 5329879712676014

 "authentication_result": {
"liability_shift": "NO",
}
Successful Step Up Authentication
    • Visa: 4868719166101368
    • Mastercard: 5329879735316929

 "authentication_result": {
"liability_shift": "POSSIBLE",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "Y"
}
}
Failed Step Up Authentication
    • Visa: 4868719181895556
    • Mastercard: 5329879768013724

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "N"
}
}
Step Up Authentication is Unavailable
    • Visa: 4868719557718580
    • Mastercard: 5329879734808405

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "U"
}
}
Error on Authentication
    • Visa: 4868719841831470
    • Mastercard: 5329879759348949

 "authentication_result": {
"liability_shift": "UNKNOWN",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "U"
}
}
Bypassed Authentication
    • Visa: 4868719387168584
    • Mastercard: 5329879774090658

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "B",
}
}
Require MethodURL
    • Visa: 4868719420856260
    • Mastercard: 5329879778167759

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "U",
}
}
Suspected Fraud
    • Visa: 4868719414353647

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "R"
}
Cardholder Not Enrolled in Service
    • Visa: 4868719272965169

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
}
}
Transaction timed out at the ACS
    • Visa: 4868719242028502

 "authentication_result": {
"liability_shift": "NO",
}
Non-Payment transaction not supported
    • Visa: 4868719696031259

 "authentication_result": {
"liability_shift": "NO",
}
Merchant-Initiated Authentication (3RI) transaction not supported
    • Visa: 4868719785718543

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "U"
}
Transaction Risk Analysis (TRA) / Low Value - Mastercard
    • Mastercard: 5329879716900121

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "N"
}
}
Transaction Risk Analysis (TRA) / Low Value - Mastercard
    • Mastercard: 5329879767403439

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "N"
}
}
Transaction Risk Analysis (TRA) / Low Value - Visa
    • Visa: 4868719664345830

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "I"
}
Prompt For Whitelist
    • Visa: 4868719995056080

 "authentication_result": {
"liability_shift": "POSSIBLE",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "Y"
}
}
Utilize Trusted Beneficiary Exemption
    • Visa: 4868719117473452

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "Y"
}
}
Identity Check Insights (ScoreRequest = N)
    • Mastercard: 5329879747887362

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "U"
}
}
Identity Check Insights (ScoreRequest = Y)
    • Mastercard: 5329879702238494

 "authentication_result": {
"liability_shift": "NO",
"three_d_secure": {
"enrollment_status": "Y",
"authentication_status": "U"
}
}

Next steps

Optional

Test in Paypal Sandbox

A self-contained, virtual testing environment

Optional

Go Live

Move from PayPal's production environment to go live.

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