3D Secure Test Triggers

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3D Secure procesing via the 3D Secure endpoints can result in a frictionless flow or require device fingerprinting, a challenge or both device fingerprinting and a challenge. Use the tables below to test the various scenarios

Frictionless Flow

In this flow, the cardholder is authenticated based on the information provided on the transaction itself, without any additional authentication (such as device fingerprint or challenge method). You will immediately receive a fully authenticated 3D Secure result and authorisation decision, in response to your request.

Device Fingerprint

In this scenario, the issuer requests more information about the device that initiated the transaction (note: this is not a biometric fingerprint! - depending on the issuer this can be the cardholder’s browser or other information used for risk analysis). The information is transferred electronically without the cardholder experiencing any change in the flow and simulates a scenario where the card issuer is satisfied with the authenticity of the cardholder (frictionless experience).

Challenge

In this scenario, the issuer requires a user challenge flow where the cardholder is prompted with an authentication screen.

For the purpose of this test case, in your web browser, access the issuer URL (3ds_acsurl) you receive in response to your initial request and provide a One-Time Password (OTP). Different OTPs are provided to simulate a successful or unsuccessful cardholder challenge.

Device Fingerprint and Challenge

This scenario requires full authentication of the cardholder with both device fingerprint flow and cardholder challenge.