Testing

In this section:

Test Payment Cards

To test your failure pages use a Test Payment Card. The test will always return an OK response and an Authorisation Code. All other card numbers will be declined. Always use the CVV of 123 (1234 for Amex cards). 

Available test payment cards for 3D Secure testing

Payment Method

Card Number

Card Type

Visa

4929000000006

Visa

Visa

4929000005559

Visa

Visa

4929000000014

Visa

Visa

4929000000022

Visa

Visa Corporate

4484000000002

Visa

Visa Debit

4462000000000003

VisaDebit

Visa Electron

4917300000000008

VisaElectron

MasterCard

5186150660000009

MasterCard

MasterCard

5186150660000025

MasterCard

MasterCard

5186150660000108

MasterCard

MasterCard

5186150660000207

MasterCard

Debit MasterCard

5185690060000001

DebitMasterCard

Maestro (UK Issued)

6759000000005

Maestro

Maestro (German Issued)

6705000000008

Maestro

Maestro (Irish Issued)

5185570760000008

Maestro

Maestro (Spanish Issued)

6766000000000

Maestro

American Express

374200000000004

AmericanExpress

Diners Club / Discover

36000000000008

Discover

JCB

3569990000000009

JCB

Magic CardHolder Values

The following table lists our magic CardHolder values. When you test your Opayo Direct transaction request, these simulate 3D-Authenticated transaction responses.

Magic Cardholder Values

Magic Value

3DSecureStatus

Description

SUCCESSFUL

OK

Returned for a frictionless flow where authentication is successful.

NOTAUTH

NOTAUTHED

Returned for a frictionless flow where authentication is unsuccessful.

CHALLENGE

Status=3DAUTH

3DSecureStatus=OK

Returned for a challenge flow. The cardholder will be re-directed to the ACS to enter two-factor authentication. A CReq, VPSTxId, ACSURL and StatusDetail will also be returned.

Once you re-direct to the ACSURL, entering the correct password displayed on the site will simulate a successful authentication, entering any other password will simulate an unsuccessful authentication.

PROOFATTEMPT

ATTEMPTONLY

The cardholder attempted to authenticate themselves, and the process did not complete. A CAVV is returned and this is treated as being successfully authenticated.

TECHDIFFICULTIES

INCOMPLETE

3D-Secure authentication was unable to complete. No authentication occurred.

ERROR

ERROR

Simulates an error condition where 3D-Authentication cannot be performed due to data errors or service unavailability in one

of the parties involved in the check.

3D Secure Scenarios

You can enter the following characters into the password field to simulate different scenarios:

3DSv2

Value

Description

challenge

Successful authentication. (All other phrases will fail authentication)

 

Important: All other phrases will fail the authentication, allowing you to test your rules and 3D Secure response handling.

Test Address values

Test your Rule Base and fraud-specific code by omitting the following codes:

  • Billing Address 1: 88
  • Billing Post Code: 412

The transaction will authorise and you will receive NOTMATCHED messages in the AVS/CV2 checks.

Support

Email the Opayo Support team for help with your debugging issues.