Testing 3D Secure 2 Authentication

Testing 3D Secure 2 Authentication
﻿
Important to Consider
Ensure Judopay has enabled 3D Secure 2 on your sandbox tokens.
If 3D Secure 2 is not enabled on your tokens, the test transaction will be successful, however it will not have followed the 3D Secure 2 verification process.
Contact Customer Support to set this up.
The following 3D Secure 2 scenarios are intended for merchants who are directly integrating with Judopay, to test the 3D Secure 2 frictionless and challenge flows﻿.
If you are integrating using Judopay's front end / UI SDK, the 3D Secure 2 flows are handled on your behalf. 
﻿
CardHolderName Table
To trigger a challenge response without device details, from the CardHolderName table, use cardHolderName:
Frictionless NoMethod
with challengeRequestIndicator=challengeAsMandate.
If you specify a different cardHolderName to any found in the table below, the Frictionless Successful flow will be the default flow.
CardHolderName
Flow Type
Expected Responses
ECI*
Frictionless Successful
Frictionless
DeviceDetails
Receipt
05
Frictionless NoMethod
Frictionless
Receipt
05
Frictionless AuthNotSuccess
Frictionless
DeviceDetails
Error code 177
06
Frictionless AuthFailed
Frictionless

DeviceDetails
Error code 165
07
Frictionless IssuerReject
Frictionless
DeviceDetails
Error code 186
07

Frictionless AuthenticationError
Frictionless

DeviceDetails
Error code 182
07
Challenge Required

Challenge
DeviceDetails
Challenge
Receipt
N/A
*Electronic Commerce Indicator
The Electronic Commerce Indicator (ECI) as received from the 3D Secure Server. Denotes the 3D Secure Authentication status, used to show liability status.
For more information, see Liability Shift﻿.
You should check how your app responds to the different transaction results.
﻿
Testing Frictionless 3D Secure 2 Flows
Request Example
{
  "cardNumber": 4976000000003436,
  "cv2": 452,
  "expiryDate": "12/25",
  "cardAddress": {
    "address1": "32 Mulberry Street",
    "address2": "Eastfort",
    "town": "Violetdell",
    "postCode": "VL14 8PA",
    "countryCode": 826
  },
  "judoId": "yourJudoId",
  "yourConsumerReference": "yourConsumerReference",
  "yourPaymentReference": "yourPaymentReference",
  "yourPaymentMetaData": {
    "internalLocationRef": "Example",
    "internalId": 99
  },
  "amount": 150.10,
  "currency": "GBP",
  "cardHolderName": "Frictionless Successful",
  "mobileNumber": 7999999999,
  "phoneCountryCode": 44,
  "emailAddress": "[email protected]",
  "shippingAddress": {
    "isBillingAddress": true
  },
  "threeDSecure": {
    "authenticationSource": "Browser",
    "methodNotificationUrl": "https://api-sandbox.judopay.com/order/3ds/methodNotification",
    "challengeNotificationUrl": "https://api-sandbox.judopay.com/order/3ds/challengeNotification",
    "challengeRequestIndicator": "noChallenge"
  }
}
{
  "cardNumber": 4976000000003436,
  "cv2": 452,
  "expiryDate": "12/25",
  "cardAddress": {
    "address1": "32 Mulberry Street",
    "address2": "Eastfort",
    "town": "Violetdell",
    "postCode": "VL14 8PA",
    "countryCode": 826
  },
  "judoId": "yourJudoId",
  "yourConsumerReference": "yourConsumerReference",
  "yourPaymentReference": "yourPaymentReference",
  "yourPaymentMetaData": {
    "internalLocationRef": "Example",
    "internalId": 99
  },
  "amount": 150.10,
  "currency": "GBP",
  "cardHolderName": "Frictionless Successful",
  "mobileNumber": 7999999999,
  "phoneCountryCode": 44,
  "emailAddress": "first.last@test.com",
  "shippingAddress": {
    "isBillingAddress": true
  },
  "threeDSecure": {
    "authenticationSource": "Browser",
    "methodNotificationUrl": "https://api-sandbox.judopay.com/order/3ds/methodNotification",
    "challengeNotificationUrl": "https://api-sandbox.judopay.com/order/3ds/challengeNotification",
    "challengeRequestIndicator": "noChallenge"
  }
}
﻿
﻿
﻿
Successful Frictionless Scenarios
﻿
﻿
Frictionless Successful:
Frictionless Successful
Expected Outcome*
Example Response: Step One
Example Response: Step Two
Card Type
CardHolderName
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Frictionless Successful
4976 0000 0000 3436
12/25
11/20
452
32 Mulberry Street,
Eastfort,
Violetdell
VL14 8PA
The 3D Secure 2 flow will return conditional steps should additional information be required from the consumer.
In response to the initial call:
First Response: Device Details
No additional information is required:
Second Response: Receipt
Step One: Initial request -> Device Details response:
{  
  "methodUrl":"https://test.portal.gpwebpay.com/ paysim/sim/acs",  
  "version": "2.2.0",  
  "receiptId": "933044681309327360",  
  "result": "Additional device data is needed for 3D Secure 2",  
  "message": "Issuer ACS has requested additional device data gathering", 
  "md" "ewogICJ0aHJlZURTU2VydmVyVHJh" 
}
Step Two: Receipt response:
{  
    "receiptId": "933048235499622400",  
    "yourPaymentReference": "df11021c-7435-4894-8eb2a",  
    "type": "Payment",  
    "createdAt": "2023-01-18T17:20:34.5486+00:00",  
    "result": "Success",  
    "message": "AuthCode: 150",  
    "judoId": 100502814,  
    "merchantName":  "Test Merchant", 
    "appearsOnStatementAs":  "Test Merchant", 
    "originalAmount": "150.10",  
    "netAmount": "150.10",  
    "amount": "150.10",  
    "currency": "GBP",  
    "acquirerTransactionId": "7017269349",  
    "externalBankResponseCode": "0",  
    "cardDetails":  {  
        "cardLastfour": "3436",  
        "endDate": "1225",  
        "cardToken": "SOF-jUB--6lcSFKEIePAvizxvA",  
        "cardType": 1,  
        "cardScheme": "VISA",  
        "cardFunding": "Credit",  
        "cardCategory": "",  
        "cardCountry": "US",  
        "bank": "JPMORGAN CHASE BANK, N.A."  
        },  
    "billingAddress":  {  
        "address1": "32 Mulberry Street",
        "address2": "Eastfort",
        "town": "Violetdell",
        "postCode": "VL14 8PA",
        "countryCode": 826
     },
        },  
    "consumer":  {  
        "yourConsumerReference": "3ds2 test-1"  
        },  
    "threeDSecure":  {  
        "attempted": true,  
        "result": "PASSED"  
        },  
    "risks":  {  
        "postCodeCheck": "UNKNOWN",  
        "cv2Check": "UNKNOWN",  
        "eciIndicator": "05"  
        } 
}
﻿
Frictionless NoMethod:
Frictionless NoMethod
Expected Outcome*
Example Response: Step One
Card Type
CardHolderName
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Frictionless NoMethod
4921 8100 0000 5462
12/25
11/20
441
11 Jackson Close,
Stoneden,
Wildefay
WL2 7DQ
The 3D Secure 2 flow will return conditional steps should additional information be required from the consumer.
In response to the initial call, no additional information is required:
First Response: Receipt
﻿
Step One: Receipt response:
 {   
    "receiptId": "933048235499622400",  
    "yourPaymentReference": "df11021c-7435-4894-8eb2a",  
    "type": "Payment",  
    "createdAt": "2023-01-18T17:20:34.5486+00:00",  
    "result": "Success",  
    "message": "AuthCode: 150",  
    "judoId": 100502814,  
    "merchantName":  "Test Merchant",  
    "appearsOnStatementAs":  "Test Merchant",  
    "originalAmount": "150.10",  
    "netAmount": "150.10",  
    "amount": "150.10",  
    "currency": "GBP",  
    "acquirerTransactionId": "7017269349",  
    "externalBankResponseCode": "0",  
    "cardDetails":  {  
        "cardLastfour": "5462",  
        "endDate": "1225",  
        "cardToken": "SOF-jUB--6lcSFKEIePAvizxvA",  
        "cardType": 1,  
        "cardScheme": "VISA",  
        "cardFunding": "Credit",  
        "cardCategory": "",  
        "cardCountry": "US",  
        "bank": "JPMORGAN CHASE BANK, N.A."  
        },  
    "billingAddress":  {
        "address1": "11 Jackson Close",
        "address2": "Stoneden",
        "town": "Wildefay",
        "postCode": "WL2 7DQ",
        "countryCode": 826
  },
    "consumer":  {  
        "yourConsumerReference": "3ds2 test-1"  
        },  
    "threeDSecure":  {  
        "attempted": true,  
        "result": "PASSED"  
        },  
    "risks":  {  
        "postCodeCheck": "UNKNOWN",  
        "cv2Check": "UNKNOWN",  
        "eciIndicator": "05"  
        } 
 
*The expected outcome shows the conditional steps within the 3DS 2 flow. 
Depending on how you are integrating with Judopay, you may only see the receipt or error response. 
For example, if you are using Judopay's front end / UI SDK, this will handle the conditional steps on your behalf. 
You will not see the conditional device details check step, as this occurs in the background.
It is useful to have an understanding of the full 3DS 2 payment flow, including the conditional steps, to verify how it relates to the user journey in your app. 

For more information on the 3DS 2 flow, see:
﻿Overview of the Frictionless and Challenge Flow﻿.
﻿
Unsuccessful Frictionless Scenarios
Frictionless AuthNotSuccess:
Frictionless AuthNotSuccess
Expected Outcome*
Example Response: Step One
Example Error Response
Card Type
CardHolderName
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Frictionless AuthNotSuccess
422169 0000004963
﻿
12/25
11/20
125
274 Grove Street,
Rayvale,
Vertland
VT22 6JN
﻿
The 3D Secure 2 flow will return conditional steps should additional information be required from the consumer.
In response to the initial call:
First Response: Device Details
In response to the call made to /resume3ds
Error code 177: Authentication was attempted but failed due to Issuer response.
Step One: Initial request -> Device Details response:
{  
  "methodUrl":"https://test.portal.gpwebpay.com/ paysim/sim/acs",  
  "version": "2.2.0",  
  "receiptId": "933044681309327360",  
  "result": "Additional device data is needed for 3D Secure 2",  
  "message": "Issuer ACS has requested additional device data gathering", 
  "md" "ewogICJ0aHJlZURTU2VydmVyVHJh" 
}
Error response:
{
  "message": "Authentication was attempted but failed due to Issuer response.",
  "code": 177,
  "category": 4
}
﻿
Frictionless AuthFailed:
Frictionless AuthFailed
Expected Outcome*
Example Response: Step One
Example Error Response
Card Type
CardHolderName
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Frictionless AuthFailed
492181 0000009076
12/25
11/20
875
4 Laurel Drive,
Prywynne,
Swynbeach 
SY7 0JB
﻿
﻿
The 3D Secure 2 flow will return conditional steps should additional information be required from the consumer.
In response to the initial call:
First Response: Device Details
In response to the call made to /resume3ds
Error code 165: Unable to process transaction. Card authentication failed with 3DS Server.
Step One: Initial request -> Device Details response:
{  
  "methodUrl":"https://test.portal.gpwebpay.com/ paysim/sim/acs",  
  "version": "2.2.0",  
  "receiptId": "933044681309327360",  
  "result": "Additional device data is needed for 3D Secure 2",  
  "message": "Issuer ACS has requested additional device data gathering", 
  "md" "ewogICJ0aHJlZURTU2VydmVyVHJh" 
}
Error response:
{
  "message": "Unable to process transaction. Card authentication failed with 3DS
   Server.",
  "code": 165,
  "category": 4
}
 
Frictionless IssuerReject:
Frictionless IssuerReject
Expected Outcome*
Example Response: Step One
Example Error Response
Card Type
CardHolderName
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Frictionless IssuerReject
4792840 000009202
12/25
11/20
654
9 Pearl Street,
Dracmeadow,
Byhedge
BH11 9BB
﻿
The 3D Secure 2 flow will return conditional steps should additional information be required from the consumer.
In response to the initial call:
First Response: Device Details
In response to the call made to /resume3ds
Error code 186: Authentication rejected by the Issuer as card used is flagged as stolen.
Step One: Initial request -> Device Details response:
{  
  "methodUrl":"https://test.portal.gpwebpay.com/ paysim/sim/acs",  
  "version": "2.2.0",  
  "receiptId": "933044681309327360",  
  "result": "Additional device data is needed for 3D Secure 2",  
  "message": "Issuer ACS has requested additional device data gathering", 
  "md" "ewogICJ0aHJlZURTU2VydmVyVHJh" 
}
Error response:
{
  "message": "Authentication rejected by the Issuer as card used is flagged as
   stolen.",
  "code": 186,
  "category": 4
}
 
﻿
Frictionless AuthenticationError:
Frictionless AuthenticationError
Expected Outcome*
Example Response: Step One
Example Error Response
Card Type
CardHolderName
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Frictionless AuthenticationError
4921810 000005850
12/25
11/20
217
54 Madison Avenue,
Aldapple,
Rayland
RL5 0HA
﻿
The 3D Secure 2 flow will return conditional steps should additional information be required from the consumer.
In response to the initial call:
First Response: Device Details
In response to the call made to /resume3ds
Error code 182: Unable to authenticate transaction as card authentication has failed.
Step One: Initial request -> Device Details response:
{  
  "methodUrl":"https://test.portal.gpwebpay.com/ paysim/sim/acs",  
  "version": "2.2.0",  
  "receiptId": "933044681309327360",  
  "result": "Additional device data is needed for 3D Secure 2",  
  "message": "Issuer ACS has requested additional device data gathering", 
  "md" "ewogICJ0aHJlZURTU2VydmVyVHJh" 
}
Error response:
{
  "message": "Unable to authenticate transaction as card authentication has
   failed.",
  "code": 182,
  "category": 4
}
 
*The expected outcome shows the conditional steps within the 3DS 2 flow. 
Depending on how you are integrating with Judopay, you may only see the receipt or error response. 
For example, if you are using Judopay's front end / UI SDK, this will handle the conditional steps on your behalf. 
You will not see the conditional device details check step, as this occurs in the background.
It is useful to have an understanding of the full 3DS 2 payment flow, including the conditional steps, to verify how it relates to the user journey in your app. 

For more information on the 3DS 2 flow, see:
﻿Overview of the Frictionless and Challenge Flow﻿.
﻿
Testing a Challenge 3D Secure 2 Flow
﻿
Challenge Required:

Challenge Required
Expected Outcome*
Example Response: Step One
Example Response: Step Two
Example Response: Step Three
Card Type
CardHolderName
Card Number
Expiry Date
Start Date
CV2
Address
Visa
Challenge Required
4792840 000009202
12/25
11/20
654
9 Pearl Street,
Dracmeadow,
Byhedge
BH11 9BB
The 3D Secure 2 flow will return conditional steps should additional information be required from the consumer.
In response to the initial call:
First Response: Device Details
In response to the call made to /resume3ds
Second Response: Challenge
In response to the call made to /complete3ds
Third Response: Receipt
Step One: Initial request -> Device Details response:
{  
  "methodUrl":"https://test.portal.gpwebpay.com/ paysim/sim/acs",  
  "version": "2.2.0",  
  "receiptId": "933044681309327360",  
  "result": "Additional device data is needed for 3D Secure 2",  
  "message": "Issuer ACS has requested additional device data gathering", 
  "md" "ewogICJ0aHJlZURTU2VydmVyVHJh" 
}
Step Two: Resume 3ds2 request -> Challenge Required response:
{  
    "challengeUrl": "https://acs2p.test.gpe.cz/challenge",  
    "cReq": "ewogICJtZXNzYWdlVHlwZSIgOi",  
    "version": "2.1.0",  
    "receiptId": "933047860931497984",  
    "result": "Challenge completion is needed for 3D Secure 2",  
    "message": "Issuer ACS has responded with a Challenge URL",  
    "md": "ewogICJ0aHJlZURTU2VydmVyVHJhb" 
}
Step Three: Complete 3ds2 request -> Receipt response:
{  
    "receiptId": "933048235499622400",  
    "yourPaymentReference": "df11021c-7435-4894-8eb2a",  
    "type": "Payment",  
    "createdAt": "2023-01-18T17:20:34.5486+00:00",  
    "result": "Success",  
    "message": "AuthCode: 150",  
    "judoId": 100502814,  
    "merchantName": "Test Merchant",  
    "appearsOnStatementAs": "Test Merchant",  
    "originalAmount": "150.10",  
    "netAmount": "150.10",  
    "amount": "150.10",  
    "currency": "GBP",  
    "acquirerTransactionId": "7017269349",  
    "externalBankResponseCode": "0",  
    "cardDetails":  {  
        "cardLastfour": "3436",  
        "endDate": "1225",  
        "cardToken": "SOF-jUB--6lcSFKEIePAvizxvA",  
        "cardType": 1,  
        "cardScheme": "VISA",  
        "cardFunding": "Credit",  
        "cardCategory": "",  
        "cardCountry": "US",  
        "bank": "JPMORGAN CHASE BANK, N.A."  
        },  
    "billingAddress":  {  
       "address1": "32 Mulberry Street",  
       "address2": "Eastfort",
       "town": "Violetdell",
       "postCode": "VL14 8PA",
       "countryCode": 826
        },  
    "consumer":  {  
        "yourConsumerReference": "3ds2 test-1"  
        },  
    "threeDSecure":  {  
        "attempted": true,  
        "result": "PASSED"  
        },  
    "risks":  {  
        "postCodeCheck": "UNKNOWN",  
        "cv2Check": "UNKNOWN",  
        "eciIndicator": "05"  
        } 
}
 
*The expected outcome shows the conditional steps within the 3DS 2 flow. 
Depending on how you are integrating with Judopay, you may only see the receipt or error response. 
For example, if you are using Judopay's front end / UI SDK, this will handle the conditional steps on your behalf. 
You will not see the conditional device details check step, as this occurs in the background.
It is useful to have an understanding of the full 3DS 2 payment flow, including the conditional steps, to verify how it relates to the user journey in your app. 
For more information on the 3DS 2 flow, see Overview of the Frictionless and Challenge Flow﻿.
For a list of possible error codes, types and descriptions, see Codes and Descriptions﻿.
﻿

CardHolderName	Flow Type	Expected Responses	ECI*
Frictionless Successful	Frictionless	DeviceDetails Receipt	05
Frictionless NoMethod	Frictionless	Receipt	05
Frictionless AuthNotSuccess	Frictionless	DeviceDetails Error code 177	06
Frictionless AuthFailed	Frictionless	DeviceDetails Error code 165	07
Frictionless IssuerReject	Frictionless	DeviceDetails Error code 186	07
Frictionless AuthenticationError	Frictionless	DeviceDetails Error code 182	07
Challenge Required	Challenge	DeviceDetails Challenge Receipt	N/A

Card Type	CardHolderName	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Frictionless Successful	4976 0000 0000 3436	12/25	11/20	452	32 Mulberry Street, Eastfort, Violetdell VL14 8PA

Card Type	CardHolderName	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Frictionless NoMethod	4921 8100 0000 5462	12/25	11/20	441	11 Jackson Close, Stoneden, Wildefay WL2 7DQ

Card Type	CardHolderName	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Frictionless AuthNotSuccess	422169 0000004963	12/25	11/20	125	274 Grove Street, Rayvale, Vertland VT22 6JN

Card Type	CardHolderName	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Frictionless AuthFailed	492181 0000009076	12/25	11/20	875	4 Laurel Drive, Prywynne, Swynbeach SY7 0JB

Card Type	CardHolderName	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Frictionless IssuerReject	4792840 000009202	12/25	11/20	654	9 Pearl Street, Dracmeadow, Byhedge BH11 9BB

Card Type	CardHolderName	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Frictionless AuthenticationError	4921810 000005850	12/25	11/20	217	54 Madison Avenue, Aldapple, Rayland RL5 0HA

Card Type	CardHolderName	Card Number	Expiry Date	Start Date	CV2	Address
Visa	Challenge Required	4792840 000009202	12/25	11/20	654	9 Pearl Street, Dracmeadow, Byhedge BH11 9BB

Updated 11 Nov 2024

Testing your Direct (API) Integration

Testing Card Payments