Test your integration

On this page:

3DS 2 Test cards

You can use the following card numbers when testing your integration. These test cards are approved for use with Elavon's test systems and they will return an error if used in a live environment. Also, tests using any other test card numbers not listed here may return an error.

error_outline
important

A. Do not use live numbers for testing.

B. You can use any future date for the expiration date and any value as the CVC/CVV code.

3DS 2 - Test cards for /3ds2/lookup scenarios

Scenario: ACS Version 2.1.0 and threeDSMethodURL present in the /3ds2/lookup response

  • Visa - 4000000000000077
  • Mastercard - 5123610000000007
  • American Express - 370000000000002
  • Discover - 6011000990139424
  • Diners - 36070500001012

Scenario: ACS Version 2.1.0 and threeDSMethodURL and threeDSMethodData NOT present in the /3ds2/lookup response

  • Visa - 4601660000000014
  • Discover - 6011800000000007

Scenario: ACS Version 1.0.2

  • Visa - 4698460128979270

Scenario: Out of range card number

Any account/card number other than the card numbers mentioned on this page. For example, 7008013267046805.

For sample scenarios, see /3ds2/lookup scenarios

3DS 2 - Test cards for /3ds2/authenticate scenarios

error_outline
note

If you use the purchaseAmount to trigger a scenario, you can use any valid card number in the acctNumber field. If you use the acctNumber to trigger a scenario, you can use any purchaseAmount.

Frictionless flow: Transaction is successfully authenticated

transStatus: Y

eci returned: 05 (Visa)/ 02 (Mastercard)

authenticationValue returned: Yes

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 100
  • acctNumber = 4000000000000101 for Visa
  • acctNumber = 5413330089604111 for Mastercard

Liability shift: Card issuer

Next step: Merchant can use the eci and authenticationValue values and proceed to card authorization.

Frictionless flow: Transaction is not authenticated but a proof of authentication attempt is generated

transStatus: A

eci returned: 06 (Visa) / 01(Mastercard)

authenticationValue returned: Yes

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 101
  • acctNumber = 4000000000000119 for Visa
  • acctNumber = 5353161802533432 for Mastercard

Liability shift: Card issuer

Next step: Merchant can use the eci and authenticationValue values and proceed to card authorization.

Frictionless flow: Transaction is not authenticated but a proof of authentication attempt is generated

transStatus: A

eci returned: A6 (Visa and Amex)/ 01 (Mastercard)

authenticationValue returned: Yes

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 102
  • acctNumber = 4000000000000150 for Visa

Liability shift: Card issuer

Next step: Merchant can use the eci and authenticationValue values and proceed to card authorization.

Frictionless flow: Transaction is not authenticated

transStatus: N

eci returned: NA

authenticationValue returned: No

transStatusReason returned: Yes

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 103
  • acctNumber = 4000000000000127 for Visa
  • acctNumber = 5413330089600036 for Mastercard

Liability shift: No liability shift

Next step: If you get this value, verify the value in the transStatusReason field. Based on the value received, you can do either of the following:

  • Try to send the authentication request again

  • Ask the customer for another form of payment

  • Decline the transaction

  • Move forward with authorization at your own risk

Frictionless flow: Transaction is not authenticated because of technical or other problems

transStatus: U

eci returned: NA

authenticationValue returned: No

transStatusReason returned: Yes

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 104
  • acctNumber = 4000000000000135 for Visa

Liability shift: No liability shift

Next step: If you get this value, verify the value in the transStatusReason field. Based on the value received, you can do either of the following:

  • Try to send the authentication request again

  • Ask the customer for another form of payment

  • Decline the transaction

  • Move forward with authorization at your own risk

Frictionless flow: Transaction is not authenticated because the issuer is rejecting authentication

transStatus: R

eci returned: NA

authenticationValue returned: No

transStatusReason returned: Yes

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 105
  • acctNumber = 4000000000000143 for Visa

Liability shift: No liability shift

Next step: If you get this value, verify the value in the transStatusReason field. Based on the value received, you can do either of the following:

  • Try to send the authentication request again

  • Ask the customer for another form of payment

  • Decline the transaction

  • Process the transaction at your own risk; however, note that no liability shift will occur

Error: Directory Server Timed out

transStatus: NA

eci returned: NA

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 901
  • acctNumber = 4000000000000416 for Visa

Error: Directory Server Unavailable

transStatus: NA

eci returned: NA

Test values: Set one of the following values in the /3ds2/authenticate request:

  • purchaseAmount = 902
  • acctNumber = 4000000000000424 for Visa

ACS method call timeout

transStatus: NA

eci returned: NA

Test values: In the /3ds2/lookup request, set acctNumber = 4000000000000010

ACS method call failure

transStatus: NA

eci returned: NA

Test values: In the /3ds2/lookup request, set acctNumber = 4000000000000002

ACS method notify call failure

transStatus: NA

eci returned: NA

Test values: In the /3ds2/lookup request, set acctNumber = 4000000000000028

For sample scenarios, see /3ds2/authenticate scenarios

3DS 2: Test cards to test 3DS Requestor Initiated (3RI) Transactions

Frictionless flow: Transaction is successfully authenticated

transStatus: Y

Other values returned: authenicationValue and eci

Test values: In the /3ds2/authenticate request, set acctNumber = 4000000000000101

Frictionless flow: Transaction is not authenticated but a proof of authentication attempt is generated

transStatus: A

Other values returned: authenicationValue and eci

Test values: In the /3ds2/authenticate request, set acctNumber = 4000000000000119

Transaction is not authenticated

transStatus: N

Other values returned: transStatusReason

Test values: In the /3ds2/authenticate request, set acctNumber = 4000000000000127

To test a transaction that was not authenticated because of technical or other problems

transStatus: U

Other values returned: transStatusReason

Test values: In the /3ds2/authenticate request, set acctNumber = 4000000000000135

To test a transaction that was not authenticated because the issuer is rejecting authentication

transStatus: R

Other values returned: transStatusReason

Test values: In the /3ds2/authenticate request, set acctNumber = 4000000000000143

For sample scenarios, see /3ds2/authenticate scenarios

3DS 1 - Test cards to test scenarios that support only 3DS 1 or 3DS 1 fallback

Note that in a 3DS 1 transaction, the response returns the transStatus value as either of the following: Y, N, U, A. The eci and authenticationValue fields are returned in the response only for transStatus = Y or A.

Scenario: Card supports only 3DS 1 and also enrolled in 3DS 1

  • Mastercard - 5000620300000001
  • Visa - 4000000000000000022
  • American Express - 345177925488348

Scenario: Card supports only 3DS 1 but not enrolled in 3DS 1

  • Mastercard - 2222400070000005
  • Visa - 4988438843884305

Scenario: Card supports only 3DS 2. Returns an error when 3DS 1 fallback is attempted

  • Visa - 4485575886748612

Sample scenarios: /3ds2/lookup

Sample scenarios: /3ds2/authenticate

Lookup scenarios (/3ds2/lookup)

Lookup Scenario 1: Account number supports EMV 3DS 2.1 and is available in Elavon's bin database, an internal repository

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/lookup

{
   "messageId" : "0b0deb70-3249-4c73-9cf5-92f6cac231af",
   "acctNumber" : "4485363933630",
   "doBinLookup" : true,
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion" : "2.1.0"
}

Sample response

{
   "messageId" : "0b0deb70-3249-4c73-9cf5-92f6cac231af",
   "threeDSServerTransID" : "dc94433c-d001-47d1-aa3b-842ef658abe3",
   "directoryServerId" : "DirectoryServerID-DEMO-VISA",
   "dsStartProtocolVersion" : "2.1.0",
   "dsEndProtocolVersion" : "2.2.0",
   "acsStartProtocolVersion" : "2.1.0",
   "acsEndProtocolVersion" : "2.2.0",
   "threeDSMethodURL" : "https://uat.acs.fraud.eu.elavonaws.com/acs/method/VISA",
   "threeDSMethodData" : "ewogICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjogImh0dHBzOi8vZGV2Lmd3LmZyYXVkLmV1LmVsYXZvbmF3cy5jb20vbm90aWZ5L21ldGhvZF9ub3RpZnkiLAogICJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ICJkYzk0NDMzYy1kMDAxLTQ3ZDEtYWEzYi04NDJlZjY1OGFiZTMiCn0=",
   "binInfo" : {
         "bin" : "448536",
         "scheme" : "Visa",
         "brand" : "Visa Credit",
         "fundingSource" : "credit",
         "issuingBank" : "BANKERS' BANK OF KANSAS",
         "issuingCountry" : "USA",
         "issuingCurrency" : "USD",
         "isDebit" : "false",
         "isCorporate" : "true",
         "isDccAllowed" : "true"
   },
   "serverStartProtocolVersion": "2.1.0", 
   "serverEndProtocolVersion": "2.1.0"
}

error_outline
note

If the doBinLookup parameter is set to false, the binInfo object is not returned in the response.

Lookup Scenario 2: Account number supports EMV 3DS 2.1, but is not available in Elavon's bin database, an internal repository

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/lookup

{
   "messageId" : "0b0deb70-3249-4c73-9cf5-92f6cac231af",
   "acctNumber" : "5377955933798158",
   "doBinLookup" : true,
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion" : "2.1.0"
}

Sample response

{
   "threeDSServerTransID" : "bbd3a975-ba7c-4a14-8a94-3e08701da0b4",
   "directoryServerId" : "DirectoryServerID-DEMO-MC",
   "dsStartProtocolVersion" : "2.1.0",
   "dsEndProtocolVersion" : "2.2.0",
   "acsStartProtocolVersion" : "2.1.0",
   "acsEndProtocolVersion" : "2.2.0",
   "threeDSMethodURL" : "https://uat.acs.fraud.eu.elavonaws.com/acs/method/MC",
   "threeDSMethodData" : "ewogICJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjogImh0dHBzOi8vZGV2Lmd3LmZyYXVkLmV1LmVsYXZvbmF3cy5jb20vbm90aWZ5L21ldGhvZF9ub3RpZnkiLAogICJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ICJiYmQzYTk3NS1iYTdjLTRhMTQtOGE5NC0zZTA4NzAxZGEwYjQiCn0=",
   "binInfo" : {
      "bin" : "537795",
      "scheme" : "Unknown",
      "brand" : "Unknown",
      "fundingSource" : "unknown",
      "isDebit" : "unknown",
      "isCorporate" : "unknown",
      "isDccAllowed" : "unknown"
   },
   "serverStartProtocolVersion": "2.1.0", 
   "serverEndProtocolVersion": "2.1.0"
}

error_outline
note

If the doBinLookup parameter is set to false, the binInfo object is not returned in the response.

Lookup Scenario 3: Account number does not support EMV 3DS 2.1, but is available in Elavon's bin database, an internal repository

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/lookup

{
   "messageId" : "0b0deb70-3249-4c73-9cf5-92f6cac231af",
   "acctNumber" : "5893501234567891231",
   "doBinLookup" : true,
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion" : "2.1.0"
}

Sample response

{
   "messageId" : "0b0deb70-3249-4c73-9cf5-92f6cac231af",
   "error" : {
      "messageType" : "Erro",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "3f21d17d-0f6e-44b4-92c4-e5300e672743",
      "errorCode" : "305",
      "errorComponent" : "S",
      "errorDescription" : "Account number not supported",
      "errorDetail" : "Account number not supported by 3DS 2.1. Validate the account number: 58XXXXXXXXXXXXX1231"
   },
  "binInfo" : {
      "bin" : "589350",
      "scheme" : "MasterCard",
      "brand" : "Maestro",
      "fundingSource" : "debit",
      "issuingCountry" : "BES",
      "issuingCurrency" : "USD",
      "isDebit" : "true",
      "isCorporate" : "false",
      "isDccAllowed" : "true"
   },
   "serverStartProtocolVersion": "2.1.0", 
   "serverEndProtocolVersion": "2.1.0"
}    

error_outline
note

If the doBinLookup parameter is set to false, the binInfo object is not returned in the response.

Lookup Scenario 4: Account number does not support EMV 3DS 2.1 and is also not available in Elavon's bin database, an internal repository

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/lookup

{
   "messageId" : "0b0deb70-3249-4c73-9cf5-92f6cac231af",
   "acctNumber" : "4927261276919182790",
   "doBinLookup" : true,
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion" : "2.1.0"
}

Sample response

{
   "messageId" : "0b0deb70-3249-4c73-9cf5-92f6cac231af",
   "error" : {
      "messageType" : "Erro",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "57eaae4d-d05d-473b-b3be-28d45e37b8f8",
      "errorCode" : "305",
      "errorComponent" : "S",
      "errorDescription" : "Account number not supported",
      "errorDetail" : "Account number not supported by 3DS 2.1. Validate the account number: 49XXXXXXXXXXXXX2790"
      },
   "binInfo" : {
      "bin" : "492726",
      "scheme" : "Unknown",
      "brand" : "Unknown",
      "fundingSource" : "unknown",
      "isDebit" : "unknown",
      "isCorporate" : "unknown",
      "isDccAllowed" : "unknown"
    },
   "serverStartProtocolVersion": "2.1.0", 
   "serverEndProtocolVersion": "2.1.0"
}    

error_outline
note

If the doBinLookup parameter is set to false, the binInfo object is not returned in the response.

Authentication scenarios (/3ds2/authenticate)

Authentication Scenario 1: Challenge flow - Issuer requires a cardholder challenge to complete authentication i.e. transStatus = C

Device channel = 02

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_2",
  "aReq" : {
     "threeDSCompInd" : "Y",
     "addrMatch" : "N",
     "cardExpiryDate" : "1912",
     "acctNumber" : "4017730000000005",
     "billAddrCity" : "Athens",
     "billAddrCountry" : "840",
     "billAddrLine1" : "Bill Address Line 1",
     "billAddrLine2" : "Bill Address Line 2",
     "billAddrLine3" : "Bill Address Line 3",
     "billAddrPostCode" : "30603",
     "billAddrState" : "GA",
     "email" : "test@elavon.com",
     "notificationURL" : "https://uat.gw.fraud.eu.elavonaws.com",
     "homePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "mobilePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
      "workPhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "cardholderName" : "Cardholder Name",
     "shipAddrLine1" : "Address Line 1",
     "shipAddrLine2" : "Address Line 2",
     "shipAddrLine3" : "Address Line 3",
     "shipAddrCity" : "Atlanta",
     "shipAddrPostCode" : "30303",
     "shipAddrState" : "GA",
     "shipAddrCountry" : "840",
     "deviceChannel" : "02",
     "browserAcceptHeader" : "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
     "browserIP" : "192.168.1.11",
     "browserJavaEnabled" : true,
     "browserLanguage" : "en",
     "browserColorDepth" : "48",
     "browserScreenHeight" : "400",
     "browserScreenWidth" : "600",
     "browserTZ" : "-240",
     "browserUserAgent" : "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101 Firefox/47.0",
     "messageCategory" : "01",
     "purchaseAmount" : "5000",
     "purchaseCurrency" : "978",
     "purchaseExponent" : "2",
     "purchaseDate" : "20170316141312",
     "transType" : "01",
     "threeDSServerTransID" : "d46a84fb-c856-48b4-9790-3a97a472535a",
     "threeDSRequestorAuthenticationInd" : "01",
     "threeDSRequestorAuthenticationInfo" : {
        "threeDSReqAuthMethod" : "02",
        "threeDSReqAuthTimestamp" : "201711071307",
        "threeDSReqAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "threeDSRequestorChallengeInd" : "02",
     "threeDSRequestorPriorAuthenticationInfo" : {
        "threeDSReqPriorRef" : "d7c1ee99-9478-44a6-b1f2-391e29c6b340",
        "threeDSReqPriorAuthMethod" : "02",
        "threeDSReqPriorAuthTimestamp" : "201710282113",
        "threeDSReqPriorAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "acctType" : "03",
     "acctInfo" : {
        "chAccAgeInd" : "03",
        "chAccDate" : "20140328",
        "chAccChangeInd" : "04",
        "chAccChange" : "20160712",
        "chAccPwChangeInd" : "02",
        "chAccPwChange" : "20170328",
        "shipAddressUsageInd" : "04",
        "shipAddressUsage" : "20160714",
        "txnActivityDay" : "01",
        "txnActivityYear" : "21",
        "provisionAttemptsDay" : "0",
        "nbPurchaseAccount" : "11",
        "suspiciousAccActivity" : "01",
        "shipNameIndicator" : "02",
        "paymentAccInd" : "04",
        "paymentAccAge" : "20160917"
      },
     "acctID" : "personal account",
     "payTokenInd" : true,
     "purchaseInstalData" : "24",
     "merchantRiskIndicator" : {
        "shipIndicator" : "02",
        "deliveryTimeframe" : "01",
        "deliveryEmailAddress" : "deliver@email.com",
        "reorderItemsInd" : "01",
        "preOrderPurchaseInd" : "02",
        "preOrderDate" : "20170519",
        "giftCardAmount" : "337",
        "giftCardCurr" : "840",
        "giftCardCount" : "02"
      },
     "messageExtension" : [
     {
       "name" : "msgextname",
       "id" : "501341592B_0001_4567",
       "criticalityIndicator" : false,
       "data" : {
         "valueOne" : "messageextensiondata",
         "valueTwo" : "moremessageextensiondata"
        }
      }
   ],
     "recurringExpiry" : "20180131",
     "recurringFrequency" : "06",
     "broadInfo" : {
        "message" : "TLS 1.x will be turned off starting summer 2019"
      }
   },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_2",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "d46a84fb-c856-48b4-9790-3a97a472535a",
      "dsTransID" : "29cfed11-cbbc-4828-b7e4-9f2fc5ded313",
      "acsTransID" : "5088dad7-358b-43a9-816d-bdce3789ae36",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "C",
      "authenticationType" : "01",
      "acsChallengeMandated" : "Y",
      "acsURL" : "https://uat1.acs.fraud.eu.elavonaws.com/acs/challenge/VISA",
   },
   "creq" : "ewogICJtZXNzYWdlVHlwZSI6ICJDUmVxIiwKICAibWVzc2FnZVZlcnNpb24iOiAiMi4xLjAiLAogICJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ICJkNDZhODRmYi1jODU2LTQ4YjQtOTc5MC0zYTk3YTQ3MjUzNWEiLAogICJhY3NUcmFuc0lEIjogIjUwODhkYWQ3LTM1OGItNDNhOS04MTZkLWJkY2UzNzg5YWUzNiIsCiAgImNoYWxsZW5nZVdpbmRvd1NpemUiOiAiMDUiLAogICJzZGtUcmFuc0lEIjogIjhhODgwZGMwLWQyZDItNDA2Ny1iY2IxLWIwOGQxNjkwYjI2ZSIKfQ=="
}

Authentication Scenario 2: Friction less flow - cardholder authenticated i.e. transStatus = Y

Device channel = 02

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_2",
  "aReq" : {
     "threeDSCompInd" : "Y",
     "addrMatch" : "N",
     "cardExpiryDate" : "1912",
     "acctNumber" : "4000000000000101",
     "billAddrLine1" : "Bill Address Line 1",
     "billAddrLine2" : "Bill Address Line 2",
     "billAddrLine3" : "Bill Address Line 3",
     "billAddrCity" : "Atlanta",
     "billAddrPostCode" : "30303",
     "billAddrState" : "GA",
     "billAddrCountry" : "840",
     "email" : "test@elavon.com",
     "notificationURL" : "https://uat.gw.fraud.eu.elavonaws.com",
     "homePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "mobilePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
      "workPhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "cardholderName" : "Cardholder Name",    
     "shipAddrLine1" : "Address Line 1",
     "shipAddrLine2" : "Address Line 2",
     "shipAddrLine3" : "Address Line 3",
     "shipAddrCity" : "Athens",
     "shipAddrPostCode" : "30603",
     "shipAddrState" : "GA",
     "shipAddrCountry" : "840",
     "deviceChannel" : "02",
     "browserAcceptHeader" : "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
     "browserIP" : "192.168.1.11",
     "browserJavaEnabled" : true,
     "browserLanguage" : "en",
     "browserColorDepth" : "48",
     "browserScreenHeight" : "400",
     "browserScreenWidth" : "600",
     "browserTZ" : "-240",
     "browserUserAgent" : "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101 Firefox/47.0",
     "messageCategory" : "01",
     "purchaseAmount" : "5000",
     "purchaseCurrency" : "978",
     "purchaseExponent" : "2",
     "purchaseDate" : "20170316141312",
     "transType" : "01",
     "threeDSServerTransID" : "31d6241e-cda9-45c6-a632-4bc3a24dc759",
     "threeDSRequestorAuthenticationInd" : "01",
     "threeDSRequestorAuthenticationInfo" : {
        "threeDSReqAuthMethod" : "02",
        "threeDSReqAuthTimestamp" : "201711071307",
        "threeDSReqAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "threeDSRequestorChallengeInd" : "02",
     "threeDSRequestorPriorAuthenticationInfo" : {
        "threeDSReqPriorRef" : "d7c1ee99-9478-44a6-b1f2-391e29c6b340",
        "threeDSReqPriorAuthMethod" : "02",
        "threeDSReqPriorAuthTimestamp" : "201710282113",
        "threeDSReqPriorAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "acctType" : "03",
     "acctInfo" : {
        "chAccAgeInd" : "03",
        "chAccDate" : "20140328",
        "chAccChangeInd" : "04",
        "chAccChange" : "20160712",
        "chAccPwChangeInd" : "02",
        "chAccPwChange" : "20170328",
        "shipAddressUsageInd" : "04",
        "shipAddressUsage" : "20160714",
        "txnActivityDay" : "01",
        "txnActivityYear" : "21",
        "provisionAttemptsDay" : "0",
        "nbPurchaseAccount" : "11",
        "suspiciousAccActivity" : "01",
        "shipNameIndicator" : "02",
        "paymentAccInd" : "04",
        "paymentAccAge" : "20160917"
      },
     "acctID" : "personal account",
     "payTokenInd" : true,
     "purchaseInstalData" : "24",
     "merchantRiskIndicator" : {
        "shipIndicator" : "02",
        "deliveryTimeframe" : "01",
        "deliveryEmailAddress" : "deliver@email.com",
        "reorderItemsInd" : "01",
        "preOrderPurchaseInd" : "02",
        "preOrderDate" : "20170519",
        "giftCardAmount" : "337",
        "giftCardCurr" : "840",
        "giftCardCount" : "02"
      },
     "messageExtension" : [
      {
        "name" : "msgextname",
        "id" : "501341592B_0001_4567",
        "criticalityIndicator" : false,
        "data" : {
           "valueOne" : "messageextensiondata",
           "valueTwo" : "moremessageextensiondata"
         }
      }
   ],
     "recurringExpiry" : "20180131",
     "recurringFrequency" : "06",
     "broadInfo" : {
        "message" : "TLS 1.x will be turned off starting summer 2019"
      }
   },
   "clientStartProtocolVersion":"2.1.0",
   "clientEndProtocolVersion":"2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_2",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "31d6241e-cda9-45c6-a632-4bc3a24dc759",
      "dsTransID" : "ad1562a1-0ed4-4c54-8f7d-e84ddf0fa81d",
      "acsTransID" : "55e45af1-5502-4f7c-ab2a-8602e6b0acab",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "Y",
      "authenticationValue" : "IIVbTr028SCd-iJPDZRSaOZFiVg=",
      "eci" : "05"
   }
}

error_outline
note

If the messageCategory = 01 in the authentication request, the authentication response will include the eci and authenticationValue. If the messageCategory = 02 in the authentication request, then depending on the card scheme, the authentication response may include the eci and authenticationValue.

Device channel = 03

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_3",
  "aReq" : {
      "messageVersion" : "2.1.0",
      "deviceChannel" : "03",
      "messageCategory" : "02",
      "threeDSRequestorID" : "773",
      "threeDSRequestorName" : "EMVCo 3DS Test Requestor",
      "threeDSRequestorURL" : "http://ul.com/6deed7d5-e87e-4885-9f24-708938eefa95",
      "threeRIInd" : "04",
      "threeDSServerOperatorID" : "threeDSServerOperatorUL",
      "acctNumber" : "4000000000000101",
      "acctID" : "EMVCo 3DS Test Account 000000001",
      "acctType" : "02",
      "acctInfo" : {
         "chAccAgeInd" : "05",
         "chAccDate" : "20170101",
         "chAccChangeInd" : "04",
         "chAccChange" : "20170101",
         "chAccP wChangeInd" : "05",
         "chAccPwChange" : "20170101",
         "shipAddressUsageInd" : "04",
         "shipAddressUsage" : "20170101",
         "txnActivityDay" : "1",
         "txnActivityYear" : "1",
         "provisionAttemptsDay" : "0",
         "nbPurchaseAccount" : "1",
         "suspiciousAccActivity" : "01",
         "shipNameIndicator" : "01",
         "paymentAccInd" : "05",
         "paymentAccAge" : "20170101"
      },
      "merchantRiskIndicator" : {
         "shipIndicator" : "01",
         "deliveryTimeframe" : "02",
         "deliveryEmailAddress" : "example@example.com",
         "reorderItemsInd" : "01",
         "preOrderPurchaseInd" : "02",
         "preOrderDate" : "20300101",
         "giftCardAmount" : "1",
         "giftCardCurr" : "840",
         "giftCardCount" : "01"
      },
      "cardExpiryDate" : "2212",
      "cardholderName" : "Frictionless One",
      "homePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "workPhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "mobilePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "email" : "example@example.com",
      "billAddrLine1" : "Address Line 1",
      "billAddrLine2" : "Address Line 2",
      "billAddrLine3" : "Address Line 3",
      "billAddrCity" : "Atlanta",
      "billAddrState" : "GA",
      "billAddrPostCode" : "30303",
      "billAddrCountry" : "840",
      "shipAddrLine1" : "Address Line 1",
      "shipAddrLine2" : "Address Line 2",
      "shipAddrLine3" : "Address Line 3",
      "shipAddrCity" : "Athens",
      "shipAddrState" : "GA",
      "shipAddrPostCode" : "30603",
      "shipAddrCountry" : "840"
   },
   "clientStartProtocolVersion":"2.1.0",
   "clientEndProtocolVersion":"2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_3",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "dd5260d7-b8f2-426f-b2ac-e2dec3076945",
      "dsTransID" : "74ddd6b2-9693-4aed-9d7f-7e953b72e592",
      "acsTransID" : "25764d84-fdb7-487c-a5c3-947a75446900",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "Y",
      "authenticationValue" : "xewz7kMJo0RSjE9Q2KpmGPEO5ic=",
      "eci" : "05"
   }
}

Authentication Scenario 3: Cardholder doesn't get authenticated, but a proof of authentication attempt (an authenticationValue) was generated i.e. transStatus = A

Device channel = 02

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_2",
  "aReq" : {
     "threeDSCompInd" : "Y",
     "addrMatch" : "N",
     "cardExpiryDate" : "1912",
     "acctNumber" : "4000000000000119",   
     "billAddrLine1" : "Bill Address Line 1",
     "billAddrLine2" : "Bill Address Line 2",
     "billAddrLine3" : "Bill Address Line 3",
     "billAddrCity" : "Athens",
     "billAddrPostCode" : "30603",
     "billAddrState" : "GA",
     "billAddrCountry" : "840",
     "email" : "test@elavon.com",
     "notificationURL" : "https://uat.gw.fraud.eu.elavonaws.com",
     "homePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "mobilePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
      "workPhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "cardholderName" : "Cardholder Name", 
     "shipAddrLine1" : "Address Line 1",
     "shipAddrLine2" : "Address Line 2",
     "shipAddrLine3" : "Address Line 3",
     "shipAddrCity" : "Atlanta",
     "shipAddrPostCode" : "30303",
     "shipAddrState" : "GA",
     "shipAddrCountry" : "840",
     "deviceChannel" : "02",
     "browserAcceptHeader" : "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
     "browserIP" : "192.168.1.11",
     "browserJavaEnabled" : true,
     "browserLanguage" : "en",
     "browserColorDepth" : "48",
     "browserScreenHeight" : "400",
     "browserScreenWidth" : "600",
     "browserTZ" : "-240",
     "browserUserAgent" : "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101 Firefox/47.0",
     "messageCategory" : "01",
     "purchaseAmount" : "5000",
     "purchaseCurrency" : "978",
     "purchaseExponent" : "2",
     "purchaseDate" : "20170316141312",
     "transType" : "01",
     "threeDSServerTransID" : "c5e55968-3a22-4003-ba84-756734481f60",
     "threeDSRequestorAuthenticationInd" : "01",
     "threeDSRequestorAuthenticationInfo" : {
        "threeDSReqAuthMethod" : "02",
        "threeDSReqAuthTimestamp" : "201711071307",
        "threeDSReqAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "threeDSRequestorChallengeInd" : "02",
     "threeDSRequestorPriorAuthenticationInfo" : {
        "threeDSReqPriorRef" : "d7c1ee99-9478-44a6-b1f2-391e29c6b340",
        "threeDSReqPriorAuthMethod" : "02",
        "threeDSReqPriorAuthTimestamp" : "201710282113",
        "threeDSReqPriorAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "acctType" : "03",
     "acctInfo" : {
        "chAccAgeInd" : "03",
        "chAccDate" : "20140328",
        "chAccChangeInd" : "04",
        "chAccChange" : "20160712",
        "chAccPwChangeInd" : "02",
        "chAccPwChange" : "20170328",
        "shipAddressUsageInd" : "04",
        "shipAddressUsage" : "20160714",
        "txnActivityDay" : "01",
        "txnActivityYear" : "21",
        "provisionAttemptsDay" : "0",
        "nbPurchaseAccount" : "11",
        "suspiciousAccActivity" : "01",
        "shipNameIndicator" : "02",
        "paymentAccInd" : "04",
        "paymentAccAge" : "20160917"
      },
     "acctID" : "personal account",
     "payTokenInd" : true,
     "purchaseInstalData" : "24",
     "merchantRiskIndicator" : {
        "shipIndicator" : "02",
        "deliveryTimeframe" : "01",
        "deliveryEmailAddress" : "deliver@email.com",
        "reorderItemsInd" : "01",
        "preOrderPurchaseInd" : "02",
        "preOrderDate" : "20170519",
        "giftCardAmount" : "337",
        "giftCardCurr" : "840",
        "giftCardCount" : "02"
      },
     "messageExtension" : [
     {
        "name" : "msgextname",
        "id" : "501341592B_0001_4567",
        "criticalityIndicator" : false,
        "data" : {
           "valueOne" : "messageextensiondata",
           "valueTwo" : "moremessageextensiondata"
         }
      }
   ],
     "recurringExpiry" : "20180131",
     "recurringFrequency" : "06",
     "broadInfo" : {
        "message" : "TLS 1.x will be turned off starting summer 2019"
      }
   },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_2",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "c5e55968-3a22-4003-ba84-756734481f60",
      "dsTransID" : "d781469d-4b71-4eb8-af7d-3f514e25de8d",
      "acsTransID" : "078383c4-4a67-49d1-b752-5ebaf2e2610d",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "A",
      "authenticationValue" : "2wrr6cD6ZR0_p9lEYkdgl-TbTf4=",
      "eci" : "06"
   }
}

Device channel = 03

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_3",
  "aReq" : {
      "messageVersion" : "2.1.0",
      "deviceChannel" : "03",
      "messageCategory" : "02",
      "threeDSRequestorID" : "773",
      "threeDSRequestorName" : "EMVCo 3DS Test Requestor",
      "threeDSRequestorURL" : "http://ul.com/6deed7d5-e87e-4885-9f24-708938eefa95",
      "threeDSServerOperatorID" : "threeDSServerOperatorUL",
      "threeRIInd" : "04",
      "acctNumber" : "4000000000000119",
      "acctType" : "02",
      "acctID" : "EMVCo 3DS Test Account 000000001",
      "acctInfo" : {
         "chAccAgeInd" : "05",
         "chAccDate" : "20170101",
         "chAccChangeInd" : "04",
         "chAccChange" : "20170101",
         "chAccP wChangeInd" : "05",
         "chAccPwChange" : "20170101",
         "shipAddressUsageInd" : "04",
         "shipAddressUsage" : "20170101",
         "txnActivityDay" : "1",
         "txnActivityYear" : "1",
         "provisionAttemptsDay" : "0",
         "nbPurchaseAccount" : "1",
         "suspiciousAccActivity" : "01",
         "shipNameIndicator" : "01",
         "paymentAccInd" : "05",
         "paymentAccAge" : "20170101"
      },
      "merchantRiskIndicator" : {
         "shipIndicator" : "01",
         "deliveryTimeframe" : "02",
         "deliveryEmailAddress" : "example@example.com",
         "reorderItemsInd" : "01",
         "preOrderPurchaseInd" : "02",
         "preOrderDate" : "20300101",
         "giftCardAmount" : "1",
         "giftCardCurr" : "840",
         "giftCardCount" : "01"
      },
      "cardExpiryDate" : "2212",
      "cardholderName" : "Frictionless One",
      "homePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "workPhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "mobilePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "email" : "example@example.com",
      "billAddrLine1" : "Address Line 1",
      "billAddrLine2" : "Address Line 2",
      "billAddrLine3" : "Address Line 3",
      "billAddrCity" : "Athens",
      "billAddrState" : "GA",
      "billAddrPostCode" : "30603",
      "billAddrCountry" : "840",
      "shipAddrLine1" : "Address Line 1",
      "shipAddrLine2" : "Address Line 2",
      "shipAddrLine3" : "Address Line 3",
      "shipAddrCity" : "Atlanta",
      "shipAddrState" : "GA",
      "shipAddrPostCode" : "30303",
      "shipAddrCountry" : "840"
   },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_3",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "103f294a-0d6b-434c-8d38-0423158cd652",
      "dsTransID" : "fe3082cc-705d-456d-9b1e-f4f27c34dfe9",
      "acsTransID" : "640bc8ad-09a0-4a9b-a1ea-aefbabdf1653",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "A",
      "authenticationValue" : "C9miMJ9_cIwWezXODswzSlUCNZ8=",
      "eci" : "06"
   }
}

Authentication Scenario 4: Cardholder doesn't get authenticated i.e. transStatus = N

eci and authenticationValue will not be generated, but the response will include the transStatusReason to indicate the reason for authentication denial

Device channel = 02

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_2",
  "aReq" : {
     "threeDSCompInd" : "Y",
     "addrMatch" : "N",
     "cardExpiryDate" : "1912",
     "acctNumber" : "4000000000000127",   
     "billAddrLine1" : "Bill Address Line 1 ",
     "billAddrLine2" : "Bill Address Line 2",
     "billAddrLine3" : "Bill Address Line 3",
     "billAddrCity" : "Athens",
     "billAddrPostCode" : "30603",
     "billAddrState" : "GA",
     "billAddrCountry" : "840",
     "email" : "test@elavon.com",
     "notificationURL" : "https://uat.gw.fraud.eu.elavonaws.com",
     "homePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "mobilePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
      "workPhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "cardholderName" : "Cardholder Name",
     "shipAddrLine1" : "Address Line 1",
     "shipAddrLine2" : "Address Line 2",
     "shipAddrLine3" : "Address Line 3",
     "shipAddrCity" : "Atlanta",
     "shipAddrPostCode" : "30303",
     "shipAddrState" : "GA",
     "shipAddrCountry" : "840",
     "deviceChannel" : "02",
     "browserAcceptHeader" : "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
     "browserIP" : "192.168.1.11",
     "browserJavaEnabled" : true,
     "browserLanguage" : "en",
     "browserColorDepth" : "48",
     "browserScreenHeight" : "400",
     "browserScreenWidth" : "600",
     "browserTZ" : "-240",
     "browserUserAgent" : "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101 Firefox/47.0",
     "messageCategory" : "01",
     "purchaseAmount" : "5000",
     "purchaseCurrency" : "978",
     "purchaseExponent" : "2",
     "purchaseDate" : "20170316141312",
     "transType" : "01",
     "threeDSServerTransID" : "508de82f-ac7b-475f-b8ad-0c70e9bba775",
     "threeDSRequestorAuthenticationInd" : "01",
     "threeDSRequestorAuthenticationInfo" : {
        "threeDSReqAuthMethod" : "02",
        "threeDSReqAuthTimestamp" : "201711071307",
        "threeDSReqAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "threeDSRequestorChallengeInd" : "02",
     "threeDSRequestorPriorAuthenticationInfo" : {
        "threeDSReqPriorRef" : "d7c1ee99-9478-44a6-b1f2-391e29c6b340",
        "threeDSReqPriorAuthMethod" : "02",
        "threeDSReqPriorAuthTimestamp" : "201710282113",
        "threeDSReqPriorAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "acctType" : "03",
     "acctInfo" : {
        "chAccAgeInd" : "03",
        "chAccDate" : "20140328",
        "chAccChangeInd" : "04",
        "chAccChange" : "20160712",
        "chAccPwChangeInd" : "02",
        "chAccPwChange" : "20170328",
        "shipAddressUsageInd" : "04",
        "shipAddressUsage" : "20160714",
        "txnActivityDay" : "01",
        "txnActivityYear" : "21",
        "provisionAttemptsDay" : "0",
        "nbPurchaseAccount" : "11",
        "suspiciousAccActivity" : "01",
        "shipNameIndicator" : "02",
        "paymentAccInd" : "04",
        "paymentAccAge" : "20160917"
      },
     "acctID" : "personal account",
     "payTokenInd" : true,
     "purchaseInstalData" : "24",
     "merchantRiskIndicator" : {
        "shipIndicator" : "02",
        "deliveryTimeframe" : "01",
        "deliveryEmailAddress" : "deliver@email.com",
        "reorderItemsInd" : "01",
        "preOrderPurchaseInd" : "02",
        "preOrderDate" : "20170519",
        "giftCardAmount" : "337",
        "giftCardCurr" : "840",
        "giftCardCount" : "02"
      },
     "messageExtension" : [
     {
        "name" : "msgextname",
        "id" : "501341592B_0001_4567",
        "criticalityIndicator" : false,
        "data" : {
           "valueOne" : "messageextensiondata",
           "valueTwo" : "moremessageextensiondata"
         }
      }
   ],
      "recurringExpiry" : "20180131",
      "recurringFrequency" : "06",
      "broadInfo" : {
         "message" : "TLS 1.x will be turned off starting summer 2019"
      }
   },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_2",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "508de82f-ac7b-475f-b8ad-0c70e9bba775",
      "dsTransID" : "0f07e894-23ec-475e-8993-2cdd4b292c79",
      "acsTransID" : "215793d0-2dc7-4f84-8c79-ad47539f035f",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "N",
      "transStatusReason" : "11",
      "cardholderInfo" : "The purchase cannot be completed at this time. For additional information, please contact your card issuer at XXX-XXX-XXXX."
   }
}

Device channel = 03

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_3",
  "aReq" : {
      "messageVersion" : "2.1.0",
      "deviceChannel" : "03",
      "messageCategory" : "02",
      "threeDSRequestorID" : "773",
      "threeDSRequestorName" : "EMVCo 3DS Test Requestor",
      "threeDSRequestorURL" : "http://ul.com/6deed7d5-e87e-4885-9f24-708938eefa95",
      "threeDSServerOperatorID" : "threeDSServerOperatorUL",
      "threeRIInd" : "04",
      "acctNumber" : "4000000000000127",
      "acctType" : "02",
      "acctID" : "EMVCo 3DS Test Account 000000001",
      "acctInfo" : {
         "chAccAgeInd" : "05",
         "chAccDate" : "20170101",
         "chAccChangeInd" : "04",
         "chAccChange" : "20170101",
         "chAccP wChangeInd" : "05",
         "chAccPwChange" : "20170101",
         "shipAddressUsageInd" : "04",
         "shipAddressUsage" : "20170101",
         "txnActivityDay" : "1",
         "txnActivityYear" : "1",
         "provisionAttemptsDay" : "0",
         "nbPurchaseAccount" : "1",
         "suspiciousAccActivity" : "01",
         "shipNameIndicator" : "01",
         "paymentAccInd" : "05",
         "paymentAccAge" : "20170101"
      },
      "merchantRiskIndicator" : {
         "shipIndicator" : "01",
         "deliveryTimeframe" : "02",
         "deliveryEmailAddress" : "example@example.com",
         "reorderItemsInd" : "01",
         "preOrderPurchaseInd" : "02",
         "preOrderDate" : "20300101",
         "giftCardAmount" : "1",
         "giftCardCurr" : "840",
         "giftCardCount" : "01"
      },
      "cardExpiryDate" : "2212",
      "cardholderName" : "Frictionless One",
      "homePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "workPhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "mobilePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "email" : "example@example.com",
      "billAddrLine1" : "Address Line 1",
      "billAddrLine2" : "Address Line 2",
      "billAddrLine3" : "Address Line 3",
      "billAddrCity" : "Atlanta",
      "billAddrState" : "GA",
      "billAddrPostCode" : "30303",
      "billAddrCountry" : "840",
      "shipAddrLine1" : "Address Line 1",
      "shipAddrLine2" : "Address Line 2",
      "shipAddrLine3" : "Address Line 3",
      "shipAddrCity" : "Athens",
      "shipAddrState" : "GA",
      "shipAddrPostCode" : "30603",
      "shipAddrCountry" : "840"
    },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_3",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "bef87244-eb00-41c8-b5e7-86433a49c22a",
      "dsTransID" : "0b518136-1bca-417c-8f1f-c3061f9e4f8a",
      "acsTransID" : "93559a73-b3fe-46ba-825b-ae5dba1cea1b",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "N",
      "transStatusReason" : "01"
   }
}

Authentication Scenario 5: Cardholder doesn't get authenticated, as authentication could not be performed due to technical or other issue i.e. transStatus = U

eci and authenticationValue will not be generated, but the response will include the transStatusReason to indicate the reason for authentication denial

Device channel = 02

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_2",
  "aReq" : {
     "threeDSCompInd" : "Y",
     "addrMatch" : "N",
     "cardExpiryDate" : "1912",
     "acctNumber" : "4000000000000135",     
     "billAddrLine1" : "Bill Address Line 1",
     "billAddrLine2" : "Bill Address Line 2",
     "billAddrLine3" : "Bill Address Line 3",
     "billAddrCity" : "Atlanta",
     "billAddrPostCode" : "30303",
     "billAddrState" : "GA",
     "billAddrCountry" : "840",
     "email" : "test@elavon.com",
     "notificationURL" : "https://uat.gw.fraud.eu.elavonaws.com",
     "homePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "mobilePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
      "workPhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "cardholderName" : "Cardholder Name",
     "shipAddrLine1" : "Address Line 1",
     "shipAddrLine2" : "Address Line 2",
     "shipAddrLine3" : "Address Line 3",
     "shipAddrCity" : "Athens",
     "shipAddrPostCode" : "30603",
     "shipAddrState" : "GA",
     "shipAddrCountry" : "840",
     "deviceChannel" : "02",
     "browserAcceptHeader" : "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
     "browserIP" : "192.168.1.11",
     "browserJavaEnabled" : true,
     "browserLanguage" : "en",
     "browserColorDepth" : "48",
     "browserScreenHeight" : "400",
     "browserScreenWidth" : "600",
     "browserTZ" : "-240",
     "browserUserAgent" : "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101 Firefox/47.0",
     "messageCategory" : "01",
     "purchaseAmount" : "5000",
     "purchaseCurrency" : "978",
     "purchaseExponent" : "2",
     "purchaseDate" : "20170316141312",
     "transType" : "01",
     "threeDSServerTransID" : "2df8522f-fa1d-46a8-8207-0f60b0734c70",
     "threeDSRequestorAuthenticationInd" : "01",
     "threeDSRequestorAuthenticationInfo" : {
        "threeDSReqAuthMethod" : "02",
        "threeDSReqAuthTimestamp" : "201711071307",
        "threeDSReqAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "threeDSRequestorChallengeInd" : "02",
     "threeDSRequestorPriorAuthenticationInfo" : {
        "threeDSReqPriorRef" : "d7c1ee99-9478-44a6-b1f2-391e29c6b340",
        "threeDSReqPriorAuthMethod" : "02",
        "threeDSReqPriorAuthTimestamp" : "201710282113",
        "threeDSReqPriorAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "acctType" : "03",
     "acctInfo" : {
        "chAccAgeInd" : "03",
        "chAccDate" : "20140328",
        "chAccChangeInd" : "04",
        "chAccChange" : "20160712",
        "chAccPwChangeInd" : "02",
        "chAccPwChange" : "20170328",
        "shipAddressUsageInd" : "04",
        "shipAddressUsage" : "20160714",
        "txnActivityDay" : "01",
        "txnActivityYear" : "21",
        "provisionAttemptsDay" : "0",
        "nbPurchaseAccount" : "11",
        "suspiciousAccActivity" : "01",
        "shipNameIndicator" : "02",
        "paymentAccInd" : "04",
        "paymentAccAge" : "20160917"
      },
     "acctID" : "personal account",
     "payTokenInd" : true,
     "purchaseInstalData" : "24",
     "merchantRiskIndicator" : {
        "shipIndicator" : "02",
        "deliveryTimeframe" : "01",
        "deliveryEmailAddress" : "deliver@email.com",
        "reorderItemsInd" : "01",
        "preOrderPurchaseInd" : "02",
        "preOrderDate" : "20170519",
        "giftCardAmount" : "337",
        "giftCardCurr" : "840",
        "giftCardCount" : "02"
      },
     "messageExtension" : [
      {
        "name" : "msgextname",
        "id" : "501341592B_0001_4567",
        "criticalityIndicator" : false,
        "data" : {
           "valueOne" : "messageextensiondata",
           "valueTwo" : "moremessageextensiondata"
         }
      }
   ],
     "recurringExpiry" : "20180131",
     "recurringFrequency" : "06",
     "broadInfo" : {
        "message" : "TLS 1.x will be turned off starting summer 2019"
      }
   },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_2",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "2df8522f-fa1d-46a8-8207-0f60b0734c70",
      "dsTransID" : "1c7389a6-d1e9-4447-ab3b-903ce85e7d20",
      "acsTransID" : "0c909d9c-2002-4038-8a74-9bb28bb3caf1",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "U",
      "transStatusReason" : "08"
   }
}

Device channel = 03

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_3",
  "aReq" : {
      "messageVersion" : "2.1.0",
      "deviceChannel" : "03",
      "messageCategory" : "02",
      "threeDSRequestorID" : "773",
      "threeDSRequestorName" : "EMVCo 3DS Test Requestor",
      "threeDSRequestorURL" : "http://ul.com/6deed7d5-e87e-4885-9f24-708938eefa95",
      "threeDSServerOperatorID" : "threeDSServerOperatorUL",
      "threeRIInd" : "04",
      "acctNumber" : "4000000000000135",
      "acctID" : "EMVCo 3DS Test Account 000000001",
      "acctType" : "02",
      "acctInfo" : {
         "chAccAgeInd" : "05",
         "chAccDate" : "20170101",
         "chAccChangeInd" : "04",
         "chAccChange" : "20170101",
         "chAccP wChangeInd" : "05",
         "chAccPwChange" : "20170101",
         "shipAddressUsageInd" : "04",
         "shipAddressUsage" : "20170101",
         "txnActivityDay" : "1",
         "txnActivityYear" : "1",
         "provisionAttemptsDay" : "0",
         "nbPurchaseAccount" : "1",
         "suspiciousAccActivity" : "01",
         "shipNameIndicator" : "01",
         "paymentAccInd" : "05",
         "paymentAccAge" : "20170101"
      },
      "merchantRiskIndicator" : {
         "shipIndicator" : "01",
         "deliveryTimeframe" : "02",
         "deliveryEmailAddress" : "example@example.com",
         "reorderItemsInd" : "01",
         "preOrderPurchaseInd" : "02",
         "preOrderDate" : "20300101",
         "giftCardAmount" : "1",
         "giftCardCurr" : "840",
         "giftCardCount" : "01"
      },
      "cardExpiryDate" : "2212",
      "cardholderName" : "Frictionless One",
      "homePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "workPhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "mobilePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "email" : "example@example.com",
      "billAddrLine1" : "Address Line 1",
      "billAddrLine2" : "Address Line 2",
      "billAddrLine3" : "Address Line 3",
      "billAddrCity" : "Atlanta",
      "billAddrState" : "GA",
      "billAddrPostCode" : "30303",
      "billAddrCountry" : "840",
      "shipAddrLine1" : "Address Line 1",
      "shipAddrLine2" : "Address Line 2",
      "shipAddrLine3" : "Address Line 3",
      "shipAddrCity" : "Athens",
      "shipAddrState" : "GA",
      "shipAddrPostCode" : "30603",
      "shipAddrCountry" : "840"
   },
   "clientStartProtocolVersion":"2.1.0",
   "clientEndProtocolVersion":"2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_3",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "5fcc0f67-eb85-41e0-8f81-c8864f6cd5dd",
      "dsTransID" : "5166fc51-4f18-4972-8ff6-d206098ee6af",
      "acsTransID" : "30fae289-3ba2-4f26-b841-76c6ff81722b",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "U",
      "transStatusReason" : "08"
   }
}

Authentication Scenario 6: Cardholder doesn't get authenticated because the issuer is rejecting authentication and requesting that authorization not be attempted i.e. transStatus = R

eci and authenticationValue will not be generated, but the response will include the transStatusReason to indicate the reason for authentication denial

Device channel = 02

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_2",
  "aReq" : {
     "threeDSCompInd" : "Y",
     "addrMatch" : "N",
     "cardExpiryDate" : "1912",
     "acctNumber" : "4000000000000143",
     "billAddrLine1" : "Bill Address Line 1",
     "billAddrLine2" : "Bill Address Line 2",
     "billAddrLine3" : "Bill Address Line 3",
     "billAddrCity" : "Atlanta",
     "billAddrPostCode" : "30303",
     "billAddrState" : "GA",
     "billAddrCountry" : "840",
     "email" : "test@elavon.com",
     "notificationURL" : "https://uat.gw.fraud.eu.elavonaws.com",
     "homePhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "mobilePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
     "workPhone" : {
        "cc" : "123",
        "subscriber" : "123456789"
      },
     "cardholderName" : "Cardholder Name",
     "shipAddrLine1" : "Address Line 1",
     "shipAddrLine2" : "Address Line 2",
     "shipAddrLine3" : "Address Line 3",
     "shipAddrCity" : "Athens",
     "shipAddrPostCode" : "30603",
     "shipAddrState" : "GA",
     "shipAddrCountry" : "840",
     "deviceChannel" : "02",
     "browserAcceptHeader" : "text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8",
     "browserIP" : "192.168.1.11",
     "browserJavaEnabled" : true,
     "browserLanguage" : "en",
     "browserColorDepth" : "48",
     "browserScreenHeight" : "400",
     "browserScreenWidth" : "600",
     "browserTZ" : "-240",
     "browserUserAgent" : "Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47.0) Gecko/20100101 Firefox/47.0",
     "messageCategory" : "01",
     "purchaseAmount" : "5000",
     "purchaseCurrency" : "978",
     "purchaseExponent" : "2",
     "purchaseDate" : "20170316141312",
     "transType" : "01",
     "threeDSServerTransID" : "f7820db8-85ec-4c33-b010-b3e14dc4daec",
     "threeDSRequestorAuthenticationInd" : "01",
     "threeDSRequestorAuthenticationInfo" : {
        "threeDSReqAuthMethod" : "02",
        "threeDSReqAuthTimestamp" : "201711071307",
        "threeDSReqAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "threeDSRequestorChallengeInd" : "02",
     "threeDSRequestorPriorAuthenticationInfo" : {
        "threeDSReqPriorRef" : "d7c1ee99-9478-44a6-b1f2-391e29c6b340",
        "threeDSReqPriorAuthMethod" : "02",
        "threeDSReqPriorAuthTimestamp" : "201710282113",
        "threeDSReqPriorAuthData" : "cKTYtrvvKU7gUoiqbbO7Po"
      },
     "acctType" : "03",
     "acctInfo" : {
        "chAccAgeInd" : "03",
        "chAccDate" : "20140328",
        "chAccChangeInd" : "04",
        "chAccChange" : "20160712",
        "chAccPwChangeInd" : "02",
        "chAccPwChange" : "20170328",
        "shipAddressUsageInd" : "04",
        "shipAddressUsage" : "20160714",
        "txnActivityDay" : "01",
        "txnActivityYear" : "21",
        "provisionAttemptsDay" : "0",
        "nbPurchaseAccount" : "11",
        "suspiciousAccActivity" : "01",
        "shipNameIndicator" : "02",
        "paymentAccInd" : "04",
        "paymentAccAge" : "20160917"
      },
     "acctID" : "personal account",
     "payTokenInd" : true,
     "purchaseInstalData" : "24",
     "merchantRiskIndicator" : {
        "shipIndicator" : "02",
        "deliveryTimeframe" : "01",
        "deliveryEmailAddress" : "deliver@email.com",
        "reorderItemsInd" : "01",
        "preOrderPurchaseInd" : "02",
        "preOrderDate" : "20170519",
        "giftCardAmount" : "337",
        "giftCardCurr" : "840",
        "giftCardCount" : "02"
      },
     "messageExtension" : [
     {
        "name" : "msgextname",
        "id" : "501341592B_0001_4567",
        "criticalityIndicator" : false,
        "data" : {
           "valueOne" : "messageextensiondata",
           "valueTwo" : "moremessageextensiondata"
         }
      }
   ],
      "recurringExpiry" : "20180131",
      "recurringFrequency" : "06",
      "broadInfo" : {
         "message" : "TLS 1.x will be turned off starting summer 2019"
      }
   },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_2",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "f7820db8-85ec-4c33-b010-b3e14dc4daec",
      "dsTransID" : "468ba730-0ac2-4972-acaa-d76a3ec76bd1",
      "acsTransID" : "8c70bce5-a1bf-4575-840c-ab1e85f8ad1a",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "R",
      "transStatusReason" : "15"
   }
}

Device channel = 03

Sample request

POST https://uat.gw.fraud.eu.elavonaws.com/3ds2/authenticate

{
  "messageId" : "Device_Channel_3",
  "aReq" : {
      "messageVersion" : "2.1.0",
      "deviceChannel" : "03",
      "messageCategory" : "02",
      "threeDSRequestorID" : "773",
      "threeDSRequestorName" : "EMVCo 3DS Test Requestor",
      "threeDSServerOperatorID" : "threeDSServerOperatorUL",
      "threeDSRequestorURL" : "http://ul.com/6deed7d5-e87e-4885-9f24-708938eefa95",
      "threeRIInd" : "04",
      "acctNumber" : "4000000000000143",
      "acctID" : "EMVCo 3DS Test Account 000000001",
      "acctType" : "02",
      "cardExpiryDate" : "2212",
      "cardholderName" : "Frictionless One",
      "acctInfo" : {
         "chAccAgeInd" : "05",
         "chAccDate" : "20170101",
         "chAccChangeInd" : "04",
         "chAccChange" : "20170101",
         "chAccP wChangeInd" : "05",
         "chAccPwChange" : "20170101",
         "shipAddressUsageInd" : "04",
         "shipAddressUsage" : "20170101",
         "txnActivityDay" : "1",
         "txnActivityYear" : "1",
         "provisionAttemptsDay" : "0",
         "nbPurchaseAccount" : "1",
         "suspiciousAccActivity" : "01",
         "shipNameIndicator" : "01",
         "paymentAccInd" : "05",
         "paymentAccAge" : "20170101"
      },
      "merchantRiskIndicator" : {
         "shipIndicator" : "01",
         "deliveryTimeframe" : "02",
         "deliveryEmailAddress" : "example@example.com",
         "reorderItemsInd" : "01",
         "preOrderPurchaseInd" : "02",
         "preOrderDate" : "20300101",
         "giftCardAmount" : "1",
         "giftCardCurr" : "840",
         "giftCardCount" : "01"
      },
      "homePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "workPhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "mobilePhone" : {
         "cc" : "123",
         "subscriber" : "123456789"
      },
      "email" : "example@example.com",
      "billAddrLine1" : "Address Line 1",
      "billAddrLine2" : "Address Line 2",
      "billAddrLine3" : "Address Line 3",
      "billAddrCity" : "Atlanta",
      "billAddrState" : "GA",
      "billAddrPostCode" : "30303",
      "billAddrCountry" : "840",
      "shipAddrLine1" : "Address Line 1",
      "shipAddrLine2" : "Address Line 2",
      "shipAddrLine3" : "Address Line 3",
      "shipAddrCity" : "Athens",
      "shipAddrState" : "GA",
      "shipAddrPostCode" : "30603",
      "shipAddrCountry" : "840"
    },
   "clientStartProtocolVersion": "2.1.0",
   "clientEndProtocolVersion": "2.1.0"
}

Sample response

{
   "messageId" : "Device_Channel_3",
   "aRes" : {
      "messageType" : "ARes",
      "messageVersion" : "2.1.0",
      "threeDSServerTransID" : "e1212037-33a4-4ae9-a5e5-1278addaf65d",
      "dsTransID" : "473b8b40-bc8c-44be-8017-82a441148708",
      "acsTransID" : "54b4fa2d-6da9-44cc-b47a-6390275290d2",
      "acsReferenceNumber" : "ELAVON_ACS_EMULATOR_REF_NUMBER32",
      "acsOperatorID" : "ELAVON_ACS_EMULATOR_OPERATOR_ID1",
      "dsReferenceNumber" : "ELAVON_3DS_DS_EMULATOR_REF_NUM32",
      "transStatus" : "R",
      "transStatusReason" : "15"
   }
}

Related topics