3D Secure test scenarios

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Last updated: Mar 10th, 12:16pm

In the PayPal sandbox, you can use test cards to simulate various payment scenarios and generate a 3D Secure response.

Note: The test cards on this page only work for Purchase flows. Don’t use the cards on this page to test Save payment methods.

Important: Use the expiration date 01/2026 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" } }`

3D Secure test scenarios

Next Steps

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