3D Secure Guide

3D Secure Guide

When 3D secure is activated on a channel and a card enrolled, the payment workflow changes from synchronous to asynchronous (see Asynchronous Workflow for more information). This means that if you have enabled 3D secure, you must include the shopperResultUrl in your synchronous requests.

NOTE: For PIPE 3D secure is automatically integrated so it is not necessary to implement anything additional to handle 3D secure

Liability Shift

Transactions that have gone through 3D secure often benefit from a chargeback liability shift (for certain types of chargeback). However, the rules vary from region to region and card scheme.

For detailed rules and regulations regarding the liability shift, please contact your acquirer. However, the following table shows an example of the liability shift eligibility for the different regions worldwide.

Authentication Result Authentication Type Card Scheme Is the transaction usually eligible for liability shift?
Location where the card was issued and where merchant resides
Global Intra-EU Intra-US Intra-Asia Pac South Asia, Middle East & Africa South America Inter Europe, AP, SA, ME & Africa
Cardholder Authenticated Fully Authenticated Visa Yes No No No No No No
MasterCard Yes No No No No No No
Amex Yes No No No No No No
Cardholder Not enrolled or Issuer not participating Attempted Authentication Visa Yes No No No No No No
MasterCard No Yes No Yes Yes No Yes
Amex Yes No No No No No No

Result codes

Description Result code
Fully authenticated 000.300.000
Attempted authentication 000.300.000
Card not enrolled 000.400.101
Cardholder not enrolled 000.400.102
Technical error in MPI 000.400.103
Invalid 3D configuration 000.400.104
Invalid PARes 000.400.106

3D Secure test cards

Brand Card Number Description ECI
Visa 4711100000000000 gives Successful 3D Authentication, return code 000.300.000 05
Visa 4200000000000000 gives Card Not Participating, return code 000.400.101 07
Visa 4012001037484447 gives Technical Error in 3D System (first synchronous step) return code 000.400.103 07
Visa 4441795841431616 gives Technical Error in 3D System (second asynchronous step) return code 000.400.103 07
Visa 4267146605677385 gives Invalid payer authentication response, return code 000.400.106 06
Visa 4929626518276854 gives Attempt Processing, return code 000.300.000 06
Visa 4681868784735514 gives User Not Enrolled, return code 000.400.102 06
Visa 4716319370304553 gives Risk Management timeout, return code 100.380.501 07
Visa 4024007173381889 gives PARes Validation failed - problem with signature, return code 100.390.103 07
MasterCard 5567269875679677 gives Invalid payer authentication response, return code 000.400.106 01
MasterCard 5405531070110469 gives should give Risk Management timeout, return code 100.380.501 07
MasterCard 5388670213787816 gives Card Not Participating, return code 000.400.101 07
MasterCard 5386024192625914 gives should give Technical Error in 3D System (first synchronous step) return code 000.400.103 / 100.390.105 / 100.390.112 07
MasterCard 5285601704480326 gives Successful 3D Authentication, return code 000.300.000 02
MasterCard 5245018215178191 gives should give User Not Enrolled, return code 000.400.102 01
MasterCard 5215203694927708 gives should give Technical Error in 3D System (second asynchronous step) return code 000.400.103 / 100.390.105 07
MasterCard 5172837709537381 gives Attempt Processing, return code 000.300.000 01
Amex 341111597242513 gives Successful 3D Authentication, return code 000.300.000 05
Amex 341111599241000 gives Attempt Processing, return code 000.300.000 06
Amex 373000000391002 gives Invalid payer authentication response, return code 000.400.106 06
Amex 373953192354008 gives Technical Error in 3D System (first synchronous step) return code 000.400.103 / 100.390.105 / 100.390.112 07
Amex 374245455400001 gives Card Not Participating, return code 000.400.101 07
Amex 374500261001009 gives Technical Error in 3D System (second asynchronous step) return code 000.400.103 / 100.390.105 07
Amex 375705004001005 gives Risk Management timeout, return code 100.380.501 07