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
Card not participating/authentication unavailable 000.400.101
Fully authenticated 000.300.000
PARes Validation failed 100.390.102
PARes Validation failed - problem with signature 100.390.103
Request successfully processed 000.100.110
Risk management transaction timeout 100.380.501
Technical Error in 3D Secure system 100.390.112
User Authentication Failed 100.380.401
User not enrolled 000.400.102
Attempted authentication 000.300.000
Card not enrolled 000.400.101
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 Return Code Description Return Code ECI flag
Visa 4711100000000000 Fully authenticated 000.300.000 05
Visa 4200000000000000 User Authentication Failed 100.380.401 07
Visa 4012001037484440 Technical Error in 3D Secure system 100.390.112 07
Visa 4441795841431610 Technical Error in 3D Secure system 100.390.112 07
Visa 4267146605677380 Request successfully processed 000.100.110 06
Visa 4929626518276850 Request successfully processed 000.100.110 06
Visa 4681868784735510 User not enrolled 000.400.102 06
Visa 4716319370304550 Risk management transaction timeout 100.380.501 07
Visa 4024007173381880 PARes Validation failed - problem with signature 100.390.103 07
MasterCard 5285601704480320 Request successfully processed 000.100.110 02
MasterCard 5388670213787810 Card not participating/authentication unavailable 000.400.101 07
MasterCard 5567269875679670 Request successfully processed 000.100.110 01
MasterCard 5172837709537380 Request successfully processed 000.100.110 01
MasterCard 5245018215178190 User not enrolled 000.400.102 01
MasterCard 5386024192625910 Technical Error in 3D Secure system 100.390.112 07
MasterCard 5215203694927700 Technical Error in 3D Secure system 100.390.112 07
MasterCard 5405531070110460 Risk management transaction timeout 100.380.501 07
American Express 341111597242513 Request successfully processed 000.100.110 05
American Express 341111599241000 Request successfully processed 000.100.110 06
American Express 374245455400001 Card not participating/authentication unavailable 000.400.101 07
American Express 373953192354008 Technical Error in 3D Secure system 100.390.112 07
American Express 374500261001009 Technical Error in 3D Secure system 100.390.112 07
American Express 375705004001005 Risk management transaction timeout 100.380.501 07
American Express 373000000391002 PARes Validation failed 100.390.102 06
Discover 6011000100000003 Request successfully processed 000.100.110 05
Diners 36000100123056 Card not participating/authentication unavailable 000.400.101 07
Diners 36000100123064 Technical Error in 3D Secure system 100.390.112 00
Diners 36000200000014 PARes Validation failed 100.390.102 00