Reference
Test Credentials Hub
All the test PANs, IBANs, sandbox keys, and 3DS scenarios you need in one place — organised by scheme, processor, and use-case.
3DS Test Scenarios
3-D Secure test scenarios cover the full range of authentication outcomes — frictionless, challenge, fallback, and error paths. Use these cards in your 3DS-enabled sandbox integration.
3DS test card behaviour varies by processor and 3DS provider. Always refer to your specific processor's 3DS testing guide for accurate scenarios.
| Scenario | Test card PAN | Expected flow | Outcome | |
|---|---|---|---|---|
| Frictionless success | 4000000000003055 | No challenge | Auth: Y, ECI: 05 | |
| Frictionless decline | 4000000000003238 | No challenge | Auth: N, ECI: 07 | |
| Challenge — OTP | 4000002500003155 | SMS OTP challenge | Auth: Y after OTP | |
| Challenge — biometric | 4000003800003338 | Biometric prompt | Auth: Y | |
| 3DS1 fallback | 4000000000000101 | 3DS 1.0 redirect | Auth: Y | |
| Timeout / error | 4000000000003063 | Challenge timeout | Auth: U, ECI: 07 | |
| Attempts | 4000000000003071 | Frictionless | Auth: A, ECI: 06 | |
| Out of scope | 4111111111111111 | No 3DS triggered | ECI: 07 |
Auth status codes
YAuthentication successful
NAuthentication failed
UUnable to authenticate (e.g. timeout)
AAttempts — proof of attempt only
ECI values
05Full authentication (3DS2 / Visa)06Attempts (3DS1 / 3DS2)07Not authenticated / out of scope