EMV 3-D Secure / 3-D Secure 2.x

Since the "3-D Secure" option must first be configured for your payment method, please contact our  beforehand.

While your MID is in TEST-mode:

  • For testing 3-D Secure authentication please use the card numbers and OTPs listed below to get any expected authentication result (combinations like challenge/frictionless, successful/failed, ...)
  • After authentication the authorization takes place. Here please use "OrderDesc=Test:<nnnn>" (e.g. "OrderDesc=Test:0000" or "OrderDesc=Test:0305") to get any expected authorization result

Once your MID is in PROD-mode:

  • Testing of 3-D Secure authentication is not possible any more because your configuration is working with live 3-D Secure servers.
  • However, "OrderDesc=Test:<nnnn>" is still possible to simulate authorization.


Nicht 3-D Secure 2.x

Immediately after setup - no acquirer data is available yet

A test connector fo credit cards will be configured automatically to simulate payment processes within .

Expiration date is any in the future (e.g. 10/30). Card verification number (CVC) is any 3-digit number (e.g. 123).

Marke / SchemeKartennummer / Card numberAntwort / ResponseBeschreibung / Description
VISA41111111111111110000success
VISA40128888888818810100declined
VISA42000000000000000305declined
MasterCard55555555555544440000success
MasterCard51051051051051000100declined
MasterCard52000000000000070305declined
AMEX3750000000000070000success
AMEX3714496353984310100declined
AMEX3782822463100050305declined


Acquirer data are available - still in test mode

Real communication with your acquirer's system is already taking place - however, bookings are not yet activated and no money is transferred.

Testing is done with real cards and the available card limit is already reduced. You can release this by canceling (reverse) or wait until it is automatically released by the bank after approx. 7-14 days.

Captures and refunds are not possible - no money is transferred.


Simulation - always possible

The simulation mode is initiated by the "OrderDesc" parameter with the value "Test: <nnnn>", which also defines the result of the payment process.

The simulation mode is always available - but also requires card numbers that pass the so-called LUHN test. There is a short table below for this; You can also use real credit cards.

Marke / SchemeKartennummer / Card numberWert / Value OrderDescAntwort / ResponseBeschreibung / Description
VISA4111111111111111Test:<nnnn><nnnn>Siehe / see: A4 Error codes
MasterCard5555555555554444Test:<nnnn><nnnn>Siehe / see: A4 Error codes
AMEX375000000000007Test:<nnnn><nnnn>Siehe / see: A4 Error codes