Payer Authentication — Testing Guide
Test Scenarios
| Scenario | Test Card | Expected Outcome |
|---|---|---|
| Frictionless approval | 4111111111111111 | Authentication passes silently, ECI=05 |
| Challenge flow | 4012888888881881 | Customer shown challenge, completes successfully |
| Authentication failed | Amount 0.03 | 3DS failure — do not process transaction |
| Issuer not enrolled | 5431111111111111 | Proceed without 3DS, ECI=06 |
Testing Checklist
- Frictionless flow completes and transaction processes
- Challenge flow presents correctly to customer
- Failed authentication blocks transaction processing
- Non-enrolled card proceeds as standard transaction
- ECI values correctly passed to gateway API