Secure 3D Testing matrix

PayU Secure 3D Simulator

Use the following card numbers on the following 2 stores to test your integration to PayU without financial implications

Stores Configured in PayU: (StoreID, SafeKey, Store Name: Description)

  • 200165, {5490C144-B9A5-4675-BE73-21E1446A7FF0}, 3D Sim Store FAuth On Force On: Full 3D Secure transactions only (Issuer at risk and non-enrolled cards NOT allowed.)
    • Soap Username: 200165
    • Soap Password: yCYw5XRm
  • 100032, {CE62CE80-0EFD-4035-87C1-8824C5C46E7F}, 3D Sim Store FAuth Off Force On: All 3D Secure transactions (Process only transactions where issuer is at risk. Both enrolled and non-enrolled cards will be processed per PASA guide.) 
    • Soap Username: 100032
    • Soap Password: PypWWegU

Test scenarios:

The following cards are configured to allow testing of 8 likely encountered scenarios. Use any expiry date in the future and CVV 123

VISA - Simulator Matrix for basic 3DS Scenarios

Card TypePANCard Enrolled
OTP Success
ECIDescriptionFully Authenticated = ONFully Authenticated = OFF
VISA 3DS test scenarios for 2 different 3DS authentication mode settingsPostilion ResponsePostilion Response
VISA4000015372250142YESYES05Cardholder Authentication Success + Bank response success00Transaction Successful00Approved
VISA4000019562093601YESNO Cardholder Authentication FailureN/ATransaction FailedN/ATransaction Failed
VISA4000019542438801NON/A06Issuer/Cardholder not participatingN/ATransaction Failed00Transaction Successful
VISA4000029520272445YESYES05Cardholder Authentication Success + Bank response failure05Transaction Failed05Transaction Failed

MasterCard - Simulator Matrix for basic 3DS Scenarios

Card TypePANCard Enrolled
OTP Success
ECIDescription3D Secure Fully Authenticated
3D Secure On: Default
MasterCard 3DS test scenarios for 2 different 3DS authentication mode settingsTransaction ResponseTransaction Response
MasterCard5100018609086541YESYES02Cardholder Authentication Success00Transaction Successful00Transaction Successful
MasterCard5100013960913581YESNO Cardholder Authentication FailureN/ATransaction FailedN/ATransaction Failed
MasterCard5100011063555010NON/A01Issuer/Cardholder not participatingN/ATransaction Failed00Transaction Successful
MasterCard5100022615342534YESYES02Cardholder Authentication Success + Bank response failure05Transaction Failed05Transaction Failed