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3D Secure Test Card V7: What It Means and How to Test 3DS

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3D Secure Test Card V7: What It Means and How to Test 3DS

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3D Secure Test Card V7: What It Means and How to Test 3DS

Short answer

There is no 3D Secure protocol version 7. EMVCo numbers the EMV 3-D Secure specification in the 2.x line: 2.1.0, 2.2.0, 2.3.1. The older 3-D Secure 1.0.2 was retired by the card networks. A "v7" label comes from a vendor test table, an internal suite revision, or a spreadsheet column, not from EMVCo.

Buy the Best 3D Secure Test Card V10

What a 3DS test card does

A 3DS test card is a sandbox primary account number. It exists in a processor test environment. The number maps to one scripted authentication result. Common outcomes:

3D Secure Test Card V9

  • Frictionless authentication, no challenge shown
  • Challenge required, one-time code accepted
  • Challenge required, code rejected
  • Authentication unavailable, issuer not enrolled
  • Directory Server timeout

Processors publish these numbers in their own docs. Stripe, Adyen, Checkout.com and Braintree each keep a separate table. The numbers fail in live mode. Live card data cannot be used in test mode.

3D Secure Test Card v8: What It Is and How to Use It Safely

How to test a 3DS flow

  1. Set API keys to test mode.
  2. Use a test PAN the processor marks as authentication required.
  3. Submit the payment and complete the challenge in the test iframe.
  4. Read the authentication result in the response, for example three_d_secure.status.
  5. Repeat with a card that returns a failed authentication.
  6. Confirm the order state after each result: captured, refused, or pending.

If you see "v7" in a card list

Ask the vendor what the version applies to. Three common meanings: the seventh revision of the vendor test set, a 3DS Server build number, or a column index in a table. None of these is an EMVCo protocol version.

3D Secure Test Card V6

US notes

Strong Customer Authentication comes from PSD2 and applies in the EEA and the UK. US merchants are not bound by it. 3DS use in the US is voluntary and tied to liability shift and fraud rates. Test cards behave the same across regions.

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