The following test cards simulate example authentication scenarios in Sandbox. We recommend running these scenarios before going live to ensure your integration is successful and accurate.

If you do not have your Sandbox credentials, login to guide.nmi.com to access your Sandbox API Keys and your Sandbox Partner and Merchant Portals.

"Not Enrolled" Frictionless Flow

These cards will return Enrolled: "N" and trigger a frictionless flow where the card is not enrolled in 3DS:

• Visa: 4111111111111111
• Mastercard: 5431111111111111
• Amex: 341111111111111
• Discover: 6799990100000000019

Expected Result:

• cardholder_auth = 'attempted'
• CAVV = empty
• ECIFlag = "07" (Not enrolled)

"Frictionless Authentication" Flow

These cards will return Enrolled: "Y" with a CAVV present, simulating silent authentication:

• Visa: 4100000000000100
• Mastercard: 5100000000000107
• Amex: 340000000000108
• Discover: 6440000000000104

Expected Result:

• cardholder_auth = 'verified'
• CAVV = mock value (e.g., "mock_cavv_0002_1234567890")
• ECIFlag = "05" (Authenticated)

Challenge Flow Test Cards

These cards will trigger a 3DS challenge flow requiring user interaction:

• Visa: 4100000000005000
• Mastercard: 5100000000005007
• Amex: 340000000005008
• Discover: 6440000000005004

Expected Result:

• Enrolled: "Y"
• PAResStatus: "C" (Challenge required)
• ECIFlag: "02" (Challenge required)
• User will be presented with a mock challenge interface. Use the following actions to trigger each result: