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:

Result	Description	Action
Pass	Receive a successful step-up authentication response	Enter code 12345
Fail	Receive a failed step-up authentication response	Enter any code other than 12345
Cancel	Close challenge to receive an incomplete step-up authentication response	Select Cancel