Cross-gateway, protocol-level reference for 3-D Secure (3DS 2.x) test coverage. Covers the EMVCo frictionless / challenge / not-applicable flow paths, SCA under EU PSD2, and the per-PAN test cards for Stripe, Adyen, and Braintree. The gateway-specific wrappers (adyen-test-mode / stripe-test-cards-and-webhooks / braintree-test-cards) compose this skill for single-gateway work, so use one of those for a single-gateway query. Use this skill when designing multi-gateway 3DS test coverage, auditing a 3DS redirect round-trip, or investigating a challenge-flow regression that is not gateway-specific.
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Per-PAN test cards that drive 3DS challenge, frictionless, and bypass flows in
each gateway's test mode. Cross-referenced from 3ds-test-flow-reference. For
single-gateway work, prefer the gateway wrapper skills (stripe-test-cards-and-webhooks,
adyen-test-mode, braintree-test-cards).
Per docs.stripe.com/testing#regulatory-cards:
| Card | Behaviour |
|---|---|
| 4000 0027 6000 3184 | Authentication required (challenge) |
| 4000 0025 0000 3155 | Authentication required (challenge), payment failure after success |
| 4000 0000 0000 3220 | Authentication required (challenge), payment success |
| 4000 0000 0000 3055 | 3DS supported but not required (frictionless) |
| 4242 4242 4242 4242 | Standard test card (no 3DS) |
Per docs.adyen.com/development-resources/test-cards-and-credentials/test-card-numbers:
| Card | Behaviour |
|---|---|
| 4917 6100 0000 0000 | 3DS 2 challenge flow |
| 5454 5454 5454 5454 | 3DS 2 frictionless |
| 4012 8888 8888 1881 | 3DS 1 (deprecated; for migration testing) |
Per developer.paypal.com/braintree/docs/guides/3d-secure/testing/node:
| Card | Behaviour |
|---|---|
| 4000 0000 0000 1091 | Authenticate via standard flow |
| 4000 0000 0000 1109 | Frictionless |
| 4000 0000 0000 1125 | Bypass (skipped) |