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Simplifying 3D Secure testing for issuers and online retailers.
Your Comprehensive Testing Environment for Realistic 3D Secure Authentication. Unlike many test tools that rely on simulators, TestLabs sets itself apart by offering live and fully developed 3D Secure components: ActiveServer (a 3DS2 3DS Server), ActiveAccess (an Access Control Server), and a Directory Server. This unique approach ensures that you obtain more accurate test results, along with the flexibility to define custom test cases. Whether you're implementing an existing 3D Secure solution or building your own, TestLabs provides the ideal platform for seamless component testing and product integration testing, empowering you to achieve a reliable and secure 3D Secure implementation.
Boost sales, build customer trust, and protect your business by minimising risk and offering a secure and effortless shopping experience.
Delivering smooth cross-industry and cross-border coverage with seamless interoperability, enabling global reach and efficient business connectivity.
Prevent fraud and chargebacks through advanced authentication and real-time fraud detection techniques ensuring secure customer transactions.
Ensure a seamless payment experience for your customers, scale up your operations, save time & resources, and stay competitive in the market by integrating with our RESTful API.
Easily adjust your plan with our simplified pricing structure, featuring no hidden fees and a flexible upgrade and downgrade policy.
Stay ahead of the competition by scaling and expanding seamlessly with international and domestic card scheme support.
Experience unrivalled sales and support assistance thanks to a single point of contact for all enquiries and proactive resolution of your queries.
Ensure uninterrupted operations with our reliable fraud prevention solution, featuring close to zero downtime and no disruptions during scheduled maintenance.
Ensure the optimal functionality of your fraud prevention system. Regularly run test cases to verify proper operation of authentication scenarios, especially after configuration changes or product upgrades, to ensure smooth and uninterrupted operation.
Harness the power to generate authentic scenarios that simulate real transactions, covering cardholder authentication and authorisation, to guarantee flawless functionality of your 3DS implementation.
Facilitate seamless integration with an existing 3D Secure solution in the market, simplifying the process of testing your implementation and ensuring compliance with the latest global standards.
Elevate your testing capabilities with TestLabs from GPayments. Access fully developed and live 3D Secure components, instead of relying on simulators. Experience the realism and reliability of testing in a genuine environment. Customise test scenarios to align with your specific business needs.
ActiveServer implements a 3DS2 enrolment check API to enable backwards compatibility with your 3DS1 systems. ActiveServer caches the BIN ranges of cards that are enrolled in 3D Secure 2. Before each authentication, the API call can be made to determine whether the given card supports 3D Secure 2. If not, you may fall back to an existing 3D Secure 1 MPI implementation. This API ensures compatibility with any 3D Secure 1 MPI on the market, and is crucial for merchants to obtain liability shift on 3D Secure 1 before liability shift for 3D Secure 2 is activated, or to adhere to regional mandates.
TestLabs includes a wide range of pre-defined test cases for 3DS to enable testing for your 3DS Server (3DSS). You can test many permutations of card schemes, authentication channels and test scenarios. All major testing scenarios are covered, however customisation of merchant/acquirer data is also possible.
3DS Server testing is initiated by the merchant or gateway using their test systems or merchant site. The TestLabs’ ACS and DS are setup with the test card numbers for various scenarios and acquirer and merchant details. GPayments software comes pre-configured with TestLabs connectivity information, however it is also possible to connect software from other vendors as well. There are many ways TestLabs can support your testing needs:"
There are many ways TestLabs can support your testing needs:
Once a 3DS solution has been installed and configured, TestLabs can be used to verify that the application has the correct connectivity and configuration setup. This process will verify the necessary 3DS configurations of the application as well as the implementer's network settings, which is required for connectivity to other components of the 3DS ecosystem.
After successful implementation and testing of 3DS components but prior to production rollout, the card schemes require implementers to undertake compliance testing; for example, Visa requires testing on its VSTS environment. As TestLabs includes all the necessary components of 3DS, it can be utilised for compliance testing of any 3DS components, before card scheme testing is conducted.
By first using TestLabs to ensure correct integration, implementers can significantly reduce the time and cost required for card scheme testing. Fees apply for testing with some card schemes, and if the testing is not completed successfully within a certain time period, testing has to be rescheduled and re-test fees can be incurred.
Implementers may wish to test the responses received by their 3DS components during 3DS transactions, using different scenarios. This is especially useful for testing corner cases such as timeouts and other error scenarios.
TestLabs provides the ability to test 3DS components using test cards for different card schemes and scenarios, as shown in the table to the right.
3DSS/MPI implementers can utilise TestLabs to perform ongoing functional testing, to ensure the stability and integrity of their 3DS components, or for testing updated specifications and requirements, received from the card schemes.
TestLabs can also be used to allow new merchant clients, of a payment gateway, to test during their initial setup and onboarding process.
With the large amount of possible card configurations in an ACS, TestLabs can help issuing banks to test whether those cards are correctly configured, and produce the intended results, under each scenario. Additionally, TestLabs can be used, similarly, to test card scenarios when upgrading to a newer version ACS.
For ACS testing, TestLabs 3DS Server and Directory Server are configured with the card range of the test cards, acquirer and merchant details, and the URL of the tester’s ACS. The test cards for the various scenarios are set up on the tester’s ACS.
The tester uses the test cards to make purchases through any of the three device channels (browser-based, 3RI, or app-based) on a fully-featured 3DS Requestor. The PAN received by the tester’s ACS, in the message sent from GPayments DS, is used to determine the required interactions and make a corresponding response.
There are many ways TestLabs can support your testing needs:
Once a 3DS solution has been installed and configured, TestLabs can be used to verify that the application has the correct connectivity and configuration setup. This process will verify the necessary 3DS configurations of the application as well as the implementer's network settings, which is required for connectivity to other components of the 3DS ecosystem.
Prior to production rollout, after successful implementation and testing of 3DS components, the card schemes require implementers to undertake compliance testing; for example, Visa requires testing on its VSTS environment. As TestLabs includes all the necessary components of 3DS, it can be utilised for compliance testing of any 3DS components, including the ACS, before card scheme testing is conducted.
By first using TestLabs to ensure correct integration, implementers can significantly reduce the time and cost required for card scheme testing. Fees apply for testing with some card schemes, and if the testing is not completed successfully within a certain time period, testing has to be rescheduled and re-test fees can be incurred.
ACS implementers may wish to test the responses received by their ACS during 3DS transactions, for different scenarios.
TestLabs provides the ability to test the ACS by performing transactions with test cards that have been setup for different scenarios and for different card schemes.
ACS implementers can utilise TestLabs to perform ongoing functional/performance testing to ensure the stability and integrity of their 3DS components.
Testing for:
Please feel free to reach out to us if you have any enquiries. Our team is readily available to assist you and will provide prompt responses to your questions.
As a sister company of GPayments, MemberCheck is dedicated to delivering cutting-edge services that empower your business to proactively manage risk and comply with regulatory requirements. Imagine blending MemberCheck with GPayments' solutions; a powerhouse duo engineered to strengthen your fraud prevention and risk management strategies. As GPayments' solutions help you combat chargebacks, false declines, and maintain compliance with regulations like SCA and PSD2, MemberCheck strides alongside to keep you aligned with AML/CTF regulations while safeguarding your reputation.
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