Testing cards:

    For 3D Secure:
    Visa success              4811 1111 1111 1114
    Visa deny by bank         4711 1111 1111 1115
    Visa deny by FDS          4611 1111 1111 1116

    MasterCard success        5211 1111 1111 1117
    MasterCard deny by bank   5111 1111 1111 1118
    MasterCard deny by FDS    5411 1111 1111 1115

    Challenge by FDS          4511 1111 1111 1117