API / Capability Area	APIs to Include	Why Full Testing Is Limited
Digital Wallet Provisioning / In-App Provisioning	Apple In-App Push Provisioning Google In-App Push Provisioning Apple In-App Push Provisioning Verification Google In-App Push Provisioning Verification	These flows depend on wallet provider configuration, token requestor data, token service provider readiness, and BIN/program setup. In-app provisioning flow requires the mobile app/server to pass encrypted provisioning data to Apple or Google wallet flows.
Card Tokenization	Get Card Payment Tokens Get Card Payment Token Devices Unbind Payment Token Update Payment Token Status Update Payment Token Status Idempotent	These APIs depend on tokenized cards/payment tokens already existing. Without active wallet tokenization events, full lifecycle testing is limited. Therefore, these endpoints also depend on Digital Wallet configuration.
3D Secure Enrollment	Create 3DS Credentials List 3DS Credentials Update 3DS Credentials Update 3DS Credential – Idempotent Delete 3DS Credentials Get 3DS Configuration Details	Full validation depends on 3DS provider setup, authentication method configuration, card/program readiness, and supported UAT scenarios. Provider is currently setting up configuration needed.
Click to Pay	Enroll Data Get Payment Instrument Information Enroll Payment Instruments Manage Payment Instrument Manage Consumer Information Delete Consumer Information Delete Payment Instrument Retrieve Consumer and Payment Instruments Information	These APIs depend on network/payment credential configuration and supported program setup.
Fraud Alerts & Fraud Event Handling	Record Fraud Login Event Submit Fraud Alert Response	Full validation depends on fraud monitoring configuration, fraud rules being enabled, alert/event generation, webhook/event subscription setup, and test scenarios that can trigger fraud-related events. Provider is currently setting up configuration needed.