Test cards & error responses
Testing protocol
The following list of test credit card numbers may be used either within your Test Account or if your device is in Test Mode.
The use of live credit card information in a test environment is strongly discouraged, utilizing our test cards is strongly preferred.
Sandbox testing
While the sandbox test platform does its best to simulate what you will see in production, there may be subtle differences on a live account.
Test cards
These are our preferred test cards and designated responses that you should see when processing within your test environment.
| Card Number | Expiration | CVV2 Code | AVS Response | CVV2 Response |
|---|---|---|---|---|
| 4000100011112224 | 0925 | any | YYY | M |
| 4000100111112223 | 0925 | any | YYX | M |
| 4000100211112222 | 0925 | any | NYZ | M |
| 4000100311112221 | 0925 | any | NYW | M |
| 4000100411112220 | 0925 | any | YNA | M |
| 4000100511112229 | 0925 | any | NNN | M |
| 4000100611112228 | 0925 | any | XXW | M |
| 4000100711112227 | 0925 | any | XXU | M |
| 4000100811112226 | 0925 | any | XXR | M |
| 4000100911112225 | 0925 | any | XXS | M |
| 4000101011112222 | 0925 | any | XXE | M |
| 4000101111112221 | 0925 | any | XXG | M |
| 4000101211112220 | 0925 | any | YYG | M |
| 4000101311112229 | 0925 | any | GGG | M |
| 4000101411112228 | 0925 | any | YGG | M |
| 4000101511112227 | 0925 | any | NN | M |
| 4000101611112226 | 0925 | any | N/A | M |
Test ACH information
The following list of test check information is made available for testing check processing functionality on our Sandbox system.
The account data should not be used in production.
| Routing | Account | Amount | Response | Reason |
|---|---|---|---|---|
| 987654321 | Any | Any | Error | Invalid routing Number |
| Any | Any | 5.99 | Decline | Returned check for this account |
| Any | Any | 9999.99 | ManagerApproval | Warning: You have exceeded your allocated monthly transaction volume |
Any other combination of 9 digit routing number and account number will return an approval
All approved transactions will be moved to “submitted” at 5pm PST and on the following day at 8am PST will move to “settled”. The following account numbers will trigger returns at 8am on the 3rd day.
| Routing | Account | Amount | Response | Reason |
|---|---|---|---|---|
| Any | 10178101 | Any | Returned | R01: Insufficient Funds |
| Any | 10178102 | Any | Returned | R02: Account Closed |
| Any | 10178103 | Any | Returned | R03: No Account/Unable to Locate Account |
| Any | 10178104 | Any | Returned | R04: Invalid Account Number |
| Any | 10178106 | Any | Returned | R06: Returned per Originating Depository Financial Institution’s Request |
| Any | 10178107 | Any | Returned | R07: Authorization Revoked by Customer |
| Any | 10178108 | Any | Returned | R08: Payment Stopped |
| Any | 10178110 | Any | Returned | R10: Customer Advises not Authorized |
| Any | 10178116 | Any | Returned | R16: Account Frozen |
| Card Number | Expiration | Authorized amount |
|---|---|---|
| 4000000011112275 | 0925 | 50% of amount processed |
| 4000000011112283 | 0925 | 75% of amount processed |
The following list of responses are from processing transactions on test credit card numbers either on the Test Account or in Test Mode.
Error responses
Please review our list of designated error responses that you should receive within the specified scenarios. Before completing your testing, please confirm that your integration successfully returns the same error responses that we have documented below.
CVV2 responses
| Card Number | Expiration | CVV2 Code | AVS Response | CVV2 Response |
|---|---|---|---|---|
| 4000200011112222 | 0925 | any | YYY | M |
| 4000200111112221 | 0925 | any | YYY | N |
| 4000200211112220 | 0925 | any | YYY | P |
| 4000200311112229 | 0925 | any | YYY | S |
| 4000200411112228 | 0925 | any | YYY | U |
| 4000200511112227 | 0925 | any | YYY | X |
| 5555444433332226 | 0925 | any | YYY | M |
| 5555444433332234 | 0925 | any | YYY | N |
| 5555444433332242 | 0925 | any | YYY | P |
| 5555444433332259 | 0925 | any | YYY | S |
| 5555444433332267 | 0925 | any | YYY | U |
| 5555444433332275 | 0925 | any | YYY | X |
| 371122223332225 | 0925 | any | YYY | M |
| 371122223332233 | 0920 | any | YYY | n/a |
| 371122223332241 | 0925 | any | CVV2 No Match (Decline) | – |
| 6011222233332224 | 0925 | any | YYY | M |
| 6011222233332232 | 0925 | any | YYY | N |
| 6011222233332240 | 0925 | any | YYY | P |
| 6011222233332257 | 0925 | any | YYY | S |
| 6011222233332265 | 0925 | any | YYY | U |
| 6011222233332273 | 0925 | any | YYY | X |
CVV2 Response Code Definitions
The following is a list of result codes for the CVV2/CVC2/CID verification system and what each one indicates. These codes are returned in the UMcvv2ResultCode variable and provide developers with greater control over the CVV2 system.
Many developers choose to capture and display the UMcvv2Result variable instead. The UMcvv2Result variable contains the meaning of the code rather than the code itself.
| Code | Meaning |
|---|---|
| M | Match |
| N | No Match |
| P | Not Processed |
| S | Should be on card but not so indicated |
| U | Issuer Not Certified |
| X | No response from association |
| (blank) | No CVV2/CVC data available for transaction |
Decline responses
| Card Number | Expiration | CVV2 Code | Decline Code | Message |
|---|---|---|---|---|
| 4000300011112220 | 0925 | any | 10127 | Declined |
| 4000300001112222 | 0925 | any | 10204 | Pickup Card |
| 4000300211112228 | 0925 | any | 10205 | Do Not Honor |
| 4000300311112227 | 0925 | any | 10212 | Invalid Transaction |
| 4000300411112226 | 0925 | any | 10215 | Invalid Issuer |
| 4000300511112225 | 0925 | any | 10225 | Unable to locate Record |
| 4000300611112224 | 0925 | any | 10251 | Insufficient funds |
| 4000300711112223 | 0925 | any | 10255 | Invalid pin |
| 4000300811112222 | 0925 | any | 10257 | Transaction Not Permitted |
| 4000300911112221 | 0925 | any | 10262 | Restricted Card |
| 4000301011112228 | 0925 | any | 10265 | Excess withdrawal count |
| 4000301111112227 | 0925 | any | 10275 | Allowable number of pin tries exceeded |
| 4000301211112226 | 0925 | any | 10278 | No checking account |
| 4000301311112225 | 0925 | any | 10297 | Declined for CVV failure |
Referral response
| Card Number | Expiration Date | CVV2 Code | AVS Response | CVV2 Response |
|---|---|---|---|---|
| 4000300111112229 | 0925 | any | - | - |
AVS Result codes
The following is a list of result codes for the Address Verification System (AVS) and what each one indicates. These codes are returned in the UMavsResultCode variable and serve to provide developers with greater control over the AVS system. Many developers may choose to capture and display the UMavsResult variable instead.
The UMavsResult variable contains the meaning of the code, rather than the code itself. Most merchants will receive the codes listed in the code column but depending on the platform they are using, they may receive codes listed in the Alternates column.
| AVS Code | Alternate | Description |
|---|---|---|
| YYY | Y, YYA, YYD | Address: Match & 5 Digit Zip: Match |
| NYZ | Z | Address: No Match & 5 Digit Zip: Match |
| YNA | A, YNY | Address: Match & 5 Digit Zip: No Match |
| NNN | N, NN | Address: No Match & 5 Digit Zip: No Match |
| YYX | X | Address: Match & 9 Digit Zip: Match |
| NYW | W | Address: No Match & 9 Digit Zip: Match |
| XXW | – | Card Number Not On File |
| XXU | – | Address Information not verified for domestic transaction |
| XXR | R, U, E | Retry/System Unavailable |
| XXS | S | Service Not Supported |
| XXE | – | Address Verification Not Allowed For Card Type |
| XXG | G, C, I | Global Non-AVS participant |
| YYG | B, M | International Address: Match & Zip: Not Compatible |
| GGG | D | International Address: Match & Zip: Match |
| YGG | P | International Address: No Compatible & Zip: Match |
CAVV Response Code Definitions
| Code | Meaning |
|---|---|
| 0 | Failed validation – authentication |
| 1 | Failed validation – authentication |
| 2 | Passed validation – authentication |
| 3 | Passed validation – attempt (Authentication was attempted) |
| 4 | Passed validation – attempt (Authentication was attempted) |
| 5 | Reserved – not used |
| 6 | Not validated, issuer not participating |
| 7 | Failed validation – attempt (Authentication attempt was performed) |
| 8 | Passed validation – attempt (Authentication attempt was performed) |
| 9 | Failed validation – attempt (Visa generated, issuer’s ACS was not available) |
| A | Passed validation – attempt (Visa generated, issuer’s ACS was not available) |
| B | Passed validation – information only, no liability shift. (Card or transaction type not eligible for the 3-D Secure service.) |
| C | Not validated – attempt (Issuer did not return a CAVV results code in the authorization response) |
| D | Not validated – authentication (Issuer did not return a CAVV results code in the authorization response) |