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Testing with card holder name

It is important that you ensure a complete integration into Adyen by testing result codes.

If you're not able to submit additionalData for testing, you can use the card holderName field instead.

Use the card holder name to test:

Test payment result

Make a /payments request, providing the appropriate holderName from the list of Adyen response codes.

This example shows how to get a REFUSED payment by providing DECLINED in the holderName.

Test Refused payment
  "amount": {
    "currency": "USD",
    "value": 1000
  "reference": "Your order number",
  "paymentMethod": {
    "type": "scheme",
    "number": "4111111111111111",
    "expiryMonth": "10",
    "expiryYear": "2020",
    "holderName": "DECLINED",
    "cvc": "737"
  "returnUrl": "",
  "merchantAccount": "YOUR_MERCHANT_ACCOUNT"
Refused response
 "pspReference": "89783918347627F",
 "refusalReason": "Refused",
 "resultCode": "Refused",
 "refusalReasonCode": "2",

Customize scheme response and raw refusal reason

You can optionally set both the actual scheme response code and provide your own raw refusal reason. The raw refusal reason is the direct response provided from Visa or MC.

Make a /payments request, and when providing card information, pass the holderName with the following data:

For this value, use the format:

[Adyen Response code] : [Scheme Response code and Refusal reason raw String]

You may need to lower the risk score value to take into account non-alphabetic characters in the cardholder name like a colon (":"). This and other non-alphabetical characters trigger the risk check, which may cause the payment to be declined with a FRAUD reason code.


The following example shows how you test a "Declined" payment result due to an "Error", using the holderName:

  • The holderName field value cannot be longer than 80 characters max.

  • If you specify an incorrect CVC or an invalid expiry date, the payment fails and the operation returns a generic DECLINED refusal reason.

Test chargeback reason codes

You can simulate a chargeback using the card holderName. Refer to test disputes for more information.