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Testing

Test in-person payments in your host-to-host solution.

We provide a basic testing system to simulate transaction scenarios and functionalities. You can use this system to ensure your test integration is working as expected, before you switch to an integration that can make live transactions.

You need to:

  • Familiarize yourself with the limitations of the test environment
  • Test the happy flow.
  • Simulate various acquirer responses to test your handling of declined authorizations.

Requirements

The global scheme simulators in the test environment are mocked and not the same as the simulators in the certification run. When you run through pre-certification in the test environment be aware that:

  • The pass criteria on the host side cannot be checked in the test environment, but is checked in the official certification run.

Simulating declined authorizations

In general, test payments in our testing system generate an approved authorization. To simulate declined authorizations, you need to change the last three digits of the amount.value that you specify in the authorization request.

For example, to test how your integration responds when the issuer suspects fraud, specify an amount with 151 as the last three digits, such as 10151 or 2151.

The following table shows:

  • The last three digits of the amount to specify for simulating a specific response.
  • The resultCode, refusalReasonCode, refusalReason, and raw Authorisation Response Code (ARC) from the authorization response. The ARC is sent in the emvData.tag8a field for a chip card transaction, or in the authorisationResponseCode for all transactions.
Amount ending in resultCode refusalReasonCode refusalReason ARC
121 Refused 15 Cancelled 05
122 Refused 14 Acquirer Fraud 05
123 Refused 2 Refused 05
124 Refused 12 Not enough balance 05
125 Refused 5 Blocked Card 05
126 Refused 6 Expired Card 05
127 Refused 7 Invalid Amount 05
128 Refused 8 Invalid Card Number 14
129 Refused 10 Not supported 14
130 Error 4 Acquirer Error 51
131 Refused 2 Refused 08
132 Refused 2 Refused 10
133 Refused 3 Referral 01
134 Refused 17 Invalid Pin 55
135 Refused 18 Pin tries exceeded 75
136 Refused 9 Issuer Unavailable 91
137 Refused 28 Withdrawal amount exceeded 61
138 Refused 29 Withdrawal count exceeded 65
139 Refused 12 Not enough balance 05
144 Refused 21 Not Submitted 21
145 Cancelled 22 FRAUD_CANCELLED 22
146 Refused 23 Transaction Not Permitted 23
147 Refused 24 CVC Declined 24
148 Refused 25 Restricted Card 25
149 Refused 26 Revocation Of Auth 26
150 Refused 27 Declined Non Generic 27
151 Refused 31 Issuer Suspected Fraud 31
152 Refused 34 No checking account available on Card 52
153 Refused 35 No savings account available on Card 53
156 Refused 33 Card requires online pin 70
157 Refused 38 Authentication required 1A
158 Refused 40 Current AID is in Penalty Box. BCA
159 Refused 43 Online PIN required 13
160 Refused 44 Try another interface 12
161 Refused 45 Chip downgrade mode 05

See also