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These card numbers can be used when testing your integration to the payment gateway. These cards will not work for live transactions. The card security code (CVV) to use with the test cards is 123 (except for American Express, which should be 1234) for an authorised response, other codes will be declined. Cards which show ‘Yes’ in the 3DS column will use a simulated 3D Secure authentication page, allowing you to test the transaction flow when Verified by Visa or MasterCard SecureCode is used.

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Test Card Details

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Simulating Hosted Payment Page Decline/Error Responses

When in test mode, and when using the above test cards, you can simulate any of the transaction response codes by using specific values for the card security code (CVV). By taking the response code you want to simulate, pad that code with a leading ‘0’ in order to make it a 3-digit code and use that for the CVV. For example, to simulate the Insufficient Funds response (status ‘D’, code ‘41’) use 041 as the CVV. You can also simulate an on-hold transaction in the same way. On hold is where the transaction has been authorised, but the anti-fraud system has flagged the transaction for inspection. Whilst the transaction is on-hold, no funds will be debited from the customers’ card. You would need to use the Merchant Administration System to either accept or reject the transaction. To simulate the on-hold response within the test system, use a CVV value of ‘999’ with one of the above test cards.