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Testing Your Integration

Learn how to test your integration to confirm failures get triggered correctly.

Testing Transactions

Before taking your integration live, use the information below to test it thoroughly on the DUMMY_V1 processor.

Testing ACH Returns

Use the following bank details to trigger the respective ACH Return Code.

For more information about the different ACH Return Codes, see ACH Direct Debit.

ACH Return CodeFailure CodeFailure MessageBank Details
R01: Insufficient FundsINSUFFICIENT_FUNDSThe account has insufficient funds for the transaction. The account holder needs to use a new form of payment.Bank Code: 122105278

Account Number: 123120006
R02: Account is ClosedBANK_ACCOUNT_CLOSEDThe bank account has been closed. The bank account owner should use an active bank account.Bank Code: 122105278

Account Number: 123120007
R03: No account on fileNO_BANK_ACCOUNT_FOUNDThe account number structure is valid; however, the number does not correspond to the account holder or it's not an open account. The account holder should create a new bank account with the correct details.Bank Code: 122105278

Account Number: 123120008
R04: Invalid Account NumberINVALID_BANK_ACCOUNT_NUMBERThe account number structure is valid; however, the number does not correspond to the account holder or it's not an open account. The account holder should create a new bank account with the correct details.Bank Code: 122105278

Account Number: 123120009
  • The Merchant#ready_to_settle_upon must be PROCESSOR_WINDOW or RECONCILIATION. Currently, SUCCESSFUL_CAPTURE is not supported.
  • The failure_code and failure_message is populated on the original Transfer resource.
  • The tags of the new return Transfer that's created includes the ACH Return Code and failure_message associated with the return.

Testing Account Updater

Account Update TypeBrandInitial card numberInitial expiration (M/Y)New numberNew expiration (M/Y)
CLOSED_CARDVisa44020873895796011/2030--
CONTACT_CARDHOLDERVisa43499906317040161/2030--
EXPIRATION_UPDATEDVisa42088626737405491/203043077306068243851/2040
FRAUD_REPORTEDAmerican Express3404528015634551/2030--
INACTIVE_MERCHANTAmerican Express34034701758124881/2030--
NO_TRANSACTIONAL_ACTIVITYAmerican Express30195429851884441/2030--
NOT_FOUNDVisa45432677879822641/2030--
NUMBER_AND_EXPIRATION_UPDATEDVisa44967728828557671/203048870056017469193/2040
NUMBER_AND_EXPIRATION_UPDATEDMastercard51035040029192601/2030521307667687540611/2040
NUMBER_AND_EXPIRATION_UPDATEDAmerican Express38834946432449741/2030396996793300677008/2040
NUMBER_AND_EXPIRATION_UPDATEDDiscover65888495390882001/2030601117450016074912/2040
NUMBER_AND_EXPIRATION_UPDATEDVisa44967728828557671/203048870056017469193/2040
NUMBER_UPDATEDVisa40361612926375011/203046497772157461004/2040

Testing AVS/CVV

Pass the following amount to trigger the respective payment failure. Note, once a Payment Instrument has been flagged with an AVS or CVC failure, it will continue to throw that respective error.

AmountDescription
102Declined amount
103Canceled amount
888888Disputed amount
193Insufficient funds amount
194Invalid card number amount
889986AVS total failure amount
889987CVC failure amount

Testing Bank Account Validations

Bank Account Validation CheckBank CodeAccount Number
VALID1221052780000000016
INVALID1221052780000000005
INCONCLUSIVE121000358123123128

Testing Card Type

Use the following card numbers to trigger the respective card_type. For more information about the different card_types, see Payment Instrument.

Card TypeCard NumberBrand
CREDIT6011000000004675Discover
DEBIT5200820000007201Mastercard
HSA_FSA4393420000002680Visa
NON_RELOADABLE_PREPAID5223100000008423Mastercard
RELOADABLE_PREPAID379032000006086American Express
UNKNOWN386214000009097Discover

Testing Failure Codes

For more information about the different ACH Return Codes, see ACH Direct Debit. Please note, it can take up to 15 minutes for the ACH Return to generate.

To review failure_codes on Transfers, get the individual Transfer using the Transfer ID.

Failure Code Card NumberBrand
GENERIC_DECLINE4000000000009979Visa
GENERIC_DECLINE378282246310005American Express
GENERIC_DECLINE5555555555554444Mastercard
GENERIC_DECLINE6011111111111117Discover
CALL_ISSUER4012888888881881Visa
CARD_NOT_ACTIVATED_OR_BLOCKED4539148803436467Visa
DO_NOT_HONOR4000000000000002Visa
EXCEEDS_APPROVAL_LIMIT4000000000009995Visa
EXPIRED_CARD4000000000009987Visa
FRAUD_DETECTED_BY_FINIX4129054449449482Visa
FRAUD_DETECTED_BY_ISSUER4783512839773883Visa
INSUFFICIENT_FUNDS4000000000000069Visa
INVALID_CARD_NUMBER_OR_EXPIRED_CARD4544206329536898Visa
INVALID_CVV4000056655665556Visa
ISSUER_POLICY_VIOLATION4709247730212712Visa
LOST_OR_STOLEN_CARD4000000000000127Visa
PICK_UP_CARD4000000000000119Visa
RESTRICTED_CARD4242424242424242Visa

Testing Network Tokens

Utilize the following card numbers to set a specific value for network_token_state. By default, any valid card number enabled for network tokens will return an ACTIVE state.

network_token_stateCard Number
CLOSED4181126552690790
FAILED4281168227567010
SUSPENDED4220706972789265

Testing Refunds

Use the following card number to test refunds. For more information about processing refunds, see Refunding Payments.

StateCard NumberBrand
FAILED4000000000000135Visa

Testing Push-to-Card

Cards for testing a Push-to-Card payout.

ScenarioCard numberBrandRegionCountryCode
Successful push to a Visa (debit card)4895142232120006VisaCAUSAN/A
Successful push to a Visa (credit card)4957030420210454VisaCAUSAN/A
Successful push to a Mastercard (debit card)5123280115058611MastercardCAUSAN/A
Invalid account number4957030420210504VisaCAUSAINVALID_INSTRUMENT
Exceeds approval amount limit4957030420210488VisaCAUSAEXCEEDS_ISSUER_AMOUNT_LIMIT
Exceeds withdrawal frequency limit4957030420210496VisaCAUSAEXCEEDS_ISSUER_COUNT_LIMIT
Refer to card issuer4895070000007685VisaCAUSACALL_ISSUER
Do not honor4895070000006687VisaCAUSADECLINE
Lost card, pick up (fraud account)4895070000005671VisaCAUSALOST_OR_STOLEN_CARD
Suspected fraud4895070000004674VisaCAUSASUSPECTED_FRAUD
Transaction does not fulfill AML requirement4895070000003551VisaCAUSACOMPLIANCE_VIOLATION

Testing Push-to-Card Verifications

ScenarioCard numberBrandfast_funds_indicatorpush_funds_block_indicatorcard_type_codecard_issuer_country_code
Issuer does participate in fast funds for only domestic transactions4815070000000018VisaDCD840
Issuer does participate in fast funds for all transactions4835070000000014VisaBCD840
Issuer does not participate in fast funds4855070000000035VisaNCD840
Issuer does participate in fast funds and Push-to-Card4895047700003297VisaBBC840