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3D-Secure

All cards here will succeed all operations after performing 3DS with the exception of cards failing 3DS verification.

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Visa

Card numberExpiryCVCType of test data
After the current monthAnySkip 3DS challenge
After the current monthAny3DS method call and challenge
After the current monthAny3DS returns proof of attempt (ECI 6)
After the current monthAny3DS verification fails

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Mastercard

Card numberExpiryCVCType of test data
After the current monthAnySkip 3DS challenge
After the current monthAny3DS method call and challenge
After the current monthAny3DS returns proof of attempt (ECI 1)
After the current monthAny3DS verification fails

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Declined payments

Card numberExpiryCVCType of test dataError code
After the current monthAny3DS authentication required1A
After the current monthAnyAuthorization timed outError
After the current monthAnyCapture timed outError
After the current monthAnyRefund timed outError
After the current monthAnyAuto-capture transaction timed outError
After the current monthAnyCancelling transaction timed outError
After the current monthAnyProvisioning token timed outError
After the current monthAnyAuthorization timed outError
After the current monthAnyCapture timed outError
After the current monthAnyRefund timed outError
After the current monthAnyAuto-capture transaction timed outError
After the current monthAnyCancelling transaction timed outError
After the current monthAnyProvisioning token timed outError

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Simulate response codes

A specific response from Visa or Mastercard can be simulated in test mode by setting the transaction amount to 995XX in major units, where XX is the two-digit response code. Minor units are currently ignored. For example, an amount of 99501.00 will result in a response code of 01, see the table below.
AmountResponse code
01
01
19
If the resulting response code indicates success for the given card brand, the transaction will succeed, otherwise it will fail. For failed transactions a list of error codes and a retry policy will be returned. The error codes will generally only contain one entry, but if a new error code is introduced you might receive both the old and new codes. The retry policy will contain an array of retry codes in the same manner as the error codes. If the retry policy indicates that you should retry after a delay, we will also include an ISO 8601 timestamp after which you can retry the operation.

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Visa amounts

AmountError codeRetry policyReason
N/AN/AApproved and completed successfully
ISSUER_ERRORRETRY_AFTER_DELAYRefer to issuer
ISSUER_ERRORRETRY_AFTER_DELAYRefer to issuer
INVALID_MERCHANTRETRY_AFTER_DELAYInvalid merchant
PICK_UP_CARDDO_NOT_RETRYPick up card (no fraud suspected)
DECLINEDRETRY_AFTER_DELAYDo not honor
ERRORRETRY_AFTER_DELAYError
PICK_UP_CARDDO_NOT_RETRYPick up card (fraud account)
N/AN/APartial approval
N/AN/AApproved VIP
INVALID_TRANSACTIONDO_NOT_RETRYInvalid transaction
INVALID_AMOUNTRETRY_AFTER_DELAYInvalid amount or currency conversion field overflow
ISSUER_ERRORDO_NOT_RETRYNo such issuer
DECLINEDRETRY_AFTER_DELAYRe-enter transaction
DECLINEDRETRY_AFTER_DELAYNo action taken
ERRORRETRY_AFTER_DELAYUnable to locate record in file
ISSUER_ERRORRETRY_AFTER_DELAYFile temporarily not available for update or inquiry
DECLINEDRETRY_AFTER_DELAYNo credit account
PICK_UP_CARDDO_NOT_RETRYLost card
PICK_UP_CARDDO_NOT_RETRYStolen card
CLOSED_ACCOUNTDO_NOT_RETRYDeactivated token
INSUFFICIENT_FUNDSRETRY_AFTER_DELAYInsufficient funds
DECLINEDRETRY_AFTER_DELAYNo checking account
EXPIRED_CARDRETRY_AFTER_DELAYExpired card or expiration date is missing
FAILED_VERIFICATIONRETRY_AFTER_DELAYFailed verification
TRANSACTION_NOT_PERMITTEDDO_NOT_RETRYTransaction not permitted to cardholder
DECLINEDRETRY_AFTER_DELAYSuspected fraud
EXCEEDS_APPROVAL_LIMITRETRY_AFTER_DELAYExceeds approval amount limit
RESTRICTED_CARDRETRY_AFTER_DELAYRestricted card (card invalid in this region or country)
ERRORRETRY_AFTER_DELAYSecurity violation
DECLINEDRETRY_AFTER_DELAYTransaction does not fulfill anti-money laundering requirement
EXCEEDS_WITHDRAWAL_FREQUENCY_LIMITRETRY_AFTER_DELAYExceeds withdrawal frequency limit
ISSUER_ERRORRETRY_AFTER_DELAYBlocked, first used — Transaction from new cardholder, and card not properly unblocked
N/AN/ANot declined, valid transaction
ADDITIONAL_VERIFICATION_REQUIREDRETRY_IMMEDIATELYAdditional customer authentication required

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Mastercard amounts

Note: The retry policy shown here reflects the simulator’s behavior, which always falls back to the default retry policy. In production, Mastercard’s retry policy is derived from the merchant advice code (MAC) returned by the issuer in the network response, and may therefore differ from the values below (e.g. DO_NOT_RETRY, or RETRY_AFTER_DELAY with a different delay such as 1 hour, 2/4/6/8/10 days).
AmountError codesRetry policyReason
N/AN/AApproved and completed successfully
ISSUER_ERRORRETRY_AFTER_DELAYRefer to card issuer
INVALID_MERCHANTRETRY_AFTER_DELAYInvalid merchant
PICK_UP_CARDDO_NOT_RETRYPick Up Card (No Fraud)
DECLINEDRETRY_AFTER_DELAYDo Not Honor
N/AN/AHonor with ID
N/AN/APartial approval
INVALID_TRANSACTIONRETRY_AFTER_DELAYInvalid transaction
INVALID_AMOUNTRETRY_AFTER_DELAYInvalid amount
ERRORRETRY_AFTER_DELAYError
ISSUER_ERRORRETRY_AFTER_DELAYNo such issuer
INVALID_TRANSACTIONRETRY_AFTER_DELAYFormat error
PICK_UP_CARDDO_NOT_RETRYLost Card
PICK_UP_CARDDO_NOT_RETRYStolen Card
CLOSED_ACCOUNTDO_NOT_RETRYClosed Account
INSUFFICIENT_FUNDSRETRY_AFTER_DELAYInsufficient Funds/Over credit limit
EXPIRED_CARDRETRY_AFTER_DELAYExpired Card
FAILED_VERIFICATIONRETRY_AFTER_DELAYFailed verification
TRANSACTION_NOT_PERMITTEDRETRY_AFTER_DELAYTransaction not permitted to issuer/cardholder
EXCEEDS_APPROVAL_LIMITRETRY_AFTER_DELAYExceeds withdrawal amount limit
RESTRICTED_CARDDO_NOT_RETRYRestricted Card
ERRORRETRY_AFTER_DELAYSecurity violation
ADDITIONAL_VERIFICATION_REQUIREDRETRY_AFTER_DELAYAdditional customer authentication required
ISSUER_ERRORRETRY_AFTER_DELAYContact card issuer
ISSUER_ERRORRETRY_AFTER_DELAYAccount not yet activated
DECLINEDRETRY_AFTER_DELAYSuspected fraud
N/AN/ANot declined, valid transaction
N/AN/ANo cash back allowed
ADDITIONAL_VERIFICATION_REQUIREDRETRY_IMMEDIATELYAdditional customer authentication required

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Error codes and retry policy

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Error codes

Error codesDescription
ERRORAn error has happened. You can see the error message/reason for more context
DECLINEDThe operation was declined. You can see the error message/reason for more context
ISSUER_ERRORAn error related to the issuer. Usually cardholder needs to contact issuer
PICK_UP_CARDMostly relevant for in-person payments, indicating the card should not be returned (e.g. lost or stolen card)
INVALID_MERCHANTMerchant is not allowed to process the transaction (e.g. invalid MCC, merchant is not permitted to process the transaction, regulatory restrictions)
INVALID_TRANSACTIONTransaction was declined because it’s not permitted for the cardholder or card
INVALID_AMOUNTAmount provided is invalid
INSUFFICIENT_FUNDSNot enough funds on card to fulfill transaction
CLOSED_ACCOUNTThe account has been closed
EXPIRED_CARDCard is expired or the expiration date is invalid or missing
TRANSACTION_NOT_PERMITTEDThe transaction is not permitted to the cardholder or the card type
EXCEEDS_APPROVAL_LIMITDeclined because the amount limits for the card/account has been exceeded, or because issuer/acquirer risk cap has been exceeded
EXCEEDS_WITHDRAWAL_FREQUENCY_LIMITDeclined because the maximum allowed withdrawals has been reached
RESTRICTED_CARDThe card is restricted from performing the transactions, usually related to region locks
FAILED_VERIFICATIONThe card has failed some verification (e.g. PIN verification, CVV)
ADDITIONAL_VERIFICATION_REQUIREDSoft decline, the issuer has requested additional verification. Will generally be handled by performing 3DS

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Retry codes

Retry codeDescription
DO_NOT_RETRYThe transactions should not be retried
RETRY_IMMEDIATELYYou can retry the transaction immediately. If it fails again you should not retry again
RETRY_AFTER_DELAYYou can retry again after a delay. You should also receive a timestamp that indicates when you can retry again
Last modified on June 9, 2026