Dintero PSP card test data

3D-Secure

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

Visa

Expiry	CVC	Type of test data
After the current month	Any	Skip 3DS challenge
After the current month	Any	3DS method call and challenge
After the current month	Any	3DS returns proof of attempt (ECI 6)
After the current month	Any	3DS verification fails

Mastercard

Expiry	CVC	Type of test data
After the current month	Any	Skip 3DS challenge
After the current month	Any	3DS method call and challenge
After the current month	Any	3DS returns proof of attempt (ECI 1)
After the current month	Any	3DS verification fails

Declined payments

Expiry	CVC	Type of test data	Error code
After the current month	Any	3DS authentication required	`1A`
After the current month	Any	Authorization timed out	Error
After the current month	Any	Capture timed out	Error
After the current month	Any	Refund timed out	Error
After the current month	Any	Auto-capture transaction timed out	Error
After the current month	Any	Cancelling transaction timed out	Error
After the current month	Any	Provisioning token timed out	Error
After the current month	Any	Authorization timed out	Error
After the current month	Any	Capture timed out	Error
After the current month	Any	Refund timed out	Error
After the current month	Any	Auto-capture transaction timed out	Error
After the current month	Any	Cancelling transaction timed out	Error
After the current month	Any	Provisioning token timed out	Error

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.

Amount	Response 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.

Visa amounts

Error code	Retry policy	Reason
N/A	N/A	Approved and completed successfully
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	Refer to issuer
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	Refer to issuer
`INVALID_MERCHANT`	`RETRY_AFTER_DELAY`	Invalid merchant
`PICK_UP_CARD`	`DO_NOT_RETRY`	Pick up card (no fraud suspected)
`DECLINED`	`RETRY_AFTER_DELAY`	Do not honor
`ERROR`	`RETRY_AFTER_DELAY`	Error
`PICK_UP_CARD`	`DO_NOT_RETRY`	Pick up card (fraud account)
N/A	N/A	Partial approval
N/A	N/A	Approved VIP
`INVALID_TRANSACTION`	`DO_NOT_RETRY`	Invalid transaction
`INVALID_AMOUNT`	`RETRY_AFTER_DELAY`	Invalid amount or currency conversion field overflow
`ISSUER_ERROR`	`DO_NOT_RETRY`	No such issuer
`DECLINED`	`RETRY_AFTER_DELAY`	Re-enter transaction
`DECLINED`	`RETRY_AFTER_DELAY`	No action taken
`ERROR`	`RETRY_AFTER_DELAY`	Unable to locate record in file
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	File temporarily not available for update or inquiry
`DECLINED`	`RETRY_AFTER_DELAY`	No credit account
`PICK_UP_CARD`	`DO_NOT_RETRY`	Lost card
`PICK_UP_CARD`	`DO_NOT_RETRY`	Stolen card
`CLOSED_ACCOUNT`	`DO_NOT_RETRY`	Deactivated token
`INSUFFICIENT_FUNDS`	`RETRY_AFTER_DELAY`	Insufficient funds
`DECLINED`	`RETRY_AFTER_DELAY`	No checking account
`EXPIRED_CARD`	`RETRY_AFTER_DELAY`	Expired card or expiration date is missing
`FAILED_VERIFICATION`	`RETRY_AFTER_DELAY`	Failed verification
`TRANSACTION_NOT_PERMITTED`	`DO_NOT_RETRY`	Transaction not permitted to cardholder
`DECLINED`	`RETRY_AFTER_DELAY`	Suspected fraud
`EXCEEDS_APPROVAL_LIMIT`	`RETRY_AFTER_DELAY`	Exceeds approval amount limit
`RESTRICTED_CARD`	`RETRY_AFTER_DELAY`	Restricted card (card invalid in this region or country)
`ERROR`	`RETRY_AFTER_DELAY`	Security violation
`DECLINED`	`RETRY_AFTER_DELAY`	Transaction does not fulfill anti-money laundering requirement
`EXCEEDS_WITHDRAWAL_FREQUENCY_LIMIT`	`RETRY_AFTER_DELAY`	Exceeds withdrawal frequency limit
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	Blocked, first used — Transaction from new cardholder, and card not properly unblocked
N/A	N/A	Not declined, valid transaction
`ADDITIONAL_VERIFICATION_REQUIRED`	`RETRY_IMMEDIATELY`	Additional customer authentication required
N/A	N/A	Approved, but authorization expires after 1 minute

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).

Error codes	Retry policy	Reason
N/A	N/A	Approved and completed successfully
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	Refer to card issuer
`INVALID_MERCHANT`	`RETRY_AFTER_DELAY`	Invalid merchant
`PICK_UP_CARD`	`DO_NOT_RETRY`	Pick Up Card (No Fraud)
`DECLINED`	`RETRY_AFTER_DELAY`	Do Not Honor
N/A	N/A	Honor with ID
N/A	N/A	Partial approval
`INVALID_TRANSACTION`	`RETRY_AFTER_DELAY`	Invalid transaction
`INVALID_AMOUNT`	`RETRY_AFTER_DELAY`	Invalid amount
`ERROR`	`RETRY_AFTER_DELAY`	Error
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	No such issuer
`INVALID_TRANSACTION`	`RETRY_AFTER_DELAY`	Format error
`PICK_UP_CARD`	`DO_NOT_RETRY`	Lost Card
`PICK_UP_CARD`	`DO_NOT_RETRY`	Stolen Card
`CLOSED_ACCOUNT`	`DO_NOT_RETRY`	Closed Account
`INSUFFICIENT_FUNDS`	`RETRY_AFTER_DELAY`	Insufficient Funds/Over credit limit
`EXPIRED_CARD`	`RETRY_AFTER_DELAY`	Expired Card
`FAILED_VERIFICATION`	`RETRY_AFTER_DELAY`	Failed verification
`TRANSACTION_NOT_PERMITTED`	`RETRY_AFTER_DELAY`	Transaction not permitted to issuer/cardholder
`EXCEEDS_APPROVAL_LIMIT`	`RETRY_AFTER_DELAY`	Exceeds withdrawal amount limit
`RESTRICTED_CARD`	`DO_NOT_RETRY`	Restricted Card
`ERROR`	`RETRY_AFTER_DELAY`	Security violation
`ADDITIONAL_VERIFICATION_REQUIRED`	`RETRY_AFTER_DELAY`	Additional customer authentication required
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	Contact card issuer
`ISSUER_ERROR`	`RETRY_AFTER_DELAY`	Account not yet activated
`DECLINED`	`RETRY_AFTER_DELAY`	Suspected fraud
N/A	N/A	Not declined, valid transaction
N/A	N/A	No cash back allowed
`ADDITIONAL_VERIFICATION_REQUIRED`	`RETRY_IMMEDIATELY`	Additional customer authentication required
N/A	N/A	Approved, but authorization expires after 1 minute

Error codes and retry policy

Error codes

Error codes	Description
`ERROR`	An error has happened. You can see the error message/reason for more context
`DECLINED`	The operation was declined. You can see the error message/reason for more context
`ISSUER_ERROR`	An error related to the issuer. Usually cardholder needs to contact issuer
`PICK_UP_CARD`	Mostly relevant for in-person payments, indicating the card should not be returned (e.g. lost or stolen card)
`INVALID_MERCHANT`	Merchant is not allowed to process the transaction (e.g. invalid MCC, merchant is not permitted to process the transaction, regulatory restrictions)
`INVALID_TRANSACTION`	Transaction was declined because it’s not permitted for the cardholder or card
`INVALID_AMOUNT`	Amount provided is invalid
`INSUFFICIENT_FUNDS`	Not enough funds on card to fulfill transaction
`CLOSED_ACCOUNT`	The account has been closed
`EXPIRED_CARD`	Card is expired or the expiration date is invalid or missing
`TRANSACTION_NOT_PERMITTED`	The transaction is not permitted to the cardholder or the card type
`EXCEEDS_APPROVAL_LIMIT`	Declined because the amount limits for the card/account has been exceeded, or because issuer/acquirer risk cap has been exceeded
`EXCEEDS_WITHDRAWAL_FREQUENCY_LIMIT`	Declined because the maximum allowed withdrawals has been reached
`RESTRICTED_CARD`	The card is restricted from performing the transactions, usually related to region locks
`FAILED_VERIFICATION`	The card has failed some verification (e.g. PIN verification, CVV)
`ADDITIONAL_VERIFICATION_REQUIRED`	Soft decline, the issuer has requested additional verification. Will generally be handled by performing 3DS
`AUTHORIZATION_EXPIRED`	Operation failed due to authorization having expired

Retry codes

Retry code	Description
`DO_NOT_RETRY`	The transactions should not be retried
`RETRY_IMMEDIATELY`	You can retry the transaction immediately. If it fails again you should not retry again
`RETRY_AFTER_DELAY`	You can retry again after a delay. You should also receive a timestamp that indicates when you can retry again

Customization

Distribution & Channels

Settlements & Reports

Testing

Security

SDKs

3D-Secure

Visa

Mastercard

Declined payments

Simulate response codes

Visa amounts

Mastercard amounts

Error codes and retry policy

Error codes

Retry codes

​3D-Secure

​Visa

​Mastercard

​Declined payments

​Simulate response codes

​Visa amounts

​Mastercard amounts

​Error codes and retry policy

​Error codes

​Retry codes

3D-Secure

Visa

Mastercard

Declined payments

Simulate response codes

Visa amounts

Mastercard amounts

Error codes and retry policy

Error codes

Retry codes