Dintero PSP card test data
All cards here will succeed all operations after performing 3DS with the exception of cards failing 3DS
verification.
| Card number | Expiry | CVC | Type of test data |
|---|
| 4000 0000 0000 0002 | After the current month | Any | Skip 3DS challenge |
| 4000 1000 0000 0000 | After the current month | Any | 3DS method call and challenge |
| 4000 2000 0000 0008 | After the current month | Any | 3DS returns proof of attempt (ECI 6) |
| 4000 3000 0000 0006 | After the current month | Any | 3DS verification fails |
| Card number | Expiry | CVC | Type of test data |
|---|
| 5200 0000 0000 0007 | After the current month | Any | Skip 3DS challenge |
| 5200 0000 0000 0015 | After the current month | Any | 3DS method call and challenge |
| 5200 0000 0000 0023 | After the current month | Any | 3DS returns proof of attempt (ECI 1) |
| 5200 0000 0000 0031 | After the current month | Any | 3DS verification fails |
| Card number | Expiry | CVC | Type of test data | Error code |
|---|
| 4100 0000 0000 0076 | After the current month | Any | 3DS authentication required | 1A |
| 4100 0000 0000 0001 | After the current month | Any | Authorization timed out | Error |
| 4100 0000 0000 0019 | After the current month | Any | Capture timed out | Error |
| 4100 0000 0000 0027 | After the current month | Any | Refund timed out | Error |
| 4100 0000 0000 0035 | After the current month | Any | Auto-capture transaction timed out | Error |
| 4100 0000 0000 0043 | After the current month | Any | Cancelling transaction timed out | Error |
| 4100 0000 0000 0050 | After the current month | Any | Provisioning token timed out | Error |
| 5100 0000 0000 0008 | After the current month | Any | Authorization timed out | Error |
| 5100 0000 0000 0016 | After the current month | Any | Capture timed out | Error |
| 5100 0000 0000 0024 | After the current month | Any | Refund timed out | Error |
| 5100 0000 0000 0032 | After the current month | Any | Auto-capture transaction timed out | Error |
| 5100 0000 0000 0040 | After the current month | Any | Cancelling transaction timed out | Error |
| 5100 0000 0000 0057 | After the current month | Any | Provisioning token timed out | Error |
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 |
|---|
| 99501.00 | 01 |
| 99501.99 | 01 |
| 99519.00 | 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.
| Amount | Error code | Retry policy | Reason |
|---|
| 99500.00 | N/A | N/A | Approved and completed successfully |
| 99501.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | Refer to issuer |
| 99502.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | Refer to issuer |
| 99503.00 | INVALID_MERCHANT | RETRY_AFTER_DELAY | Invalid merchant |
| 99504.00 | PICK_UP_CARD | DO_NOT_RETRY | Pick up card (no fraud suspected) |
| 99505.00 | DECLINED | RETRY_AFTER_DELAY | Do not honor |
| 99506.00 | ERROR | RETRY_AFTER_DELAY | Error |
| 99507.00 | PICK_UP_CARD | DO_NOT_RETRY | Pick up card (fraud account) |
| 99510.00 | N/A | N/A | Partial approval |
| 99511.00 | N/A | N/A | Approved VIP |
| 99512.00 | INVALID_TRANSACTION | DO_NOT_RETRY | Invalid transaction |
| 99513.00 | INVALID_AMOUNT | RETRY_AFTER_DELAY | Invalid amount or currency conversion field overflow |
| 99515.00 | ISSUER_ERROR | DO_NOT_RETRY | No such issuer |
| 99519.00 | DECLINED | RETRY_AFTER_DELAY | Re-enter transaction |
| 99521.00 | DECLINED | RETRY_AFTER_DELAY | No action taken |
| 99525.00 | ERROR | RETRY_AFTER_DELAY | Unable to locate record in file |
| 99528.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | File temporarily not available for update or inquiry |
| 99539.00 | DECLINED | RETRY_AFTER_DELAY | No credit account |
| 99541.00 | PICK_UP_CARD | DO_NOT_RETRY | Lost card |
| 99543.00 | PICK_UP_CARD | DO_NOT_RETRY | Stolen card |
| 99546.00 | CLOSED_ACCOUNT | DO_NOT_RETRY | Deactivated token |
| 99551.00 | INSUFFICIENT_FUNDS | RETRY_AFTER_DELAY | Insufficient funds |
| 99552.00 | DECLINED | RETRY_AFTER_DELAY | No checking account |
| 99554.00 | EXPIRED_CARD | RETRY_AFTER_DELAY | Expired card or expiration date is missing |
| 99555.00 | FAILED_VERIFICATION | RETRY_AFTER_DELAY | Failed verification |
| 99557.00 | TRANSACTION_NOT_PERMITTED | DO_NOT_RETRY | Transaction not permitted to cardholder |
| 99559.00 | DECLINED | RETRY_AFTER_DELAY | Suspected fraud |
| 99561.00 | EXCEEDS_APPROVAL_LIMIT | RETRY_AFTER_DELAY | Exceeds approval amount limit |
| 99562.00 | RESTRICTED_CARD | RETRY_AFTER_DELAY | Restricted card (card invalid in this region or country) |
| 99563.00 | ERROR | RETRY_AFTER_DELAY | Security violation |
| 99564.00 | DECLINED | RETRY_AFTER_DELAY | Transaction does not fulfill anti-money laundering requirement |
| 99565.00 | EXCEEDS_WITHDRAWAL_FREQUENCY_LIMIT | RETRY_AFTER_DELAY | Exceeds withdrawal frequency limit |
| 99578.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | Blocked, first used — Transaction from new cardholder, and card not properly unblocked |
| 99585.00 | N/A | N/A | Not declined, valid transaction |
| 401.00 | ADDITIONAL_VERIFICATION_REQUIRED | RETRY_IMMEDIATELY | Additional customer authentication required |
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).
| Amount | Error codes | Retry policy | Reason |
|---|
| 99500.00 | N/A | N/A | Approved and completed successfully |
| 99501.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | Refer to card issuer |
| 99503.00 | INVALID_MERCHANT | RETRY_AFTER_DELAY | Invalid merchant |
| 99504.00 | PICK_UP_CARD | DO_NOT_RETRY | Pick Up Card (No Fraud) |
| 99505.00 | DECLINED | RETRY_AFTER_DELAY | Do Not Honor |
| 99508.00 | N/A | N/A | Honor with ID |
| 99510.00 | N/A | N/A | Partial approval |
| 99512.00 | INVALID_TRANSACTION | RETRY_AFTER_DELAY | Invalid transaction |
| 99513.00 | INVALID_AMOUNT | RETRY_AFTER_DELAY | Invalid amount |
| 99514.00 | ERROR | RETRY_AFTER_DELAY | Error |
| 99515.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | No such issuer |
| 99530.00 | INVALID_TRANSACTION | RETRY_AFTER_DELAY | Format error |
| 99541.00 | PICK_UP_CARD | DO_NOT_RETRY | Lost Card |
| 99543.00 | PICK_UP_CARD | DO_NOT_RETRY | Stolen Card |
| 99546.00 | CLOSED_ACCOUNT | DO_NOT_RETRY | Closed Account |
| 99551.00 | INSUFFICIENT_FUNDS | RETRY_AFTER_DELAY | Insufficient Funds/Over credit limit |
| 99554.00 | EXPIRED_CARD | RETRY_AFTER_DELAY | Expired Card |
| 99555.00 | FAILED_VERIFICATION | RETRY_AFTER_DELAY | Failed verification |
| 99557.00 | TRANSACTION_NOT_PERMITTED | RETRY_AFTER_DELAY | Transaction not permitted to issuer/cardholder |
| 99561.00 | EXCEEDS_APPROVAL_LIMIT | RETRY_AFTER_DELAY | Exceeds withdrawal amount limit |
| 99562.00 | RESTRICTED_CARD | DO_NOT_RETRY | Restricted Card |
| 99563.00 | ERROR | RETRY_AFTER_DELAY | Security violation |
| 99565.00 | ADDITIONAL_VERIFICATION_REQUIRED | RETRY_AFTER_DELAY | Additional customer authentication required |
| 99570.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | Contact card issuer |
| 99572.00 | ISSUER_ERROR | RETRY_AFTER_DELAY | Account not yet activated |
| 99583.00 | DECLINED | RETRY_AFTER_DELAY | Suspected fraud |
| 99585.00 | N/A | N/A | Not declined, valid transaction |
| 99587.00 | N/A | N/A | No cash back allowed |
| 401.00 | ADDITIONAL_VERIFICATION_REQUIRED | RETRY_IMMEDIATELY | Additional customer authentication required |
| 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 |
| 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 |