On this page:

Overview
Non-3D-Secure Transactions
- Cards that Return APPROVED
- Cards that Return DECLINED
  - Visa, Mastercard, and Amex
  - Discover, Diners, and CUP
3D-Secure v2 Transactions

Overview

Nuvei provides test card numbers for simulating and testing transaction scenarios when using the Nuvei REST API 2.0 integration method.

Testing Scenarios

Each testing scenario has different test procedures and sets of test cards, as described below:

Non-3D-Secure Transactions
3D-Secure v2 Transactions
For testing Apple Pay integrations, see Apple Pay Integration Testing.

Important facts about test cards:

Test cards are only valid in the Nuvei REST API 2.0 integration environment.
These cards do not work in the Nuvei REST API 2.0 production environment.
Using test cards does not transfer any actual funds.
cvv and expiration dates are mandatory, but can be any valid value.

Non-3D-Secure Transactions

Select relevant test cards for your testing.

Cards that Return APPROVED

VISA	MASTERCARD	AMEX
4761344136141390 4761201381475297 4159129252458086 4123407439043051 4001888687412469 4444493318246892 4000996174334475* 5333608104136723* 4000287447386587**	5101081046006034 5101084411423750 5333304500657872 5333308664112277 5550345228382224 5550347471347813 2222755234426838 2221004483162815	375510513169537 375510288656924 375510379996452 375510082116984

* Returns partial approval

DISCOVER	DINERS	CHINA UNION PAY
6509821665351005 6221267465440274 6500217278165735 6522231777286524 6523077546008353 6011494585241663	361253433727425 386009540225286 369116638070887 386000330170758 364096288088485 365650577650527	6221272566426206 6233050545583578

Cards that Return DECLINED

Visa, Mastercard, and Amex

DECLINE REASON	VISA	MASTERCARD	AMEX
Decline	4008370896662369 (UK)	5333418445863914 (Russian Federation) 5001638548736201 (UK)	375521501910816
Soft Decline - Authentication is Advised	4021937195658141 (UK) 4217641329972469 (US)	5118081410264525 (UK) 5109486948867999 (US)	N/A
External Error in Processing	4000128449498204 (US)	5333423768173347 (US) 5100976565928800 (UK)	375522679892992
Acquirer Validation	4000135814550378 (US)	5333435197139699 (US)	375523500980436
Lost/Stolen	4000157454627969 (US)	5333452804487502 (US)	375525991062202
Do Not Honor	4000164166749263 (India)	5333463046218753 (US)	375526064276158 (Germany)
Insufficient Funds	4000173946194872 (India) 4008384424370890 (UK)	5333475572200849 (US)	375527639875136 (Ireland)
Exceeds Withdrawal Limit	4000189336416410 (India)	5333482348715142 (US)	375528929838107 (Ireland)
Exceeds Withdrawal Frequency	4000196948974975 (India)	5333498929343773 (South Korea)	375529856696120 (Ireland)
Invalid Transaction	4000203016321921 (US)	5333502383316074 (Puerto Rico)	375530796593260
Format Error	4000212384978055 (US)	5333518577223892 (US)	375531494255517 (Indonesia)
Issuer or Switch Inoperative	4000229544877670 (US)	5333527145351713 (Costa Rica)	375532604034750
Timeout/Retry	4000234977370839 (US)	5333532915594096 (US)	375533558061005 (Greece)
Expired Card	4000247422310226 (US)	5333540337444022 (US)	375534876707683 (Greece)
Transaction Not Permitted To Cardholder	4000254588011960 (US)	5333554636535091 (US)	375535264614027 (Greece)
Transaction Not Permitted on Terminal	4000269084739575 (US)	5333562868563707 (US)	375536629108788 (Greece)
Restricted Card	4000273652260030 (US)	5333578626428553 (US)	375537795464104 (Greece)
Invalid CVV	N/A	5333583123003909 (US)	375538733297606 (Greece)

Discover, Diners, and CUP

DECLINE REASON	DISCOVER	DINERS	CHINA UNION PAY
Do Not Honor	6011206770448741	364095045584513	6217993670836073
Insufficient Funds	6504855645720348	361798030407730	6227892150665366

3D-Secure v2 Transactions

The Nuvei REST API 2.0 sandbox environment allows you to simulate and test possible 3D-Secure flow scenarios.

Background

Frictionless Flow vs. Challenge-Based Customer Authentication

The issuer carries the risk of chargebacks from transactions performed by their cardholders. Therefore, issuers analyze the risk of potential transactions, based on available transaction and device information, time zone, etc.:
- “Low-risk” transactions (called “Frictionless“), are marked as “3D-authenticated”.
  The issuer accepts the “liability shift”, returns a “Frictionless indicator” in the authentication response, and authorizes the payment process to continue.
- “Higher-risk” transactions are either rejected, or marked for “Challenge-based customer authentication”, in an attempt to reduce the potential risk.
  The issuer presents the customer with a Customer Authentication Challenge form (according to 3D-Secure v2 “Strong Customer Authentication” rules).
  The result of the Challenge is returned by the issuer in the authentication response.

3D-Secure v2 Test Scenarios

You can test 3D-Secure v2 test scenarios by sending specific combinations of cardNumber and cardHolderName in your API request.

The cardNumber and cardHolderName test values are provided for you in the Specifying Test Scenarios section below.
Example Combinations of cardNumber and cardHolderName for Testing 3D-Secure v2:
Scenario amount cardHolderName cardNumber

Frictionless >= 150 FL-BRW1 4000020951595032

Challenge 151 CL-BRW2 2221008123677736

non-3D 10 Jane Smith 4000027891380961

Scenario	amount	cardHolderName	cardNumber
Frictionless	>= 150	FL-BRW1	4000020951595032
Challenge	151	CL-BRW2	2221008123677736
non-3D	10	Jane Smith	4000027891380961

Specifying Test Scenarios

Specify a 3D-Secure v2 test scenario by sending the relevant combination of cardNumber and cardHolderName values, in your request.

Select the relevant cardNumber and cardHolderName values from the test values in the following two tables:

`cardHolderName` for 3DS-V2

Possible Scenarios	cardHolderName
Frictionless (FL) Browser Flow (BRW)	FL-BRW1 FL-BRW2 FL-BRW3 FL BRWA FL-BRW1-EXMPT * (* See Frictionless Browser 3DS-V2 Exemptions Flow below for details.)
Challenge (CL) Browser Flow (BRW)	CL-BRW1 CL-BRW2 CL-BRW3 CL BRWA
Error Message (ERR) Browser Flow (BRW)	ERR-BRW1 ERR-BRW2 ERR-BRW3
Frictionless (FL) Mobile Application (APP)	FL-APP1 FL-APP2 FL-APP3
Challenge (CL) Mobile Application (APP)	CL-APP1 CL-APP2 CL-APP3

`cardNumber` for 3DS-V2

To simulate a 3D-Secure v2 Challenge, select a card where: fingerprintUrl = NULL
To simulate 3D-Secure v2 Fingerprinting, select a card where: fingerprintUrl = {a relevant URL}

Authorization Response	Card Type	cardNumber	Expected Decline Reason	fingerprintURL
Approved	VISA (Credit)	4000020951595032		NULL
Approved	VISA (Credit)	4000027891380961		https://3dsn.sandbox.nuvei.com
Approved	MC (Credit)	5333302221254276		NULL
Approved	MC (Credit)	2221008123677736		https://3dsn.sandbox.nuvei.com
Decline	VISA (Credit)	4000319872807223	Please try again or contact issuer.	NULL
Decline	VISA (Debit)	4001152882620768	Please try again or contact issuer.	https://3dsn.sandbox.nuvei.com
Decline	MC (Credit)	5333418445863914	Please try again or contact issuer.	NULL
Decline	MC (Credit)	5001638548736201	Please try again or contact issuer.	https://3dsn.sandbox.nuvei.com
Do Not Honor	VISA (Debit)	4000164166749263	Issuer declined your payment. Please try again or contact issuer.	NULL
Do Not Honor	VISA (Debit)	4008370896662369	Issuer declined your payment. Please try again or contact issuer.	https://3dsn.sandbox.nuvei.com
Do Not Honor	MC (Debit)	5333463046218753	Issuer declined your payment. Please try again or contact issuer.	NULL
Do Not Honor	MC (Credit)	2521003720448414	Issuer declined your payment. Please try again or contact issuer.	https://3dsn.sandbox.nuvei.com

Additional 3DS-V2 Scenarios

Frictionless Exemption

The following Frictionless Exemption scenario is only applicable to testing Mastercard 3D-Secure v2 test cards (for example: 5333302221254276).

You can test a (Mastercard) Frictionless Browser 3DS-V2 Exemption scenario, by sending a “payment” or an “authorize” request, and include the following test parameters:

paymentOption.card.cardHolderName = “FL-BRW1-EXMPT“
threeD.challengePreference = “ExemptionRequest“
threeD.challenge.exemptionRequestReason = “LowValuePayment“

Expected Responses:

A successful Exemption request returns:
- transactionStatus=APPROVED
- ECI 6 – Mastercard
A rejected Exemption request returns:
- The data needed to begin a Challenge flow.

Frictionless or Challenge

Use these cardNumber and amount values to trigger a Frictionless or 3D-Challenged transaction flow:

Scenario	amount	cardNumber
Frictionless	83.1 (all currencies)	5545060700001113 4567491000001113
Challenge	115.2 (all currencies)	5545060700002228 4567491000002228

Testing Cards