Testing Cards

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Overview

Nuvei provides test card numbers for simulating and testing transaction scenarios in the Nuvei integration environment.

Test cards are:

  • Only valid in the Nuvei integration environment.
  • Do not transfer any actual funds.
  • Do NOT work in the Nuvei production environment.
  • cvv and expiration dates are mandatory, but can be any valid value.

Testing Scenarios

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

For APM provider test credentials see the Testing APMs topic.

Non-3D-Secure Transactions

Select relevant test cards for your testing.

Cards that Return APPROVED

VISAMASTERCARDAMEX
4761344136141390
4761201381475297
4159129252458086
4123407439043051
4001888687412469
4444493318246892
4000996174334475 (returns partial approval)
5333608104136723 (returns partial approval)		5101081046006034
5101084411423750
5333304500657872
5333308664112277
5550345228382224
5550347471347813
2222755234426838
2221004483162815		375510513169537
375510288656924
375510379996452
375510082116984
DISCOVERDINERSCHINA 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 REASONVISAMASTERCARDAMEX
Decline4008370896662369
(UK)		5333418445863914 (Russian Federation)

5001638548736201 (UK)		375521501910816
Soft Decline - Authentication is Advised4021937195658141 (UK)

4217641329972469 (US)		5118081410264525 (UK)

5109486948867999 (US)		N/A
External Error in Processing4000128449498204 (US)5333423768173347 (US)

5100976565928800 (UK)		375522679892992
Acquirer Validation4000135814550378 (US)5333435197139699 (US)375523500980436
Lost/Stolen4000157454627969 (US)5333452804487502 (US)375525991062202
Do Not Honor4000164166749263 (India)5333463046218753 (US)375526064276158 (Germany)
Insufficient Funds4000173946194872 (India)

4008384424370890 (UK)		5333475572200849 (US)375527639875136 (Ireland)
Exceeds Withdrawal Limit4000189336416410 (India)5333482348715142 (US)375528929838107 (Ireland)
Exceeds Withdrawal Frequency4000196948974975 (India)5333498929343773 (South Korea)375529856696120 (Ireland)
Invalid Transaction4000203016321921 (US)5333502383316074 (Puerto Rico)375530796593260
Format Error4000212384978055 (US)5333518577223892 (US)375531494255517 (Indonesia)
Issuer or Switch Inoperative4000229544877670 (US)5333527145351713 (Costa Rica)375532604034750
Timeout/Retry4000234977370839 (US)5333532915594096 (US)375533558061005 (Greece)

Expired Card

4000247422310226 (US)5333540337444022 (US)375534876707683 (Greece)
Transaction Not Permitted To Cardholder4000254588011960 (US)5333554636535091 (US)375535264614027 (Greece)
Transaction Not Permitted on Terminal4000269084739575 (US)5333562868563707 (US)375536629108788 (Greece)
Restricted Card4000273652260030 (US)5333578626428553 (US)375537795464104 (Greece)
Invalid CVVN/A5333583123003909 (US)375538733297606 (Greece)

Discover, Diners, and China Union Pay

DECLINE REASONDISCOVERDINERSCHINA UNION PAY
Do Not Honor60112067704487413640950455845136217993670836073
Insufficient Funds65048556457203483617980304077306227892150665366

3D-Secure v2 Transactions

The Nuvei sandbox environment allows you to simulate and test possible 3D-Secure v2 flow scenarios.

Background

Frictionless Flow vs. Challenge-Based Customer Authentication
  • The issuer carries the risk for chargebacks arising 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
  • 3D-Secure v2 test scenarios are specified by providing combinations of cardNumber and cardHolderName in your API request, or in a Payment Page input form.
  • Example Combinations of cardNumber and cardHolderName for Testing 3D-Secure v2 Flows:
  • ScenarioamountcardHolderNamecardNumber
    Frictionless*
    (* amount must be >= 150)    		150FL-BRW14000020951595032
    Challenge151CL-BRW22221008123677736
    Fallback152John Smith4407106439671112
    non-3D10Jane Smith4000027891380961

Specifying Test Scenarios

Use these cardNumber and cardHolderName values listed below, in your parameter combinations:

cardHolderName for 3DS-V2

Possible ScenarioscardHolderName
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: threeDSMethodURL = NULL
  • To simulate 3D-Secure v2 fingerprinting, select a card where: threeDSMethodURL = {a relevant URL}

Authorization ResponseCard TypecardNumberExpected Decline ReasonthreeDSMethodURL
ApprovedVISA (Credit)4000020951595032NULL
ApprovedVISA (Credit)4000027891380961https://3dsn.sandbox.nuvei.com
ApprovedMC (Credit)5333302221254276NULL
ApprovedMC (Credit)2221008123677736https://3dsn.sandbox.nuvei.com
DeclineVISA (Credit)4000319872807223Please try again or contact issuer.NULL
DeclineVISA (Debit)4001152882620768Please try again or contact issuer.https://3dsn.sandbox.nuvei.com
DeclineMC (Credit)5333418445863914Please try again or contact issuer.NULL
DeclineMC (Credit)5001638548736201Please try again or contact issuer.https://3dsn.sandbox.nuvei.com
Do Not HonorVISA (Debit)4000164166749263Issuer declined your payment. Please try again or contact issuer.NULL
Do Not HonorVISA (Debit)4008370896662369Issuer declined your payment. Please try again or contact issuer.https://3dsn.sandbox.nuvei.com
Do Not HonorMC (Debit)5333463046218753Issuer declined your payment. Please try again or contact issuer.NULL
Do Not HonorMC (Credit)2521003720448414Issuer declined your payment. Please try again or contact issuer.https://3dsn.sandbox.nuvei.com

Additional 3DS-V2 Scenarios

Frictionless Browser 3DS-V2 Exemptions Flow

  • You can test the 3DS-V2 exemption scenario by sending a payment or authorize request.
    • This flow is only supported by Mastercard 3D-Secure v2 cards.
    • For example: 5333302221254276

    Include these parameters:

    • paymentOption.card.cardHolderName = "FL-BRW1-EXMPT"
    • threeD.mpiChallengePreference = "ExemptionRequest"
    • threeD.mpiExemptionRequestReason =  "LowValuePayment"
  • Responses to expect:
    •  A successful exemption returns:
      • transactionStatus=APPROVED
      • ECI 6 – MasterCard
    • A rejected exemption request results in a challenge flow.

Triggering a Frictionless or Challenged Flow

The following table presents scenarios, consisting of specific cards and a particular amount, that trigger either a frictionless or a 3D-challenged transaction flow.

ScenarioAmountCard Number
Frictionless83.1 (all currencies)5545060700001113
4567491000001113
Challenge115.2 (all currencies)5545060700002228
4567491000002228

 

DECLINE REASON VISA MASTERCARD AMEX

 

Possible Scenarios cardHolderName

 

Authorization Response Card Number Expected Decline Reason Card Type threeDSMethodURL

 

Scenario Amount Cardholder Name Card Number