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    Testing Cards

    On this page:
    • Overview
      • Testing Scenarios
    • Non-3D-Secure Transactions
      • Cards that Return APPROVED
      • Cards that Return DECLINED
    • 3D-Secure v2 Transactions
      • Background
      • Specifying Test Scenarios
        • cardHolderName for 3DS-V2
        • cardNumber for 3DS-V2
      • Additional 3DS-V2 Scenarios
        • Frictionless Browser 3DS-V2 Exemptions Flow
        • Triggering a Frictionless or Challenged Flow

    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:

    • Non-3D-Secure Transactions
    • 3D-Secure v2 Transactions
    • For Apple Pay integrations, refer to Testing your Apple Pay integration in the Apple Pay Sandbox.

    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 result)
    5333608104136723 (returns partial approval result)
    5101081046006034
    5101084411423750
    5333304500657872
    5333308664112277
    5550345228382224
    5550347471347813
    2222755234426838
    2221004483162815
    375510513169537
    375510288656924
    375510379996452
    375510082116984

    Cards that Return DECLINED

    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)

    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.safecharge.com
    ApprovedMC (Credit)5333302221254276NULL
    ApprovedMC (Credit)2221008123677736https://3dsn.sandbox.safecharge.com
    DeclineVISA (Credit)4000319872807223Please try again or contact issuer.NULL
    DeclineVISA (Debit)4001152882620768Please try again or contact issuer.https://3dsn.sandbox.safecharge.com
    DeclineMC (Credit)5333418445863914Please try again or contact issuer.NULL
    DeclineMC (Credit)5001638548736201Please try again or contact issuer.https://3dsn.sandbox.safecharge.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.safecharge.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.safecharge.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
    VISA MASTERCARD AMEX
    4000022756305864 (US)
    4000023104662535
    4000027891380961
    4000027701563111
    4000025906274039
    4000996174334475 (returns partial approval result)
    5333608104136723 (returns partial approval result)
    5333300989521936
    5333302221254276
    2221008123677736
    2221004483162815
    5333300523520196
    5333309736307960
    5333305783303555
    5333306956697229
    375510513169537
    375510288656924
    375510379996452
    375510082116984

     

    DECLINE REASON VISA MASTERCARD 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)

     

    Possible Scenarios cardHolderName
    Possible Scenarios
    cardHolderName
    FL = Frictionless
    BRW = Browser Flow
    FL-BRW1
    FL-BRW2
    FL-BRW3
    CL = Challenge
    BRW = Browser Flow
    CL-BRW1
    CL-BRW2
    CL-BRW3
    ERR = Error Message
    BRW = Browser Flow
    ERR-BRW1
    ERR-BRW2
    ERR-BRW3
    FL = Frictionless
    APP = Mobile Application
    FL-APP1
    FL-APP2
    FL-APP3
    CL = Challenge
    APP = Mobile Application
    CL-APP1
    CL-APP2
    CL-APP3

     

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

     

    Scenario Amount Cardholder Name Card Number
    Scenario
    Amount
    Cardholder Name
    Card Number
    Frictionless 150 FL-BRW1 4000020951595032
    Challenge 151 CL-BRW2 2221008123677736
    Fallback 152 John Smith 4407106439671112
    non-3D 10 Jane Smith 4000027891380961

     

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