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ANZ eGate Test Credit Cards

S2I Test Cards 2.4.5

The purpose of the mandatory testing is to ensure that your integration is performing correctly with the payment server and receiving the appropriate responses to display to your card holder. For example if an ‘insufficient funds’ or ‘invalid card’ response is returned it is important your integration can interpret this and display appropriately to your card holder.

To ensure there has been enough testing to identify any problems and to familiarize yourself with the product we require a minimum of 20 test transactions across all the scenarios.

Response Codes Testing

The information below is applicable only in the testing environment, i.e. when you are using your test merchant profile.

The test bank simulator is configured to allow the user to change the responses received against the test card numbers. To view the responses for each transaction you must log-in to the Merchant Administrator portal and perform an Order or Financial transaction Search. The TEST merchant profile is accessed when you log-in to the Merchant Administrator portal by prefixing “TEST” to the “Merchant ID” field (e.g. TESTxxxxxxxxxx).

The below test card numbers (Table 1) can be used to trigger the different response codes by varying the Expiry Date for the transaction. The following table shows how the various response codes can be triggered varying the Expiry Date.

The test bank simulator is configured to allow the user to change the response received against the provided test card numbers by varying the Expiry Date for the transaction. The following table shows how the various response codes can be triggered varying the Expiry Date.

Table 1 - Testing by EXP - Cards and Responses

BRAND PAN Card Security Code
MASTERCARD 5577810000000004 Any 3 digits
DINERS CLUB 30123400000000 Any 3 digits
VISA 4434260000000008 Any 3 digits
JCB 3528000000000007 N/A
Expiry Date Response code definition Acquirer Response Code
3901 0 Transaction approved
2302 1 Transaction could not be processed
2205 2 Transaction declined - contact issuing bank
2808 3 No reply from Processing Host
2704 4 Card has expired
2701 5 Insufficient credit

*For example, to obtain a response code of 1 on a MasterCard, simply send a transaction with expiry date 23/02 (yy/mm) against one of the above MasterCard numbers.

BRAND PAN
AMEX 345678000000007
Expiry Date Response code definition Acquirer Response Code
3901 00 Transaction approved
3102 92 Transaction could not be completed
2201 01 Transaction declined – Refer to Card Issuer
3101 91 Card Issuer Unavailable
2704 54 Card has expired
2701 51 Insufficient credit
BRAND PAN
MASTERCARD 2223000000000007
MASTERCARD 2223000000000023
MASTERCARD 2223000000000031
Expiry Date Response code definition Acquirer Response Code
3901 0 Transaction approved
2201 E Transaction could not be processed
2205 2 Transaction declined - contact issuing bank
2808 3 No reply from Processing Host
2204 4 Card has expired
2701 5 Insufficient credit

Card security code (CSC) Result Code

The CSC is in addition to the bank card number which is embossed or printed on the card. The CSC is used as a security feature, in situations where a PIN cannot be used.

The following table shows how the various CSC response codes that can be triggered by varying the CSC value. Most Issuing banks will fail a transaction due to incorrect CSC in production.

All the transactions will get approved with any CSC Value except 104 CSC Value

To view the responses for each CSC test you must log-in to the Merchant Administrator portal and perform a Financial transaction Search. Click on ‘Transaction Number’ then ‘Order ID.’

Here you will see the response under ‘Card Details’ - "CSC Result Code = P”

CSC Value Name Response Code
100 Valid or Matched CSC M
104 Code Invalid or Not Matched N
102 CSC Not Processed P

*For example, to obtain a response code of P on a MasterCard, simply send a transaction with CSC 102 against one of the above MasterCard numbers

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