Overview

 

When testing the transaction amount can be used to trigger different authorisation and settlement outcomes as follows:

 

Min. Amount

Max. Amount

Authorisation response

Settlement outcome

100 (1.00)

2499 (24.99)

(0) AUTH CODE: XXXXXX

ACCEPTED

2500 (25.00)

4999 (49.99)

(0) AUTH CODE: XXXXXX

REJECTED

5000 (50.00)

7499 (74.99)

(1) CARD REFERRED

(0) AUTH CODE: XXXXXX

ACCEPTED

7500 (75.00)

9999 (99.99)

(1) CARD REFERRED

(0) AUTH CODE: XXXXXX

REJECTED

10000 (100.00)

14999 (149.99)

(5) CARD DECLINED

N/A

15000 (150.00)

19999 (199.99)

(4) CARD DECLINED – KEEP CARD

N/A

20000 (200.00)

24999 (249.99)

(65) CARD DECLINED – SCA REQUIRED

(0) AUTH CODE: XXXXXX

ACCEPTED

25000 (250.00)

29999 (299.99)

(65) CARD DECLINED – SCA REQUIRED

(5) CARD DECLINED

N/A

Any other amount will return a response Code of 66311 (Invalid Test Amount).

The settlement outcome only applies to transactions which reach settlement due to being successfully authorised and captured and not cancelled. The amount captured is used when determining the settlement outcome rather than the amount authorised.

The range 5000 to 9999 can be used to test manual authorisations. If the transaction does not contain an authorisation Code request field, then the Simulator will return a response Code of 1 (CARD REFERRED). If it does, then it will return a response Code of 0 (SUCCESS), with an amount between 50000 and 7499 being accepted at settlement and an amount of 7500 to 9999 being rejected.

The range 20000 to 29999 can be used to test SCA soft declines. If the transaction is eligible to request SCA then the Simulator will return a response Code of 65 (SCA REQUIRED). If not, then it will return a response Code of 0 (SUCCESS) for the range 20000 to 24999 or 5 (DO NOT HONOR) for the range 25000 to 29999. Successful transactions will be approved at settlement.

Note: you cannot emulate SCA REQUIRED responses using the Virtual Terminal.

A cardholder-initiated ecommerce sale or verify transaction that is enabled for 3-D Secure but is not already authenticated. SCA exemptions are not supported by the simulator and so cannot be used to request that SCA is not required.

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