Simulating Card Payments
Simulate the response to a card authorization request. You can return specific response codes by specifying different amounts under $1.00 in the request.
For regular testing, do not use amounts less than $1.00 (100 in minor units) as this will trigger different decline or delay cases.
| Amount (Minor Units) | HTTP Status Code | Error Code | Response |
|---|---|---|---|
| 1 | 200 | Approved | |
| 4 | 402 | 3015 | The bank has requested that you process the transaction manually by calling the card holder's credit card company. |
| 5 | 402 | 3009 | Your request has been declined by the issuing bank. |
| 6 | 500 | 1007 | Clearing house timeout (although the simulator returns immediately; if delay is desired, see amount 96). |
| 11 | 402 | 3022 | The card has been declined due to insufficient funds. |
| 12 | 402 | 3023 | Your request has been declined by the issuing bank due to its proprietary card activity regulations. |
| 13 | 402 | 3024 | Your request has been declined because the issuing bank does not permit the transaction for this card. |
| 20 | 500 | 1007 | An internal error occurred. |
| 23 | 402 | 4002 | The transaction was declined by our Risk Management department. |
| 24 | 402 | 3007 | Your request has failed the AVS check. |
| 25 | 402 | 4001 | The card number or email address associated with this transaction is in our negative database. |
| 77 | 402 | 3060 | Applies for Acquiring (UK/EU). Your request has been declined because Strong Customer Authentication is required. |
| 90 | 200 | Approved with 5-second delay | |
| 91 | 200 | Approved with 10-second delay | |
| 92 | 200 | Approved with 15-second delay | |
| 93 | 200 | Approved with 20-second delay | |
| 94 | 200 | Approved with 25-second delay | |
| 95 | 200 | Approved with 30-second delay | |
| 96 | 500 | 1007 | Declined with 35-second delay. Transaction timed out after 30 seconds. |
| 100 | 200 | Approved |
{
"merchantRefNum": "6264bafe-ed2d-4168-8f7c-84375b049598",
"transactionType": "PAYMENT",
"amount": 4,
"threeDs": {
"merchantUrl": "https://example.com",
"deviceChannel": "BROWSER",
"messageCategory": "PAYMENT",
"transactionIntent": "GOODS_OR_SERVICE_PURCHASE",
"authenticationPurpose": "PAYMENT_TRANSACTION"
},
"accountId": "1002409460",
"card": {
"cardNum": "4000000000002503",
"cardExpiry": {
"month": "02",
"year": "2026"
},
"cvv": 111,
"holderName": "John Doe"
},
"profile": {
"firstName": "John",
"lastName": "Doe",
"email": "john.doe@paysafe.com"
},
"paymentType": "CARD",
"currencyCode": "USD",
"customerIp": "172.0.0.1",
"billingDetails": {
"nickName": "Home",
"street": "5335 Gate Pkwy",
"city": "Jacksonville",
"zip": "32256",
"country": "US",
"state": "FL"
},
"returnLinks": [
{
"rel": "on_completed",
"href": "https://www.example.com/completed/",
"method": "GET"
},
{
"rel": "on_failed",
"href": "https://www.example.com/failed/",
"method": "GET"
},
{
"rel": "default",
"href": "https://www.example.com/failed/",
"method": "GET"
}
]
}
{
"id": "229ddae3-7752-49b5-8010-ca281a5f770f",
"accountId": "1002409460",
"paymentType": "CARD",
"paymentHandleToken": "SCl4tarEuwnStjQa",
"merchantRefNum": "6264bafe-ed2d-4168-8f7c-84375b049598",
"currencyCode": "USD",
"txnTime": "2024-10-17T15:55:20Z",
"billingDetails": {
"nickName": "Home",
"street": "5335 Gate Pkwy",
"city": "Jacksonville",
"zip": "32256",
"state": "FL",
"country": "US"
},
"customerIp": "172.0.0.1",
"status": "INITIATED",
"links": [
{
"method": "GET",
"rel": "redirect_payment",
"href": "https://hosted.test.paysafe.com/cardadapter/v1/authentication/app/index.html?id=229ddae3-7752-49b5-8010-ca281a5f770f"
}
],
"amount": 4,
"action": "REDIRECT",
"usage": "SINGLE_USE",
"timeToLiveSeconds": 299,
"transactionType": "PAYMENT",
"executionMode": "SYNCHRONOUS",
"profile": {
"locale": "en",
"firstName": "John",
"lastName": "Doe",
"email": "john.doe@paysafe.com"
},
"card": {
"cardExpiry": {
"month": "2",
"year": "2026"
},
"holderName": "John Doe",
"cardType": "VI",
"cardBin": "400000",
"lastDigits": "2503",
"cardCategory": "DEBIT",
"issuingCountry": "US"
},
"returnLinks": [
{
"method": "GET",
"rel": "on_completed",
"href": "https://www.example.com/completed/"
},
{
"method": "GET",
"rel": "on_failed",
"href": "https://www.example.com/failed/"
},
{
"method": "GET",
"rel": "default",
"href": "https://www.example.com/failed/"
}
],
"skip3ds": false,
"threeDs": {
"merchantUrl": "https://example.com",
"deviceChannel": "BROWSER",
"messageCategory": "PAYMENT",
"transactionIntent": "GOODS_OR_SERVICE_PURCHASE",
"authenticationPurpose": "PAYMENT_TRANSACTION"
}
}
{
"merchantRefNum": "b9da4161-f7e6-407c-82b6-2ad6d9eeeafa",
"amount": 4,
"currencyCode": "USD",
"dupCheck": true,
"settleWithAuth": true,
"paymentHandleToken": "SCl4tarEuwnStjQa",
"customerIp": "127.0.0.1",
"description": "Paysafe Casino"
}
{
"error": {
"code": "3015",
"message": "The bank has requested that you process the transaction manually by calling the cardholder's credit card company.",
"additionalDetails": [
{
"type": "ADVICE",
"code": "ADVICE-06",
"message": "Undefined response."
},
{
"type": "ISO_RESPONSE",
"code": "01",
"message": "Refer to Issuer"
}
]
},
"id": "ceea58ae-6084-40b1-9b4b-88859f8303b6",
"merchantRefNum": "0b3a6d9b-6ff3-44b3-a340-ffbcb2423826",
"settleWithAuth": true,
"cvvVerification": "MATCH",
"gatewayResponse": {
"cvvVerification": "MATCH"
}
}
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