Credit Card Test Environment
The Optimal Payments Test environment can be used by our merchants to test their web sites or applications without actually running transactions through the payment processing engine. This allows merchants to make sure that their systems are working correctly before using our live environment.
Please note that credit card transactions processed in the Test environment are not sent to the banking network, but through a simulator. Depending on the information provided with the transaction request, the simulator returns either a successful (approved) or failed (declined) response.
Please read the sections below to understand how the Test environment works.
Test Account Information
Your Test account information (storeID, storePwd, and accountNum) is different from the information for your live account. This is done for security purposes, to protect your real information.
Test Server Links
Send test transactions to the following URLs:
Web Services WSDLs and Links 1.0 (Direct Debit and Credit Cards)
Recurring Billing
The URL for the test back office is: https://login.test.netbanx.com
To go to our live environment, you must remove "test" from the URLs.
Test Cards
In the test environment, only the card numbers we provide below work properly.
Do not use real card numbers or other payment instrument details in the Merchant test environment as it is not compliant with Payment Card Industry Data Security Standards (PCI-DSS), and does not protect cardholder/payee information. Any upload of real cardholder data is strictly prohibited, as described in the Terms of Use.
| Card Type | Card numbers |
| Visa | 4530910000012345 | 4510150000000321 |
| Visa Electron | 4917480000000008 | 4917484589897107 |
| Visa Debit Canada | 4506440000000017 | 4724090000011237 |
| Mastercard Debit (Maestro) | 6759950000000162 | 5036150000001115 |
| Mastercard | 5191330000004415 | 5457490000008763 |
| Amex | 370123456789017 | 375529360131002 |
| Discover | 6011234567890123 | |
| JCB | 3569990000000009 | |
| Laser | 6706952343050001237 | 6706952343050001161 |
| Laser | 6304000000000018 | 63040000000000026 |
| Laser | 630400000000000018 | 6304000000000000026 |
| Laser | 6304000000000000026 | 6709000000000000026 |
Expiry Date
Use any date in the future (e.g., 11/20)
3D Secure
You must have your test account configured for 3D Secure before you can use the 3D Secure test cards. The following cards can be used to simulate an enrolled card with the 3D Secure platform (Verified by Visa and Mastercard SecureCode):
- Visa – 4000000000000002
- Visa – 4000000000000010
- Mastercard – 5200000000000007
For an expiry date for 3D Secure transactions, use 01/2011 (where the year is the current year incremented by 1).
Test Bank Account Information
On the Test environment, only the card numbers we provide below work properly. If you use a real credit card number, we cannot guarantee the response you will receive.
Hard-Coded Responses
The following amounts will cause either approval or various declines with the cards mentioned above:
| Amount | Response |
| 0.04 | Error 3015: Soft Decline (Call) |
| 0.05 | Error 3009: Decline by issuing bank |
| 0.90 | Approved with 5-second delay |
| 0.91 | Approved with 10-second delay |
| 0.92 | Approved with 15-second delay |
| 0.93 | Approved with 20-second delay |
| 0.94 | Approved with 25-second delay |
| 0.95 | Approved with 30-second delay |
| 0.96 | Approved with 35-second delay |
| 0.97 | Approved with 40-second delay |
| 0.98 | Approved with 45-second delay |
| 0.99 | Approved with 50-second delay |
| 1.00+ | Approved |
Simulating AVS Responses
By default, all transactions will have an AVS response of "X" (address information matches).
In order to simulate a different response, add the response code you wish to be returned in front of the value you include for the street parameter. For example, if you provided "N 123 Broadway" as the address, the AVS response would be "N". In that case the transaction would fail with error code 212 since "N" means "No part of the address matches". Please use the table below for reference.
| AVS Code | Explanation |
| X | Exact. Nine-digit zip code and address match. |
| Y | Yes. Five-digit zip code and address match. |
| A | Address matches, but zip code does not. |
| W | Nine-digit zip code matches, but address does not. |
| Z | Five-digit zip code matches, but address does not. |
| N | No part of the address matches. |
| U | Address information is unavailable. |
| R | Retry. System unable to process. |
| S | AVS not supported. |
| E | AVS not supported for this industry. |
| B | AVS not performed. |
| Q | Unknown response from issuer / banknet switch. |
Simulating CVD responses
In order to simulate a CVD response, provide a specific CVD value with the transaction. Please use the table below for reference.
| CVD Value | CVD Response Code | Description |
| 111 | M | Match |
| 222 | P | Not processed |
| 333 | S | Value should be on card, but was not provided |
| 444 | U | Issue not certified |
| 555 | Q | Unknown response |
| 666 | N | No match |
Testing by Amount
| Amount | DirectPayment Protocol (namepairs) Error,Suberror | Webservices XML, XML Post, Error | Description |
| 0.01 | N/A | 0 | Approved |
| 0.06 | 2,0 | 1007 | Clearing house timeout (although the simulator returns immediately; if you want a delay, see amount 0.66) |
| 0.11 | 221,1059 | 3022 | Decline Insufficient Funds |
| 0.12 | 221,1090 | 3023 | Activity Decline. "Your request has been declined by the issuing bank due to its proprietary card activity regulations" Issuer RISK Decline |
| 0.13 | 221,1091 | 3024 | Transaction not permitted for card Issuer RISK Decline |
| 0.20 | 101 | 1007 | Internal Error, pre auth |
| 0.23 | 34,4000 | | Risky Transaction, declined by the Risk Management Rules Engine. |
| 0.24 | 212 | 3007 | AVS Failure (Internal AVS) |
| 0.25 | 34,1007 | 4001 | Neg DB - Card has issued a chargeback |
Error Messages
Detailed error messages can be found in the Response Codes section of the online documentation.
