Test and Go Live

Testing Overview

To access the MasterCard Payment Gateway test simulator, type "TEST" as a prefix to the Merchant ID supplied by your payment service provider. If the Merchant ID supplied already has "TEST" as the first 4 letters, you are already using the test simulator, and your payment service provider will send you another Merchant ID when you are ready to process live transactions.

The test simulator is configured to generate predictable results based on the transaction request and card details you supply.

You can trigger specific transaction responses, e.g. the MasterCard Payment Gateway Response Code and Card Security Code validation, as well as Address Verification response codes. You can also test features like Risk Management and Wallet functionality.

Commence Live Payments

After you have tested your integration and received your production merchant ID, you can process live transactions. To move your integration from the test profile to the production profile, you will need to update the following with the new values for your production profile:

  • Merchant ID
  • API Password

You should perform several live test transactions, using a real credit card, through your production profile, and validate that transactions settle correctly into the expected bank account.

Contact your payment service provider if you need more information on commencing live payments.

Card Transaction Test Details

Standard Test Data – All Supported Regions

Use the standard test data unless specific test details for your acquirer and region are provided in the sections below.

Details
Test Cards Card Number 3-D Secure Enrolled
Mastercard
5123450000000008 Y
2223000000000007 Y
5111111111111118 N
2223000000000023 N
Visa
4508750015741019 Y
4012000033330026 N
American Express
345678901234564 Y
371449635398431 N
Diners Club
30123400000000 Y
36259600000012 N
JCB
3528000000000007 Y
3528111100000001 N
Discover 6011003179988686 Y
6011963280099774 N
Maestro 5000000000000000005 Y
5666555544443333 N
UATP
(UATP cards do not support CSC/CVV and 3DS)
135492354874528 N
135420001569134 N

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
05 / 22
DECLINED
04 / 27
EXPIRED_CARD
08 / 28
TIMED_OUT
01 / 37 ACQUIRER_SYSTEM_ERROR
02 / 37 UNSPECIFIED_FAILURE
05 / 37 UNKNOWN

 

CSC/CVV CSC/CVV Response Gateway Code
100
MATCH
101
NOT_PROCESSED
102
NO_MATCH
For American Express cards
1000 MATCH
1010 NOT_PROCESSED
1020 NO_MATCH

 

Billing Address Street AVS Response Gateway Code
10001 Alpha St
ADDRESS_MATCH
10002 Gamma St
NOT_VERIFIED
10003 November St
NO_MATCH
10004 Romeo St
SERVICE_NOT_AVAILABLE_RETRY
10005 Sierra St
SERVICE_NOT_SUPPORTED
10006 Uniform St
NOT_AVAILABLE
10007 Whiskey St
ZIP_MATCH
10008 X-ray St
ADDRESS_ZIP_MATCH
10009 Kilo St NAME_MATCH
10010 Oscar St NAME_ADDRESS_MATCH
10011 Lima St NAME_ZIP_MATCH
10012 Zero St NOT_REQUESTED

S2A Link(s) – Australia and New Zealand

Details
Test Cards Card Number
Mastercard
5123450000000008
2223000000000007
Visa
4005550000000019
American Express
345678901234564
Diners Club
30123400000000
JCB
3528000000000007
Discover
6011003179988686
Farmers Card
6005555044444110

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
05 / 22
DECLINED
08 / 28
TIMED_OUT
04 / 27
EXPIRED_CARD

 

CSC/CVV CSC/CVV Response Gateway Code
100
MATCH
101
NOT_PRESENT
102
NOT_PROCESSED
103
NOT_SUPPORTED
104
NO_MATCH
105
no CSC response
106
no CSC response

American Express Acquirer Link(s) – All Supported Regions

Details
Test Card Card Number
American Express
345678901234564

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
04 / 19
04 / 38
UNSPECIFIED_FAILURE
04 / 37
DECLINED
05 / 18
05 / 37
EXPIRED_CARD
11 / 19
11 / 38
ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
0000
MATCH
1111
NO_MATCH
2222
NOT_PROCESSED

 

Billing Address Street AVS Response Gateway Code
Alpha St
ADDRESS_MATCH
Mike St
ADDRESS_ZIP_MATCH
Uniform St
NOT_AVAILABLE
Kilo St
NAME_MATCH
November St
NO_MATCH
Zulu St
ZIP_MATCH
Romeo St
SERVICE_NOT_AVAILABLE_RETRY
Sierra St
SERVICE_NOT_SUPPORTED
Love St NAME_ZIP_MATCH
Olive St NAME_ADDRESS_MATCH
0 (Zero) St NOT_REQUESTED

First Data Acquirer Link(s) – United States

Details
Test Cards Card Number
Mastercard
5149612222222229
2223000000000007
Visa
4012000033330026
Discover
6011000991300009
Diners Club
36555500001111
JCB
3566007770017510

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
05 / 28
DECLINED
04 / 33
EXPIRED_CARD
01 / 38
ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
MATCH
111
NO_MATCH
222
NOT_PROCESSED
444
NOT_PRESENT
888
NOT_SUPPORTED

 

Billing Address Street AVS Response Gateway Code
Alpha St
ADDRESS_MATCH
Gamma St
NOT_VERIFIED
November St
NO_MATCH
Romeo St
SERVICE_NOT_AVAILABLE_RETRY
Sierra St
SERVICE_NOT_SUPPORTED
Uniform St
NOT_AVAILABLE
Wiskey St
ZIP_MATCH
X-ray St
ADDRESS_ZIP_MATCH

First Data Acquirer Link(s) – Australia

Details
Test Cards Card Number
Visa
4005550000000019
Mastercard
5123450000000008
2223000000000007
Diners Club
30123400000000

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
05 / 22
DECLINED
08 / 28
TIMED_OUT
04 / 27
EXPIRED_CARD

 

CSC/CVV CSC/CVV Response Gateway Code
100
MATCH
101
NOT_PROCESSED
102
NO_MATCH

 

Address Verification (AVS) is not currently supported by Australian banks.

Other Acquirer Link(s) – United States

Details
Test Cards Card Number
Mastercard
5123456789012346
2223000000000007
Visa
4012000033330026
Discover
6011000991300009
Diners Club
36409300000008
JCB
3566007770017510

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
09 / 28
UNSPECIFIED_FAILURE
01 / 28
DECLINED
08 / 29
TIMED_OUT
03 / 28
EXPIRED_CARD
09 / 29
ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
MATCH
111
NO_MATCH
222
NOT_PROCESSED
333
NOT_PRESENT
444
NOT_SUPPORTED

 

Billing Address Street AVS Response Gateway Code
Alpha St
ADDRESS_MATCH
Mike St
ADDRESS_ZIP_MATCH
Uniform St
NOT_AVAILABLE
Kilo St
NAME_MATCH
November St
NO_MATCH
Zulu St
ZIP_MATCH
Romeo St
SERVICE_NOT_AVAILABLE_RETRY
Sierra St
SERVICE_NOT_SUPPORTED
Love St NAME_ZIP_MATCH
Olive St NAME_ADDRESS_MATCH
0 (Zero) St NOT_REQUESTED

 

Acquirer Link(s) – United Kingdom

Details
Test Cards Card Number 3-D Secure Enrolled
Visa
4508750015741019 Yes
Visa Debit
4539791001730106 Yes
Mastercard
5123456789012346
2223000000000007
Yes
Maestro
6759010012345678914 Yes
Mastercard
5111111111111118
2223000000000023
No
Visa
4005550000000001 No
Merchants who are not implementing 3D-Secure can use any of the cards.

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
03 / 28
DECLINED
04 / 33
EXPIRED_CARD
01 / 37
ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
222
MATCH
444
NO_MATCH
111
NOT_PROCESSED
000
NOT_PRESENT

 

Billing Address Street AVS Response Gateway Code
Whiskey St
ADDRESS_MATCH
Juliet St
NO_MATCH
Alpha St
SERIVCE_NOT_SUPPORTED
X-ray St
ZIP_MATCH
Mike St
ADDRESS_ZIP_MATCH

Acquirer Link(s) - Mexico

Details
Test Cards Card Number 3-D Secure Enrolled
Visa
4012000033330026 No
Mastercard
5424180279791732
5200030000000004
2223000000000007
Yes
Visa
4002260000000000 No
Mastercard
2223000000000023 No
Merchants who are not implementing 3D-Secure can use any of the cards.

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
04 / 28
DECLINED
02 / 30
EXPIRED_CARD
03 / 31
ACQUIRER_SYSTEM_ERROR
01 / 30
INSUFFICIENT_FUNDS

 

  • Mexican banks do not currently support CSC/CVV matching. You can pass the CSC/CVV value and it will be processed by the issuer, but a specific match response will not be returned.
  • Address Verification (AVS) is not supported for all acquirers. Check with your payment service provider.

Acquirer Link(s) - France and Germany

Details
Test Cards Card Number 3-D Secure Enrolled
Mastercard
5123456789012346
2223000000000007
Yes

Visa
4012000033330026 No
JCB
3566007770017510 No
Maestro
6759010012345678914 Yes

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
01 / 28
DECLINED
08 / 29
TIMED_OUT
03 / 28
EXPIRED_CARD
09 / 29
ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
MATCH
111
NO_MATCH
222
NOT_PROCESSED
333
NOT_PRESENT
444
NOT_PRESENT

 

Billing Address Street AVS Response Gateway Code
Alpha St
ADDRESS_MATCH
X-ray St
ADDRESS_ZIP_MATCH
Uniform St
NOT_AVAILABLE
Whiskey St
ZIP_MATCH
November St
NO_MATCH

Acquirer Link(s) - Brazil

Details
Test Cards Card Number 3-D Secure Enrolled
Mastercard
5123456789012346
2223000000000007
Yes

Visa
4012000033330026 No
JCB
3566007770017510 No
Maestro
6759010012345678914 Yes

 

Expiry Date Transaction Response Gateway Code
05 / 21
APPROVED
01 / 28
DECLINED
08 / 29
TIMED_OUT
03 / 28
EXPIRED_CARD
09 / 29
ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
MATCH
111
NO_MATCH
222
NOT_PROCESSED
333
NOT_PRESENT
444
NOT_PRESENT

Gift Cards

Details

Test your integration using the test gift card numbers and response codes provided by your Payment Services Provider.

3D-Secure Authentication

You can test your integration for 3D-Secure Authentication via the MasterCard Payment Gateway. This is done through an ACS (Access Control Server) Emulator.

Details

Testing is supported for the following 3D-Secure Authentication schemes:

  • Mastercard SecureCode
  • Verified by Visa
  • American Express SafeKey
  • J/Secure
  • Diners ProtectBuy

To test the 3D-Secure Authentication functionality:

  1. Use a 3D-Secure Enrolled test card (see cards listed in the specific Acquirer sections) when submitting the CHECK_3DS_ENROLLMENT request for your Test Merchant Profile.
  2. Check that you receive a response with 3DSecure.veResEnrolled=Y.
  3. Use the form provided in 3DSecure.authenticationRedirect.simple.htmlBodyContent to redirect the payer's browser to the ACS Emulator page.

    The ACS Emulator redirects the payer's browser back to your website and contains the PARes.

  4. Submit a PROCESS_ACS_RESULT request with the PARes in 3DSecure.paRes.
  5. Use the ID for this 3D-Secure Authentication via the MasterCard Payment Gateway provided in 3DSecureId in a subsequent transaction request (e.g. PAY or AUTHORIZE).

Risk Management

If you are enabled for Risk Management you can trigger a specific Risk Gateway Response Code (risk.response.gatewayCode) using a specific value in the Billing Address Street field in the transaction request.

Details

The following is supported for the regions including United States, United Kingdom, Australia, Mexico, France, and Germany:

Billing Address Street Risk Gateway Response Code
ACCEPT
ACCEPTED
REVIEW
REVIEW_REQUIRED
REJECT
REJECTED
REVIEW_REQUIRED is only applicable if you are configured for Service Level 'Silver'.

Dynamic Currency Conversion

Rate Quote

If you are enabled for Dynamic Currency Conversion (DCC) you can submit a Rate Quote request using the RETRIEVE_PAYMENT_OPTIONS operation. Using your Test Merchant Profile you can trigger a RETRIEVE_PAYMENT_OPTIONS response with a specific exchange rate for a specific payer currency based on the card number and currency in the request.

Details

For the RETRIEVE_PAYMENT_OPTIONS operations to perform a rate quote, the request must contain the following:

  • Order currency.
  • Order amount.
  • Card number prefix.

The RETRIEVE_PAYMENT_OPTIONS response will provide:

  • Exchange rate.
  • Payer currency.
  • Payer amount.

The following test card numbers and corresponding currencies can be used in all regions.

Base Currency = USD (US Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
United States Dollar(USD)
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 1.11
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.60
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 13.24
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 61.45
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 1.27
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 7.88
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.73
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 7.76
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 102.67
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 2.32
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 32.32
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 3.27
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 1.10
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 1.19
         
Base Currency = AUD (Australian Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Australian Dollar (AUD)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.90
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.54
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 11.93
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 55.36
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 1.14
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 7.10
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.66
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 6.99
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 92.50
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 2.09
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 29.12
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 2.95
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.99
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 1.07
Base Currency = NZD (New Zealand Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
New Zealand Dollar (NZD)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.84
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.93
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.50
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 11.13
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 51.64
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 1.07
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 6.62
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.61
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 6.52
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 86.28
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 1.95
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 27.16
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 2.75
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.92
Base Currency = SGD (Singapore Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Singapore Dollar (SGD)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.79
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.87
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.47
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 10.43
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 48.39
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 6.20
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.57
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 6.11
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 80.84
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 1.83
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 25.45
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 2.57
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.87
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.94
Base Currency = HKD (Hongkong Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Hong Kong Dollar (HKD)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.13
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.14
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.077
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 1.71
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 7.92
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.16
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 1.02
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.094
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 13.23
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.30
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 4.16
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.42
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.14
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.15
Base Currency = MYR (Malaysian Ringgit)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Malaysian Ringgit (MYR)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.31
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.34
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.18
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 4.05
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 18.79
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.39
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 2.41
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.22
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 2.37
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 31.40
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.71
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 9.88
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.34
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.36
Base Currency = AED (UAE Dirham)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
United Arab Emirates Dirham (AED)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.27
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.30
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.16
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 3.58
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 16.61
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.34
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 2.13
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.20
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 2.10
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 27.75
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.63
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 8.74
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.88
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.30
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.32
Base Currency = QAR (Qatari Riyal)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Qatari Riyal (QAR)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.27
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.30
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.16
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 3.58
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 16.61
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.34
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 2.13
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.20
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 2.10
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 27.75
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.63
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 8.74
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.88
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.30
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.32
Base Currency = ZAR (South African Rand)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
South African Rand (ZAR)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.074
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.082
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.044
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 0.98
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 4.55
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.094
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 0.58
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.054
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 0.57
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 7.60
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.17
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 2.39
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.24
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.081
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.088
Base Currency = NGN (Nigerian Naira)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Nigerian Naira (NGN)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.0050
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.0056
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.0030
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 0.066
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 0.31
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.0064
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 0.039
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.0037
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 0.039
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 0.51
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.012
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 0.16
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.016
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.0055
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.0060
Base Currency = INR (Indian Rupee)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Indian Rupee (INR)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.016
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.018
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.010
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 0.22
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.021
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 0.13
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.012
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 0.13
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 1.67
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.038
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 0.53
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.053
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.018
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.019
Base Currency = IDR (Indonesian Rupiah)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Indonesian Rupiah (IDR)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.000069
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.0.000077
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.000041
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 0.00091
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 0.0042
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.000088
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 0.00054
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.000050
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 0.00054
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 0.0071
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.00016
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 0.0022 
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.00023
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.000076
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.00082
Base Currency = VND (Vietnamese Dong)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Vietnamese Dong (VND)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.000044
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.000049
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.000026
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 0.00058
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 0.0027
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.000056
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 0.00035
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.000032
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 0.00034
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 0.0045
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.00010
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 0.0014
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.00014
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.000048
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.000052
Base Currency = BHD (Bahraini Dinar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Bahraini Dinar (BHD)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 2.63
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 2.92
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 1.58
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 34.84
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 161.71
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 3.34
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 20.74
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 1.92
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 20.42
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 270.18
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 6.11
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 85.05
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 8.61
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 2.89
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 3.13
Base Currency = PKR (Pakistani Rupee)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Pakistani Rupee (PKR)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.0096
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.011
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.0058
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 0.13
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 0.59
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.012
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 0.076
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.0070
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 0.074
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 0.99
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.022
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 0.31
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.031
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.011
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.011
Base Currency = CNY (Chinese Yuan)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Chinese Yuan (CNY)
Visa
Mastercard
4000009999995865
5100049999999372
USD US Dollar 0.16
Visa
Mastercard
4532249999994172
5402159999995430
AUD Australian Dollar 0.18
Visa
Mastercard
4107859999994074
5420119999993940
GBP British Pound 0.10
Visa
Mastercard
4180779999996392
5288049999998964
MXN Mexican Peso 2.12
Visa
Mastercard
4629639999996751
5575549999995185
INR Indian Rupee 9.83
Visa
Mastercard
4119089999999842
5256399999998672
SGD Singapore Dollar 0.20
Visa
Mastercard
4923079999995763
5221379999994154
ARS Argentinian Peso 1.26
Visa
Mastercard
4907449999991296
5490019999991271
EUR Euro 0.12
Visa
Mastercard
4541879999990975
5410969999990342
HKD Hong Kong Dollar 1.24
Visa
Mastercard
4986689999994675
5438179999994611
JPY Japanese Yen 16.43
Visa
Mastercard
4984329999998374
5157439999991796
BRL Brazilian Real 0.37
Visa
Mastercard
4546239999992650
5434499999995101
THB Thai Baht 5.17
Visa
Mastercard
4563769999994205
5313359999999089
MYR Malaysian Ringgit 0.52
Visa
Mastercard
4523369999993056
5192699999999753
CAD Canadian Dollar 0.18
Visa
Mastercard
4761209999994625
5191639999996152
NZD New Zealand Dollar 0.19

The MasterCard Payment Gateway modifies the exchange rate by retaining the first 2 relevant, non-zero values (3.2 in case of MYR) and appending 9s to fill up to 6 significant values. This is to indicate that the returned exchange rate is for test purposes only.

Example: Successful Rate Quote Request

A RETRIEVE_PAYMENT_OPTIONS request for a Test merchant profile with:

  • Card Number: 5313359999999089 (currency of card is MYR)
  • Order Amount: 20 USD

Returns a response with:

  • Payer Currency: MYR
  • Payer Exchange Rate: 3.29999
  • Payer Amount: 20 * 3.29999 = 65.9998 MYR
  • Currency Conversion Gateway Response Code: QUOTE_PROVIDED

To test a negative scenario, provide a RETRIEVE_PAYMENT_OPTIONS request with:

  • A Card Number with a prefix for a valid DCC card type (Visa, Mastercard, or Maestro) that is not in the list of the DCC card numbers (see table above).
  • An Order Amount of 20 KWD, where KWD is a currency which is not in the list of DCC currencies (see table above).

The RETRIEVE_PAYMENT_OPTIONS response will contain the Currency Conversion Gateway Response Code NOT_ELIGIBLE.

DCC Transaction Processing

You can continue testing Authorize/Pay/Capture transactions using the DCC card numbers and the DCC information returned in the RETRIEVE_PAYMENT_OPTIONS response. However, the following is not supported for the DCC test card numbers:

  • Mod 10 check (the DCC test card numbers only pass a Mod 9 check).
  • Test transactions with 3D-Secure (DCC card numbers are not 3DS enrolled).

Automated Clearing House

The MasterCard Payment Gateway provides an emulator that will return a response with response.gatewayCode=APPROVED for all valid requests for Automated Clearing House payments.

Browser Payments

The MasterCard Payment Gateway provides a browser payment simulator to simulate the payment provider's website. For more details, see Testing Browser Payments.

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