Acquirer Link(s)
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.
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:
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.
Use the standard test data unless specific test details for your acquirer and region are provided in the sections below.
| 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 |
|---|---|
01 / 39 |
APPROVED |
05 / 39 |
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 |
|---|---|
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 |
Whiskey St |
ZIP_MATCH |
X-ray St |
ADDRESS_ZIP_MATCH |
| Kilo St | NAME_MATCH |
| Oscar St | NAME_ADDRESS_MATCH |
| Lima St | NAME_ZIP_MATCH |
| 0 (Zero) St | NOT_REQUESTED |
For more details on 3-D Secure authentication, see Implementing a 3DS Integration.
| Test Card | Card Number |
|---|---|
American Express |
345678901234564 |
| Expiry Date | Transaction Response Gateway Code |
|---|---|
01 / 39 |
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 |
| Test Cards | Card Number |
|---|---|
Mastercard |
5149612222222229 2223000000000007 |
Visa |
4012000033330026 |
Discover |
6011000991300009 |
Diners Club |
36555500001111 |
JCB |
3566007770017510 |
| Expiry Date | Transaction Response Gateway Code |
|---|---|
01 / 39 |
APPROVED |
05 / 28 |
DECLINED |
06 / 33 |
EXPIRED_CARD |
| 10 / 37 | TIMED_OUT |
06 / 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 |
| Test Cards | Card Number |
|---|---|
Visa |
4005550000000019 |
Mastercard |
5123450000000008 2223000000000007 |
Diners Club |
30123400000000 |
| Expiry Date | Transaction Response Gateway Code |
|---|---|
01 / 39 |
APPROVED |
05 / 39 |
DECLINED |
08 / 28 |
TIMED_OUT |
04 / 27 |
EXPIRED_CARD |
| CSC/CVV | CSC/CVV Response Gateway Code |
|---|---|
100 |
MATCH |
101 |
NOT_PROCESSED |
102 |
NO_MATCH |
| Test Cards | Card Number |
|---|---|
Mastercard |
5123456789012346 2223000000000007 |
Visa |
4012000033330026 |
Discover |
6011000991300009 |
Diners Club |
36409300000008 |
JCB |
3566007770017510 |
| Expiry Date | Transaction Response Gateway Code |
|---|---|
01 / 39 |
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_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 |
| 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 |
| Expiry Date | Transaction Response Gateway Code |
|---|---|
01 / 39 |
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 |
| Test Cards | Card Number | 3-D Secure Enrolled |
|---|---|---|
Visa |
4012000033330026 | No |
Mastercard |
5424180279791732 5200030000000004 2223000000000007 |
Yes
|
Visa |
4002260000000000 | No |
Mastercard |
2223000000000023 | No |
| Expiry Date | Transaction Response Gateway Code |
|---|---|
01 / 39 |
APPROVED |
04 / 28 |
DECLINED |
02 / 30 |
EXPIRED_CARD |
03 / 31 |
ACQUIRER_SYSTEM_ERROR |
01 / 30 |
INSUFFICIENT_FUNDS |
| 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 |
|---|---|
01 / 39 |
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 |
| 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 |
|---|---|
01 / 39 |
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 |
Test your integration using the test gift card numbers and response codes provided by your payment service provider.
For details on how to test 3-D Secure authentication functionality using a 3DS emulator, see Test 3DS Integration.
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.
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'.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.
For the RETRIEVE_PAYMENT_OPTIONS operations to perform a rate quote, the request must contain the following:
The RETRIEVE_PAYMENT_OPTIONS response will provide:
The following test card numbers and corresponding currencies can be used in all regions.
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency United States Dollar(USD) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 1.11 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.60 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 13.24 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 61.45 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 1.27 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 7.88 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.73 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 7.76 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 102.67 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 2.32 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 32.32 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 3.27 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 1.10 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 1.19 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Australian Dollar (AUD) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.90 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.54 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 11.93 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 55.36 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 1.14 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 7.10 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.66 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 6.99 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 92.50 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 2.09 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 29.12 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 2.95 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.99 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 1.07 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency New Zealand Dollar (NZD) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.84 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.93 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.50 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 11.13 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 51.64 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 1.07 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 6.62 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.61 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 6.52 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 86.28 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 1.95 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 27.16 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 2.75 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.92 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Singapore Dollar (SGD) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.79 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.87 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.47 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 10.43 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 48.39 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 6.20 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.57 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 6.11 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 80.84 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 1.83 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 25.45 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 2.57 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.87 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.94 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Hong Kong Dollar (HKD) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.13 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.14 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.077 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 1.71 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 7.92 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.16 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 1.02 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.094 | Frictionless success |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 13.23 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.30 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 4.16 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.42 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.14 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.15 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Malaysian Ringgit (MYR) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.31 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.34 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.18 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 4.05 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 18.79 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.39 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 2.41 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.22 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 2.37 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 31.40 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.71 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 9.88 | Frictionless success |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.34 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.36 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency United Arab Emirates Dirham (AED) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.27 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.30 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.16 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 3.58 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 16.61 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.34 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 2.13 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.20 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 2.10 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 27.75 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.63 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 8.74 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.88 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.30 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.32 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Qatari Riyal (QAR) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.27 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.30 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.16 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 3.58 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 16.61 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.34 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 2.13 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.20 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 2.10 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 27.75 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.63 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 8.74 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.88 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.30 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.32 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency South African Rand (ZAR) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.074 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.082 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.044 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 0.98 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 4.55 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.094 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 0.58 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.054 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 0.57 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 7.60 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.17 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 2.39 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.24 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.081 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.088 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Nigerian Naira (NGN) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.0050 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.0056 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.0030 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 0.066 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 0.31 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.0064 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 0.039 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.0037 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 0.039 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 0.51 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.012 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 0.16 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.016 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.0055 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.0060 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Indian Rupee (INR) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.016 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.018 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.010 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 0.22 | 3DS2 - Challenge |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.021 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 0.13 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.012 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 0.13 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 1.67 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.038 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 0.53 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.053 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.018 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.019 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Indonesian Rupiah (IDR) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.000069 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.0.000077 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.000041 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 0.00091 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 0.0042 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.000088 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 0.00054 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.000050 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 0.00054 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 0.0071 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.00016 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 0.0022 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.00023 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.000076 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.00082 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Vietnamese Dong (VND) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.000044 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.000049 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.000026 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 0.00058 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 0.0027 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.000056 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 0.00035 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.000032 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 0.00034 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 0.0045 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.00010 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 0.0014 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.00014 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.000048 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.000052 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Bahraini Dinar (BHD) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 2.63 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 2.92 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 1.58 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 34.84 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 161.71 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 3.34 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 20.74 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 1.92 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 20.42 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 270.18 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 6.11 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 85.05 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 8.61 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 2.89 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 3.13 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Pakistani Rupee (PKR) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.0096 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.011 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.0058 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 0.13 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 0.59 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.012 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 0.076 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.0070 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 0.074 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 0.99 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.022 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 0.31 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.031 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.011 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.011 | Frictionless success |
| Test Cards | Card Number | Currency | Currency Name | Exchange Rate for Base Currency Chinese Yuan (CNY) |
Test Outcome in Payer Authentication |
|---|---|---|---|---|---|
Mastercard |
5100049999999372 | USD | US Dollar | 0.16 | Frictionless success |
Visa Mastercard |
4532249999994172 5402159999995430 |
AUD | Australian Dollar | 0.18 | Frictionless success |
Visa Mastercard |
4107859999994074 5420119999993940 |
GBP | British Pound | 0.10 | Frictionless success Fallback to 3DS1 |
Visa Mastercard |
4180779999996392 5288049999998964 |
MXN | Mexican Peso | 2.12 | 3DS2 - Challenge |
Visa Mastercard |
4629639999996751 5575549999995185 |
INR | Indian Rupee | 9.83 | 3DS2 Authentication Attempted or Fallback to 3DS1 for markets with 3DS1 extension |
Visa |
4119089999999842 | SGD | Singapore Dollar | 0.20 | Frictionless success |
Visa Mastercard |
4923079999995763 5221379999994154 |
ARS | Argentinian Peso | 1.26 | Frictionless success |
Visa Mastercard |
4907449999991296 5490019999991271 |
EUR | Euro | 0.12 | Frictionless success |
Visa Mastercard |
4541879999990975 5410969999990342 |
HKD | Hong Kong Dollar | 1.24 | Frictionless decline |
Visa Mastercard |
4986689999994675 5438179999994611 |
JPY | Japanese Yen | 16.43 | Frictionless decline |
Mastercard |
5157439999991796 | BRL | Brazilian Real | 0.37 | Frictionless success |
Visa Mastercard |
4546239999992650 5434499999995101 |
THB | Thai Baht | 5.17 | Frictionless success |
Visa Mastercard |
4563769999994205 5313359999999089 |
MYR | Malaysian Ringgit | 0.52 | Frictionless decline |
Visa Mastercard |
4523369999993056 5192699999999753 |
CAD | Canadian Dollar | 0.18 | Frictionless success |
Visa Mastercard |
4761209999994624 5191639999996152 |
NZD | New Zealand Dollar | 0.19 | Frictionless success |
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:
Returns a response with:
QUOTE_PROVIDEDTo test a negative scenario, provide a RETRIEVE_PAYMENT_OPTIONS request with:
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 Payment Options Inquiry response. However, the following is not supported for the DCC test card numbers:
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.
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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