generated: '2026-07-17'
method: searched
source: https://docs.aghanim.com/checkout/test-payments
notes: >-
  Aghanim is a Merchant-of-Record payments platform. Its sandbox documents test
  cards that trigger specific decline `Response code`s on card payments. These
  are the published decline scenarios; the full production decline-code registry
  is not exhaustively documented, so this captures the documented/testable set.
  Complements errors/aghanim-problem-types.yml (API-level validation errors).
envelope_field: response code
masked_to_buyer: true
decline_codes:
  - code: "16"
    meaning: Payment declined
    action: Generic decline; ask buyer to retry or use a different payment method.
    test_card: "4832 2850 6160 9015"
  - code: "2051"
    meaning: Insufficient funds
    action: Buyer's account lacks funds; suggest an alternative card or method.
    test_card: "4211 1272 6211 2418"
  - code: "3041"
    meaning: Lost card
    action: Card reported lost; do not retry; buyer must use a different card.
    test_card: "4411 5883 2171 3124"
  - code: "3043"
    meaning: Stolen card
    action: Card reported stolen; do not retry; buyer must use a different card.
    test_card: "4178 1318 2730 9866"
  - code: "2054"
    meaning: Expired card
    action: Card expired; prompt buyer for a current card.
    test_card: "4867 0537 1696 5705"
dispute_scenarios:
  - status: chargeback
    trigger: Dispute lost (payment moves from succeeded to chargeback)
    reason: Fraudulent
    test_card: "4000 0000 0000 0267"
  - status: succeeded
    trigger: Dispute won (payment returns to succeeded)
    reason: Product not received
    test_card: "4000 0000 0000 2685"