generated: '2026-07-24'
method: searched
source: https://guides.gitbook.io/integrationguide/references/feature-references/integration-testing
note: >-
  Cardstream test Merchant Accounts connect to a Simulator (not a live acquirer)
  and to a 3-D Secure Product Integration Testing (PIT) system. Test Merchant
  Account IDs are issued during onboarding. All values below are published
  verbatim in the integration guide's Integration Testing section and are for the
  Simulator only - test cards are rejected on production accounts (responseCode
  65566), and production cards return 66311 on test accounts.
modes:
  test: Simulator + 3DS PIT; test Merchant Account IDs issued at onboarding
  live: real acquirer + production 3DS
  separation: separate test vs live Merchant Account IDs
test_amount_triggers:
  note: >-
    On test accounts the minor-unit transaction amount selects the simulated
    authorisation and settlement outcome. Any amount outside these ranges returns
    responseCode 66311 (Invalid Test Amount).
  ranges:
    - {min_minor: 100, max_minor: 2499, auth: "0 (AUTH CODE)", settlement: ACCEPTED}
    - {min_minor: 2500, max_minor: 4999, auth: "0 (AUTH CODE)", settlement: REJECTED}
    - {min_minor: 5000, max_minor: 7499, auth: "1 CARD REFERRED then 0 AUTHCODE", settlement: ACCEPTED}
    - {min_minor: 7500, max_minor: 9999, auth: "1 CARD REFERRED then 0 AUTHCODE", settlement: REJECTED}
    - {min_minor: 10000, max_minor: 14999, auth: "5 CARD DECLINED", settlement: N/A}
    - {min_minor: 15000, max_minor: 19999, auth: "4 CARD DECLINED - KEEP CARD", settlement: N/A}
    - {min_minor: 20000, max_minor: 24999, auth: "65 SCA REQUIRED then 0 AUTH CODE", settlement: ACCEPTED}
    - {min_minor: 25000, max_minor: 29999, auth: "65 SCA REQUIRED then 5 CARD DECLINED", settlement: N/A}
  sca_soft_decline_range: "20000-29999 (eligible transactions return responseCode 65 SCA REQUIRED)"
  amount_override: >-
    Set the Cardholder Name to 'Test [N]' where N is the pounds value to trigger
    (e.g. 'Test [20]' triggers the 100-2499 minor-unit ACCEPTED range regardless
    of the submitted amount).
test_card_expiry: December of the current year (two-digit), unless simulating 3DS status via expiry month
test_cards:
  - {scheme: Visa Credit, number: "4929 4212 3460 0821", cvv: "356"}
  - {scheme: Visa Credit, number: "4543 0599 9999 9982", cvv: "110", note: "no 3DS Method Data"}
  - {scheme: Visa Credit, number: "4543 0599 9999 9990", cvv: "689", note: "no 3DS Method Data"}
  - {scheme: Visa Debit, number: "4539 7910 0173 0106", cvv: "289"}
  - {scheme: Visa Debit, number: "4462 0000 0000 0003", cvv: "672"}
  - {scheme: Electron, number: "4917 4800 0000 0008", cvv: "009"}
  - {scheme: Mastercard Credit, number: "5301 2500 7000 0191", cvv: "419"}
  - {scheme: Mastercard Credit, number: "5413 3390 0000 1000", cvv: "304"}
  - {scheme: Mastercard Credit, number: "5434 8499 9999 9951", cvv: "470", note: "no 3DS Method Data"}
  - {scheme: Mastercard Credit, number: "5434 8499 9999 9993", cvv: "557", note: "no 3DS Method Data"}
  - {scheme: Mastercard Debit, number: "5573 4712 3456 7898", cvv: "159"}
  - {scheme: JCB, number: "3540 5999 9999 1047", cvv: "209"}
  - {scheme: American Express, number: "3742 4545 5400 001", cvv: "4887"}
  - {scheme: Diners Club, number: "3643 2685 2602 94", cvv: "111", note: "AVS not supported; use a MID with AVS off"}
threeds2_simulation:
  system: 3-D Secure Product Integration Testing (PIT)
  frictionless_status_by_expiry_month:
    - {month: "01", status: Y, meaning: Fully authenticated}
    - {month: "02", status: N, meaning: Not authenticated}
    - {month: "03", status: U, meaning: Unknown authentication status}
    - {month: "04", status: A, meaning: Attempted authentication}
    - {month: "05", status: D, meaning: Decoupled authentication}
    - {month: "06", status: R, meaning: Transaction rejected}
    - {month: "07", status: E, meaning: Unknown error performing 3DS checks}
    - {month: "08", status: E, meaning: Error - Directory Server timeout}
    - {month: "09", status: E, meaning: Error - corrupt Directory Server response}
    - {month: "10", status: I, meaning: Information only}
    - {month: "11", status: U, meaning: Cardholder not enrolled (error 13)}
    - {month: "12", status: C, meaning: Frictionless not possible - challenge cardholder}
  note: Expiry month 12 simulates the challenge (non-frictionless) flow.
apm_sandboxes:
  - {method: PayPal, note: contact support for a PayPal test Merchant account linked to your PayPal sandbox}
  - {method: Amazon Pay, note: contact support for an Amazon Pay test Merchant account linked to your Amazon Pay sandbox}