generated: '2026-07-23'
method: searched
source: >-
  https://developer.moneris.com/moneris-api/docs/getting-started-guide,
  https://developer.moneris.com/moneris-api/docs/simulator
notes: >-
  Moneris publishes a full sandbox environment with a deterministic "Penny Value
  Simulator": the cent value of the transaction amount selects the authorization
  response code, so integrators can force approvals and specific declines without
  real cards. Third parties get full sandbox access with no merchant account; a
  test Merchant ID is issued from the Developer Portal Access & Credentials page.
  All values below are published by Moneris verbatim.
environments:
  sandbox:
    api_base: https://api.sb.moneris.io
    mcp: https://mcp.sb.moneris.io/
    access: Full sandbox access granted to any Developer Portal account, no merchant account required.
  production:
    api_base: https://api.moneris.io
    mcp: https://mcp.moneris.io/
    access: Requires a recognized Moneris Merchant account tied to the same email.
credentials:
  test_merchant_id: Issued per account from Access & Credentials (developer-account.moneris.com).
  oauth_token_url: /oauth2/token (grant_type=client_credentials)
  api_key_header: X-Api-Key
penny_value_simulator:
  rule: The transaction cent value determines the response code in sandbox.
  docs: https://developer.moneris.com/moneris-api/docs/simulator
  visa_examples:
    - amount_cents: 0.00
      code: 00/027
      result: Approved
    - amount_cents: 0.05
      code: 05/481
      result: Declined
    - amount_cents: 0.51
      code: 51/481
      result: Declined - low funds
    - amount_cents: 0.54
      code: 54/482
      result: Declined - expired card
    - amount_cents: 0.68
      code: 68/113
      result: System timeout
    - amount_cents: 0.91
      code: 01/027
      result: Approved after 5 second delay
  visa_amount_bands:
    - band: $11.00-$50.99
      result: Approved
    - band: $51.00-$60.00
      result: Declined 41/421 (hold/call/capture)
    - band: $60.01-$119.99
      result: Approved
    - band: $120.00-$130.00
      result: Declined 54/482 (expired card)
    - band: $130.01 and above
      result: Approved
  amex_note: For Amex, decline simulation amounts must be exact (e.g. $5.00 -> 50/438 declined); any even .00 amount except $5.00 approves.
test_cards:
  always_approved_visa:
    - '4502285070000007'
    - '4924190000003750'
    - '4551210032790206'
    - '4924190000000145'
    - '4524000000015080'
  always_declined_visa:
    - number: '4355310002576375'
      iso_decline: '54'
    - number: '4716091243227333'
      iso_decline: '62'
    - number: '4556462273286718'
      iso_decline: '06'
    - number: '4217048416210847'
      iso_decline: '96'
    - number: '4485621544903528'
      iso_decline: '51'
caveats:
  - Simulator responses may change without notice; not designed for load testing.
  - Moneris asks for a >=2 second pause between simulator requests.