generated: '2026-07-25'
method: searched
source: https://developers.beopen.com/docs/test-data
note: >-
  Open takes card payment for premiums inside its hosted purchase journey, and
  its testing documentation publishes a decline-code table with a `decline_code`
  attribute — the same vocabulary the card-processing layer emits. These are the
  values a partner can force in the sandbox with the listed test cards; Open does
  NOT publish a full production decline-code registry, so this is the documented
  subset, verbatim. Card declines are surfaced to the customer inside Open's
  hosted journey, not returned over the one public REST operation.
envelope:
  field: decline_code
  accompanying_status: card_declined
  documented_http_status: 422
  documented_http_meaning: Velocity rules violation or non-sufficient funds
  surface: >-
    Open-hosted (optionally white-labelled) purchase journey — portal.beopen.com /
    insurance.beopen.com. Not exposed on /v1/policy/coc.
decline_codes:
- code: card_declined
  meaning: Generic card decline with no more specific reason published.
  action: Ask the customer for another payment method.
  test_card: '4000 0000 0000 0002'
- code: insufficient_funds
  meaning: The card has insufficient funds to cover the premium payment.
  action: >-
    Ask the customer to use another card, or offer monthly rather than upfront
    payment frequency.
  test_card: '4000 0000 0000 9995'
- code: lost_card
  meaning: The card has been reported lost.
  action: >-
    Do not reveal the reason to the customer. Ask for an alternative payment
    method.
  masked_to_buyer: true
  test_card: '4000 0000 0000 9987'
- code: stolen_card
  meaning: The card has been reported stolen.
  action: >-
    Do not reveal the reason to the customer. Ask for an alternative payment
    method.
  masked_to_buyer: true
  test_card: '4000 0000 0000 9979'
- code: expired_card
  meaning: The card expiry date has passed.
  action: Ask the customer to re-enter the card with a valid expiry date.
  test_card: '4000 0000 0000 0069'
- code: incorrect_CVC
  meaning: The CVC supplied did not match the card.
  action: >-
    Ask the customer to re-enter the CVC. Note the docs state verification checks
    only run when the required information is provided — cvc_check only fails when
    a CVC is supplied.
  test_card: '4000 0000 0000 0127'
- code: processing_error
  meaning: An error occurred while processing the card.
  action: Retry the payment; if it repeats, ask for an alternative payment method.
  test_card: '4000 0000 0000 0119'
verification_checks:
- name: cvc_check
  note: >-
    Documented as only running when a CVC is provided; forced to fail with test
    card 4000 0000 0000 0127.
successful_test_cards:
- number: '4000 0003 6000 0006'
  brand: Visa (AUS)
  note: Australian test card - charges AUD
- number: '4242 4242 4242 4242'
  brand: Visa (US)
- number: '4000 0566 5566 5556'
  brand: Visa (debit)
- number: '5555 5555 5555 4444'
  brand: Mastercard
- number: '5200 8282 8282 8210'
  brand: Mastercard (debit)
related:
- errors/open-insurance-problem-types.yml
- sandbox/open-insurance-sandbox.yml