To facilitate testing of card transactions, we provide a range of test card numbers. These numbers vary based on the country of operation and your live connection. For specific guidance on which test card numbers to use for your integration, please contact Xendit Customer Support.
Test card numbers
The following tables detail the available test card numbers, their brands, applicable countries, and simulated scenarios.
Card Number | Brand | Countries | Scenario |
|---|---|---|---|
4000000000002503 | VISA | Indonesia, Malaysia | 3DS Challenge, authentication is successful if OTP is correct. |
4000000000001000 | VISA | Indonesia, Malaysia | 3DS Frictionless, authentication is successful. |
5200000000002151 | MASTERCARD | Indonesia, Malaysia | 3DS Challenge, authentication is successful if OTP is correct. |
5200000000001005 | MASTERCARD | Indonesia, Malaysia | 3DS Frictionless, authentication is successful. |
4440000009900010 | VISA | Indonesia, Malaysia | 3DS Challenge, see list of simulated options on the next table. |
4440000042200014 | VISA | Malaysia | 3DS Frictionless, authentication is successful. |
5123450000000008 | MASTERCARD | Malaysa | 3DS Challenge, see list of simulated options on the next table. |
5123456789012346 | MASTERCARD | Malaysia | 3DS Frictionless, authentication is successful. |
4200350000000801 | VISA | Thailand | 3DS Challenge, authentication is successful if OTP is correct. For frictionless flow, use amount < THB 20. |
5413530000000501 | MASTERCARD | Thailand | 3DS Challenge, authentication is successful if OTP is correct. For frictionless flow, use amount < THB 20. |
4000000000002503 | VISA | Thailand | Failing transaction |
5200000000002151 | MASTERCARD | Thailand | Failing transaction |
Simulating failed charge payments by amount
You can simulate specific failed charge payment scenarios using these amounts. Simulated numbers are applicable for all countries except Vietnam.
Amount | Simulated code | Applicable country | Scenario |
|---|---|---|---|
10051 | EXPIRED_CARD | ||
10052 | ISSUER_SUSPECT_FRAUD | ||
10053 | DECLINED_BY_PROCESSOR | ||
10054 | INSUFFICIENT_BALANCE | ||
10055 | STOLEN_CARD | ||
10056 | INACTIVE_OR_UNAUTHORIZED_CARD | ||
10057 | PROCESSOR_ERROR | ||
10058 | INVALID_CVV | ||
10059 | DECLINED_BY_ISSUER |
Simulate a 3DS challenge authentication flow result
To test different outcomes for 3DS challenge flows:
Create a token request with
should_authenticate = true.Navigate to the URL provided by
payer_authentication_url.On the MPGS ACS Simulator page, select one of the following options:
Authentication option | Status | Scenario |
|---|---|---|
AUTHENTICATED | SUCCESS | Authentication is successful. |
UNAUTHENTICATED | FAILED | Authentication is unsuccessful. |
CANCELLED_AUTHENTICATION | FAILED | |
AUTHENTICATION_NOT_AVAILABLE | FAILED | |
AUTHENTICATION_REJECTED | FAILED | |
AUTHENTICATION_SERVER_ERROR | FAILED | |
API_GW_ASM_POLICY_ERROR | FAILED |
Test cards for authentication flow
These cards are specifically for simulating 3DS challenge authentication results:
Card number | Brand | Scenario |
|---|---|---|
4200350000000801 | VISA | 3DS Challenge, authentication is successful if OTP is correct. For frictionless flow, use amount < THB 20. |
5413530000000501 | MASTERCARD | 3DS Challenge, authentication is successful if OTP is correct. For frictionless flow, use amount < THB 20. |
Simulate a FAILED Charge Payment
Amount | Simulated code | Scenario |
|---|---|---|
10.05 | DECLINED_BY_ISSUER | 05 - Do Not Honor |
10.14 | INVALID_CARD | 14 - Invalid card number |
10.30 | PROCESSOR_ERROR | 30 - Format Error |
10.51 | INSUFFICIENT_BALANCE | 51 - Insufficient Balance |
10.65 | DECLINED_BY_ISSUER | 65 - Exceeds Withdrawal. Only applicable for VISA Cards only. |
BCA payment gateway test cards
For testing BCA payment gateway integrations:
Card Number | Brand | Scenario |
|---|---|---|
1889800000000171 | BCA | 3DS Challenge, authentication is successful if OTP is correct. |
Note: BCA does not support the testing of failing transactions.