Test Scenarios

Before accepting real payment, you can use testing cards in this section to satisfy the testing requirements and scenarios for you to simulate different process results in development mode.

Authentication and Charge Testing Cards

Simulating Failed Charge Transactions

Schema	Card Number	3DS Case	Charge	Expected Behavior
VISA	4000000000001091	3DS EMV 2.0 Challenge	✅	Card is enrolled in 3DS EMV 2.0 and will trigger challenge flow. Popup page will be generated and OTP will be requested.
Mastercard	5200000000002151	3DS EMV 2.0 Challenge	✅	Card is enrolled in 3DS EMV 2.0 and will trigger challenge flow. Popup page will be generated and OTP will be requested.
JCB	3337000000200004	3DS EMV 2.0 Challenge	✅	Card is enrolled in 3DS EMV 2.0 and will trigger challenge flow. Popup page will be generated and OTP will be requested.
AMEX	340000000001098	3DS EMV 2.0 Challenge	✅	Card is enrolled in 3DS EMV 2.0. The OTP page will be generated, without rendering and with auto success.Simulated in test mode.Note: this is for testing in development only. AMEX cards are only usable with certain acquirers. In Indonesia, you must have your own Merchant ID with BCA to accept AMEX cards.
VISA	4000000000001000	3DS EMV 2.0 Frictionless	✅	Card is enrolled in 3DS EMV 2.0 and will trigger frictionless flow. Popup page will be generated but 3DS will complete without requiring OTP.
Mastercard	5200000000001005 5453010000095323 (For MY Merchants only)	3DS EMV 2.0 Frictionless	✅	Card is enrolled in 3DS EMV 2.0 and will trigger frictionless flow. Popup page will be generated but 3DS will complete without requiring OTP.
VISA	4000000000000010	3DS Enabled	✅ only success if skip 3DS	Card is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication
Mastercard	5200000000000015	3DS Enabled	✅ only success if skip 3DS	Card is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication
AMEX	340000000006022	3DS Enabled	✅ only success if skip 3DS	Card is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication. Note: this is for testing in development only. AMEX cards are only usable with certain acquirers. In Indonesia, you must have your own Merchant ID with BCA to accept AMEX cards.
VISA	4000000000001075	3DS Enabled	✅ only success if skip 3DS	Card is enrolled in 3DS but will fail due to timeout during the 3DS request. Useful for handling 3DS timeouts in your system.
Mastercard	5200000000001070	3DS Enabled	✅ only success if skip 3DS	Card is enrolled in 3DS but will fail due to timeout during the 3DS request. Useful for handling 3DS timeouts in your system.
BCA Card	1889800000000171	3DS EnabledSafe Acceptance	✅ Safe Acceptance	Card is enrolled in 3DS and can be used to test the authentication flow. This card only works for BCA PG MIDs.

You can use these test amounts in the “amount” param in Charge requests to simulate the different reasons for failed charges.

Magic Amount	Failure Reason	Definition
10051	EXPIRED_CARD	The card you are trying to capture has expired.
10052	ISSUER_SUSPECT_FRAUD	The card you are trying to capture has been declined by the issuing bank due to potential fraud suspicion.
10053	DECLINED_BY_PROCESSOR	The card you are trying to capture has been declined by the processor.
10054	INSUFFICIENT_BALANCE	The card you are trying to capture does not have enough balance to complete the capture.
10055	STOLEN_CARD	The card you are trying to capture has been marked as stolen.
10056	INACTIVE_OR_UNAUTHORIZED_CARD	The card you are trying to capture is inactive or unauthorized to perform the transaction.
10057	PROCESSOR_ERROR	The charge failed because there's an integration issue between the card processor and the bank.
10058	INVALID_CVV	The card you are trying to capture is declined due to unmatched CVV
10059	DECLINED_BY_ISSUER	The card you are trying to capture is declined by the issuing bank

Installment Testing Cards

Installments are currently only available in Indonesia. For testing installments, make sure that the transaction amount is more or equal to at least IDR 500,000.

Issuing	Scheme	Card Number	Installment Options (Tenor)
BRI	Mastercard	5454545454545454	3, 6, 12
BRI	VISA	4000000000001091	3, 6, 12
BRI	JCB	3337000000200004	3, 6, 12
BNI	Mastercard	5200000000001096	3, 6, 12
BNI	JCB	3338000000000569	3, 6, 12

Example of Get Charge Option API response object that support installment plan:

[
  {
    "count": 3,
    "interval": "month",
    "minimum_amount": 500000,
    "acquirer": "BRI",
    "currency": "IDR",
    "description": "0%, 3 x IDR 333333.33",
    "installment_amount": 333333.33
  },
  {
    "count": 6,
    "interval": "month",
    "minimum_amount": 500000,
    "acquirer": "BRI",
    "currency": "IDR",
    "description": "0%, 6 x IDR 166666.67",
    "installment_amount": 166666.67
  },
  {
    "count": 12,
    "interval": "month",
    "minimum_amount": 500000,
    "acquirer": "BRI",
    "currency": "IDR",
    "description": "0%, 12 x IDR 83333.33",
    "installment_amount": 83333.33
  }
]

Last Updated on 2024-02-02

Authentication and Charge Testing Cards
Simulating Failed Charge Transactions
Installment Testing Cards