Test Scenarios

You can simulate different payment scenarios with the following test cards to ensure that your integration is working as expected.

Schema	Test 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. Pop-up 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. Pop-up 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. Pop-up 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. Pop-up page will be generated but 3DS will complete without requiring OTP.
Mastercard	5200000000001005	3DS EMV 2.0 Frictionless	✅	Card is enrolled in 3DS EMV 2.0 and will trigger frictionless flow. Pop-up page will be generated but 3DS will complete without requiring OTP.
VISA	4000000000000010	3DS Enabled	✅ only successful if 3DS is skipped	Card is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication.
Mastercard	5200000000000015	3DS Enabled	✅ only successful if 3DS is skipped	Card is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication.
AMEX	340000000006022	3DS Enabled	✅ only successful if 3DS is skipped	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 successful if 3DS is skipped	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 successful if 3DS is skipped	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 Enabled	✅ Safe Acceptance	Card is enrolled in 3DS and can be used to test the authentication flow. This card only works for BCA PG MIDs.

For Malaysia-based Businesses

Schemes	Test Card Number	Expiry Date	CVV	Expected Behavior
Visa	4508750015741019	01/39	100	Successful transaction
Visa	4012000033330026	08/28	101	Failed transaction - Timeout error
Mastercard	5123450000000008	01/39	100	Successful transaction
Mastercard	5123450000000008	05/37	100	Failed transaction - Unknown error
JCB	3528111100000001	01/39	100	Successful transaction
JCB	3528000000000007	02/37	101	Failed transaction - Unknown error
AMEX	345678901234564	01/39	1000	Successful transaction

Simulating Failed Charge Transactions

Enter these test amounts in the “amount” parameter to simulate failed payment scenarios in your charge requests.

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 mismatched 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. To test installments, make sure that the transaction amount is 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 2025-05-02

For Malaysia-based Businesses
- Simulating Failed Charge Transactions
- Installment Testing Cards