Test Scenarios

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

SchemaTest Card Number3DS CaseChargeExpected Behavior
VISA40000000000010913DS 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.
Mastercard52000000000021513DS 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.
JCB33370000002000043DS 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.
AMEX3400000000010983DS 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.
VISA40000000000010003DS 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 - 5453010000095323 ((for Malaysia-based businesses))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.
VISA40000000000000103DS Enabled✅ only successful if 3DS is skippedCard is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication.
Mastercard52000000000000153DS Enabled✅ only successful if 3DS is skippedCard is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication.
AMEX3400000000060223DS Enabled✅ only successful if 3DS is skippedCard 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.
VISA40000000000010753DS Enabled✅ only successful if 3DS is skippedCard is enrolled in 3DS but will fail due to timeout during the 3DS request. Useful for handling 3DS timeouts in your system.
Mastercard52000000000010703DS Enabled✅ only successful if 3DS is skippedCard is enrolled in 3DS but will fail due to timeout during the 3DS request. Useful for handling 3DS timeouts in your system.
BCA Card18898000000001713DS Enabled✅ Safe AcceptanceCard is enrolled in 3DS and can be used to test the authentication flow. This card only works for BCA PG MIDs.

Simulating Failed Charge Transactions

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

Magic AmountFailure ReasonDefinition
10051EXPIRED_CARDThe card you are trying to capture has expired.
10052ISSUER_SUSPECT_FRAUDThe card you are trying to capture has been declined by the issuing bank due to potential fraud suspicion.
10053DECLINED_BY_PROCESSORThe card you are trying to capture has been declined by the processor.
10054INSUFFICIENT_BALANCEThe card you are trying to capture does not have enough balance to complete the capture.
10055STOLEN_CARDThe card you are trying to capture has been marked as stolen.
10056INACTIVE_OR_UNAUTHORIZED_CARDThe card you are trying to capture is inactive or unauthorized to perform the transaction.
10057PROCESSOR_ERRORThe charge failed because there's an integration issue between the card processor and the bank.
10058INVALID_CVVThe card you are trying to capture is declined due to mismatched CVV.
10059DECLINED_BY_ISSUERThe 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.

IssuingSchemeCard NumberInstallment Options (Tenor)
BRIMastercard54545454545454543, 6, 12
BRIVISA40000000000010913, 6, 12
BRIJCB33370000002000043, 6, 12
BNIMastercard52000000000010963, 6, 12
BNIJCB33380000000005693, 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 2024-04-30