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List of Testing Cards

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

SchemaCard Number3DS CaseChargeExpected Behavior
VISA40000000000010913DS EMV 2.0 ChallengeCard is enrolled in 3DS EMV 2.0 and will trigger challenge flow. Popup page will be generated and OTP will be requested.
Mastercard52000000000010963DS EMV 2.0 ChallengeCard is enrolled in 3DS EMV 2.0 and will trigger challenge flow. Popup page will be generated and OTP will be requested.
JCB33370000002000043DS EMV 2.0 ChallengeCard is enrolled in 3DS EMV 2.0 and will trigger challenge flow. Popup page will be generated and OTP will be requested.
AMEX3400000000010983DS EMV 2.0 ChallengeCard 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 FrictionlessCard is enrolled in 3DS EMV 2.0 and will trigger frictionless flow. Popup page will be generated but 3DS will complete without requiring OTP.
Mastercard52000000000010053DS EMV 2.0 FrictionlessCard is enrolled in 3DS EMV 2.0 and will trigger frictionless flow. Popup page will be generated but 3DS will complete without requiring OTP.
Mastercard40000000000000103DS Enabledonly success if skip 3DSCard is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication
Mastercard52000000000000153DS Enabledonly success if skip 3DSCard is enrolled in 3DS and can be used to test the authentication flow but will fail the authentication
AMEX3400000000060223DS Enabledonly success if skip 3DSCard 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 Enabledonly success if skip 3DSCard is enrolled in 3DS but will fail due to timeout during the 3DS request. Useful for handling 3DS timeouts in your system.
Mastercard52000000000010703DS Enabledonly success if skip 3DSCard is enrolled in 3DS but will fail due to timeout during the 3DS request. Useful for handling 3DS timeouts in your system.
VISA44342600000000083DS EnabledCard is enrolled in 3DS and can be used to test the authentication flow with ACS Emulator (simulation page to do 3DS authentication).
This card only works for testing MIGS MIDs.
Mastercard55778100000000043DS EnabledCard is enrolled in 3DS and can be used to test the authentication flow with ACS Emulator (simulation page to do 3DS authentication).
This card only works for testing MIGS MIDs.
BCA Card18898000000001713DS 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.

Simulating Failed Charge Transactions

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

Magic AmountFailure ReasonDefinition
10051EXPIRED_CARDThe card you are trying to capture has expired.
10052CARD_DECLINEDThe card you are trying to capture has been declined by the issuing bank.
10053 & 10057PROCESSOR_ERRORThe charge failed because there's an integration issue between the card processor and the bank.
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_CARDThe card you are trying to capture is inactive.
10058VALIDATION_ERRORThere is invalid payload request. Most likely the amount captured is either below the minimum limit or above the maximum limit.
10059INVALID_CVNThe card you are trying to capture is declined due to cvn not matched

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.

IssuingSchemeCard NumberInstallment Options (Tenor)
BRIMastercard51045821799494593, 6, 12
BRIVISA43650237811558283, 6, 12
BNIMastercard54264045641093863, 6, 12
BNIVisa41050676850542023, 6, 12
BNIJCB35652427286953953, 6, 12
UOB IDVISA40273636697754813
UOB IDMastercard51931183199428153, 6
HSBC IDMastercard51832356258955113, 6
OCBC IDVisa42156151294181643, 6
OCBC IDMastercard52416953308417143, 6

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
}
]
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