Test Cards Receiving Errors
Test Cards and Their Features for Failed Transactions
If you need a new test card for an error that is not listed here, please report it to the Craftgate team.
Test Cards Receiving Errors for Normal Payments (Non-3D Secure)
Below are the test cards that may receive errors during normal payments without 3D Secure (also referred to as 2D payment in some sources) and the errors reported by the bank. For fields not marked as errors in the table, payments using the relevant card will be successful.
Card Number | Error Group | Description | Standard Payment | Cancel / Refund |
---|---|---|---|---|
5100050000006661 | NOT_SUFFICIENT_FUNDS | Insufficient card limit, insufficient balance | ERROR | |
5100560000006669 | DO_NOT_HONOUR | The transaction has not been approved | ERROR | |
5101380000006661 | INVALID_TRANSACTION | Invalid transaction | ERROR | |
5101510000006663 | NOT_PERMITTED_TO_CARDHOLDER | The cardholder cannot do this transaction. Please try with another card | ERROR | |
5101520000006662 | STOLEN_CARD | Stolen card, pickup the card | ERROR | |
5102210000006669 | DECLINED | Payment declined | ERROR | |
5115830000006669 | NOT_SUFFICIENT_FUNDS | Insufficient card limit, insufficient balance | ERROR | |
5117280000006665 | NOT_SUFFICIENT_FUNDS | Insufficient card limit, insufficient balance | ERROR | |
5117580000006668 | NOT_SUFFICIENT_FUNDS | Insufficient card limit, insufficient balance | ERROR | |
5136620000006669 | LOST_CARD | Lost card, pickup the card | ERROR | |
5163080000006662 | EXPIRED_CARD | Incorrect expiration date | ERROR | |
5164580000006660 | INVALID_CVC2 | Cvc2 information is invalid | ERROR | |
5188960000006666 | NOT_PERMITTED_TO_TERMINAL | The terminal is not authorized to perform this transaction | ERROR | |
5192610000006661 | FRAUD_SUSPECT | The payment fails to pass the security check | ERROR | |
5193240000006666 | RESTRICTED_BY_LAW | Your card is closed to e-commerce transactions. Call your bank | ERROR | |
5200170000006666 | UNKNOWN | Unknown error happened in the system | ERROR | |
5209220000006660 | CARD_NOT_PERMITTED | The card does not allow the transaction | ERROR | |
5213940000006667 | APPROVED_COMPLETED | Pre-approved transaction | ERROR | |
5220750000006661 | INVALID_CHARS_IN_EMAIL | Email is not in valid format | ERROR | |
5218750000006665 | INVALID_CVC2_LENGTH | CVC length is invalid | ERROR | |
5222400000006661 | REFER_TO_CARD_ISSUER | Get approval from your bank | ERROR | |
5222650000006661 | INVALID_MERCHANT_OR_SP | Merchant category code is incorrect | ERROR | |
5223620000006663 | BLOCKED_CARD | Card is blocked | ERROR | |
5237590000006662 | INVALID_CAVV | Invalid CAVV information | ERROR | |
5253290000006668 | INVALID_ECI | Invalid ECI information | ERROR | |
5253390000006666 | CVC2_MAX_ATTEMPT | CVC2 incorrect entry attempts exceeded | ERROR | |
5253820000006662 | BIN_NOT_FOUND | BIN not found | ERROR | |
5254040000006666 | COMMUNICATION_OR_SYSTEM_ERROR | Communication or system error | ERROR | |
5328130000006667 | INVALID_CARD_NUMBER | Invalid card number | ERROR | |
5339730000006661 | NO_SUCH_ISSUER | Bank not found | ERROR | |
5342530000006660 | DEBIT_CARDS_REQUIRES_3DS | Debit cards can only be used in 3D Secure transaction | ERROR | |
5353550000006664 | DEBIT_CARDS_INSTALLMENT_NOT_ALLOWED | Installments cannot be made with debit cards. | ERROR | |
5358810000006667 | REQUEST_TIMEOUT | Request sent to bank timed out | ERROR | |
5381210000006661 | NOT_PERMITTED_TO_FOREIGN_CARD | Terminal is closed to international cards | ERROR | |
5400240000006665 | NOT_PERMITTED_TO_INSTALLMENT | Terminal does not allow installment | ERROR | |
5400630000006667 | REQUIRES_DAY_END | End of day must be done | ERROR | |
5482020000006662 | EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT | Withdrawal limit exceeded | ERROR | |
5545480000006663 | RESTRICTED_CARD | Restricted card | ERROR | |
4006840000006663 | EXCEEDS_ALLOWABLE_PIN_TRIES | Allowed number of PIN entries exceeded | ERROR | |
4007420000006663 | INVALID_PIN | Invalid PIN | ERROR | |
4010720000006661 | ISSUER_OR_SWITCH_INOPERATIVE | Bank or terminal fail to process | ERROR | |
4022770000006662 | INVALID_EXPIRE_YEAR_MONTH | Invalid expiration date | ERROR | |
4024580000006663 | REQUEST_BLOCKED_BY_BANK | The request received an error from the bank | ERROR | |
4025890000006665 | SALES_AMOUNT_LESS_THAN_AWARD | The sales amount cannot be lower than the award points | ERROR | |
4029400000006669 | INVALID_AMOUNT | Invalid amount | ERROR | |
4032800000006665 | INVALID_CARD_TYPE | Invalid card type | ERROR | |
4043080000006661 | NOT_SUFFICIENT_AWARD | Insufficient award points | ERROR | |
4049520000006660 | NO_RESPONSE | A general error occurred during the payment process | ERROR | |
4086250000006668 | INVALID_TRANSACTION | Invalid transaction | ERROR | |
4111580000006667 | REQUEST_TIMEOUT | Request is timeout | ERROR | |
4132260000006661 | COMMUNICATION_OR_SYSTEM_ERROR | Communication or system error | ERROR | |
4137290000006663 | COMMUNICATION_OR_SYSTEM_ERROR | Communication or system error | ERROR | |
4183420000006669 | PICKUP_CARD | Pickup the card | ERROR | |
4234800000006661 | CVC_REQUIRED | CVC is required for payment | ERROR | |
4059030000006667 | MAY_HAVE_ALREADY_REFUNDED | The amount to be refunded must be less than the total paid amount. This payment may have been refunded before | ERROR | |
5585930000006668 | ORDER_ID_ALREADY_USED | The order number (orderId) has already been used. Order numbers must be unique for successful sales | ERROR | |
9792520000006668 | INVALID_IP | Invalid IP | ERROR | |
4355080000006663 | POS_BALANCE_NOT_SUFFICIENT | Virtual Pos balance is not sufficient. | ERROR |
Test Cards Receiving Errors for 3D Secure Payments
In the 3D Model
: If the merchant's 3DSecure authentication type is FULL_THREEDS
, and the 3DS authentication result mdstatus value is not 1,
the user is considered not to have authenticated themselves. The payment cannot be completed in this case and will receive a validation error if attempted.
If the merchant's 3DSecure authentication type is HALF_THREEDS
, for the user to be considered authenticated, it is sufficient for the mdstatus value to return one of the values 1, 2, 3, or 4.
In the 3DPay Model
: In this model, the payment is processed by the bank as soon as the user authenticates themselves. In this model, the 3ds authentication type is irrelevant.
Regardless of your 3ds authentication type setting in Craftgate, the bank may still consider the authentication successful and process the payment if mdstatus=4.
Therefore, whether your settings are HALF_THREEDS
or FULL_THREEDS
, the bank decides whether the verification is successful and whether the payment is processed.
The following test cards can be used for the 3D Model
. In the 3DPay Model
, test cards that get errors during the 3DS Complete stage can be used to trigger a failed payment.
Card Number | Error Group | Description | 3DS Init | 3DS Verify | 3DS Complete |
---|---|---|---|---|---|
5100050000006661 | NOT_SUFFICIENT_FUNDS | Insufficient card limit, low balance | ERROR | ||
5100560000006669 | DO_NOT_HONOUR | Transaction was not approved | ERROR | ||
5101380000006661 | INVALID_TRANSACTION | Invalid transaction | ERROR | ||
5101510000006663 | NOT_PERMITTED_TO_CARDHOLDER | Cardholder is not allowed to perform this transaction | ERROR | ||
5101520000006662 | STOLEN_CARD | Stolen card, seize the card | ERROR | ||
5102210000006669 | DECLINED | Payment was declined | ERROR | ||
5197800000006663 | NO_RESPONSE | No response from bank | ERROR | ||
5115830000006669 | 3DS can be initiated, but verification phase returns mdStatus 0 | mdstatus:0 | ERROR [*] | ||
5117280000006665 | 3DS can be initiated, but verification phase returns mdStatus 4 | mdstatus:4 | ERROR []** | ||
5117580000006668 | THREEDS_INIT_ERROR | 3D Secure Init Failed | ERROR | ERROR | ERROR |
[*] In the 3D Model
, the payment cannot be completed because mdstatus returns 0. In the 3DPay Model
, however, the verification type is irrelevant, and the payment can be successfully completed.
[**] In the 3D Model
, payments cannot be completed with this card with FULL_THREEDS
, but they can be successfully completed with HALF_THREEDS
. In the 3DPay Model
, the verification type is irrelevant; the payment can be successfully completed.
Test Cards Receiving Errors for Pre-Authorized Payments
Below are the test cards that may receive errors during pre-authorized payments and the errors reported by the bank. For fields not marked as errors in the table, transactions using the relevant card will be successful.
Card Number | Error Group | Description | Pre-Auth | Post-Auth |
---|---|---|---|---|
9792120000006667 | NOT_SUFFICIENT_FUNDS | Insufficient limit | ERROR | |
4043150000006662 | INVALID_TRANSACTION | Invalid transaction | ERROR |
Error Groups for Alternative Payment Methods (APM)
Below are the errors you may receive when trying to make a payment using an alternative payment method (APM) such as a digital wallet or a bank transfer.
Error Group | Description | Payment |
---|---|---|
APM_ACCOUNT_NOT_FOUND | Card or account not found | ERROR |
APM_ACCOUNT_PERMISSION_DENIED | Account does not have payment authorization | ERROR |
APM_INVALID_VERIFICATION_CODE | Invalid verification code | ERROR |
APM_VERIFICATION_CODE_ERROR | OTP entry time expired | ERROR |
APM_ERROR | Payment failed | ERROR |
APM_VALIDATION_ERROR | Validation error from the APM provider | ERROR |
APM_VPOS_ERROR | Virtual POS error | ERROR |
BNPL_CANCELLED | BNPL is in a canceled state | ERROR |
Test Cards Receiving Errors for Refund / Cancel
Below are the test cards that may receive errors when processing a cancellation or refund after successfully completing a non-3DS or 3DS payment.
Card Number | Error Group | Description | Cancel / Refund |
---|---|---|---|
5428040000006667 | ARCHIVED_PAYMENT | Payment has been archived by bank and cannot be refunded | ERROR |
5530900000006667 | EXPIRED_PROVISION | Authorization period has expired | ERROR |
4792270000006661 | INVALID_REFUND_TRANSACTION | Invalid refund transaction | ERROR |
4059030000006667 | MAY_HAVE_ALREADY_REFUNDED | This payment may have been refunded before | ERROR |
5288250000006661 | NON_REFUNDABLE_PAYMENT | Payment cannot be refunded | ERROR |
4320720000006666 | PAYMENT_NOT_FOUND_FOR_REFUND | Refundable payment not found | ERROR |
4355080000006663 | POS_BALANCE_NOT_SUFFICIENT | Insufficient balance in the bank account linked to the virtual POS for the refund | ERROR |
6501700000006664 | REFUND_DECLINE | You cannot process a refund for this transaction at the moment | ERROR |
5400630000006667 | REQUIRES_DAY_END | End-of-day process must be completed at the bank for the refund to be successful | ERROR |
4060150000006660 | TOO_MANY_REQUESTS | There is an ongoing refund request for this order, please wait for it to complete | ERROR |
9792140000006665 | UNKNOWN | Unrecognized refund error | ERROR |