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
4048090000006665	AMEX_CAN_USE_ONLY_MR	American Express card error	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
4059190000006669	ORDER_ID_ALREADY_USED	The order number (orderId) has already been used. Order numbers must be unique for successful sales	ERROR
4059190000176660	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

If you are specifically testing failed payments using the 3DPay model, you can view the details of errors received during the 3DS authentication phase in the 3DS completion response.

Other test cards that receive errors during the 3DS phase are listed below.

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
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	Insufficient card limit, low balance	ERROR	ERROR	ERROR

[*] If mdStatus returns 0, it means the user failed 3ds verification. Any payment completion requests after this point will result in a validation error as the payment cannot be completed.

[**] If the merchant’s 3DSecure verification type is FULL_THREEDS, and the mdStatus value does not return 1, the user is considered to have failed authentication. In this case, the payment cannot be completed, and validation errors will be encountered. However, if the merchant’s 3DSecure verification type is HALF_THREEDS, mdStatus values of 1, 2, 3, or 4 are sufficient for the user to be considered authenticated. In this example, the test card returns mdStatus 4 during 3DS authentication, meaning the payment can be successfully completed. To summarize, for merchants using FULL_THREEDS, payments with this card cannot be completed, while for those using HALF_THREEDS, payments 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