> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.runpayments.io/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.runpayments.io/_mcp/server. # Test Cards ## Overview The following test cards can be used in your UAT environment to simulate payment scenarios. Data is never sent to the end processor in UAT — all transactions are simulated. You may use any value for the CVV when running test transactions. ## Basic Test Cards | Card Type | Card Number | Expiry | | ---------- | ---------------- | ------ | | Visa | 4788250000121443 | 10/29 | | Visa | 4387751111111038 | 10/29 | | Mastercard | 5454545454545454 | 10/29 | | Mastercard | 5442981111111031 | 10/29 | | Discover | 6011000995500000 | 10/29 | | Discover | 6011000995511130 | 10/29 | | AMEX | 371449635398431 | 10/29 | | AMEX | 378282246310005 | 10/29 | --- ## UAT Response Codes Trigger specific decline scenarios by charging a particular amount (in cents) against the test card numbers below. Each amount maps to a specific association response code and description. Only compatible with the **Cardpointe** gateway. ### AMEX | Test Card Number | Amount (cents) | respcode | assocRespCode | assocRespText | | ---------------- | -------------- | -------- | ------------- | ---------------------------------------------- | | 341111599242008 | 288801 | 500 | 100 | Deny | | 341111599242008 | 288802 | 500 | 101 | Expired card / Invalid Expiration Date | | 341111599242008 | 288803 | 500 | 103 | CID failed | | 341111599242008 | 288804 | 500 | 105 | Card cancelled | | 341111599242008 | 288805 | 500 | 106 | Exceeded PIN attempts | | 341111599242008 | 288806 | 500 | 107 | Call issuer | | 341111599242008 | 288807 | 500 | 109 | Invalid merchant | | 341111599242008 | 288808 | 500 | 110 | Invalid amount | | 341111599242008 | 288809 | 500 | 111 | Invalid card / Invalid MICR (Travelers Cheque) | | 341111599242008 | 288810 | 500 | 115 | Function not supported | | 341111599242008 | 288811 | 500 | 116 | Insufficient funds | | 341111599242008 | 288812 | 500 | 117 | Invalid PIN | | 341111599242008 | 288813 | 500 | 119 | Cardmember not enrolled / not permitted | | 341111599242008 | 288814 | 500 | 121 | Limit exceeded | | 341111599242008 | 288815 | 500 | 122 | Invalid CID | | 341111599242008 | 288816 | 500 | 125 | Invalid effective date | | 341111599242008 | 288817 | 500 | 130 | Additional customer identification required | | 341111599242008 | 288818 | 500 | 181 | Format error | | 341111599242008 | 288819 | 500 | 183 | Invalid currency code | | 341111599242008 | 288820 | 500 | 187 | Deny - new card issued | | 341111599242008 | 288821 | 500 | 188 | Deny - canceled | | 341111599242008 | 288822 | 500 | 189 | Deny - Canceled or Closed Merchant/SE | | 341111599242008 | 288823 | 500 | 190 | National ID Mismatch | | 341111599242008 | 288824 | 500 | 193 | Invalid Country Code | | 341111599242008 | 288825 | 500 | 194 | Invalid Region Code | | 341111599242008 | 288826 | 500 | 200 | Pick up card | | 341111599242008 | 288827 | 500 | 900 | Accepted - ATC Synchronization | | 341111599242008 | 288828 | 500 | 909 | System Malfunction (Cryptographic error) | | 341111599242008 | 288829 | 500 | 912 | Issuer not available | | 341111599242008 | 288830 | 500 | 977 | Invalid Payment Plan | | 341111599242008 | 288831 | 500 | 978 | Invalid Payment Times | ### Discover | Test Card Number | Amount (cents) | respcode | assocRespCode | assocRespText | | ---------------- | -------------- | -------- | ------------- | -------------------------------------------------- | | 6011000995512005 | 288801 | 500 | 03 | Invalid Merchant | | 6011000995512005 | 288802 | 500 | 04 | Capture Card | | 6011000995512005 | 288803 | 500 | 05 | Do not honor | | 6011000995512005 | 288804 | 500 | 07 | Pick-up Card special condition | | 6011000995512005 | 288805 | 500 | 08 | Reserved for future use | | 6011000995512005 | 288806 | 500 | 12 | Invalid transaction | | 6011000995512005 | 288807 | 500 | 13 | Invalid amount | | 6011000995512005 | 288808 | 500 | 14 | Invalid Card Number | | 6011000995512005 | 288809 | 500 | 15 | Reserved for future use | | 6011000995512005 | 288810 | 500 | 19 | Re-enter transaction | | 6011000995512005 | 288811 | 500 | 30 | Format error | | 6011000995512005 | 288812 | 500 | 31 | Bank not supported by switch | | 6011000995512005 | 288813 | 500 | 38 | Allowable PIN tries exceeded | | 6011000995512005 | 288814 | 500 | 39 | No credit account | | 6011000995512005 | 288815 | 500 | 40 | Requested function not supported | | 6011000995512005 | 288816 | 500 | 41 | Lost Card | | 6011000995512005 | 288817 | 500 | 43 | Stolen Card | | 6011000995512005 | 288818 | 500 | 51 | Decline | | 6011000995512005 | 288819 | 500 | 53 | No savings account | | 6011000995512005 | 288820 | 500 | 54 | Expired Card | | 6011000995512005 | 288821 | 500 | 55 | Invalid PIN | | 6011000995512005 | 288822 | 500 | 56 | No Card record | | 6011000995512005 | 288823 | 500 | 57 | Transaction not permitted to Issuer/Cardholder | | 6011000995512005 | 288824 | 500 | 58 | Transaction not permitted to Acquirer/terminal | | 6011000995512005 | 288825 | 500 | 59 | Suspected fraud | | 6011000995512005 | 288826 | 500 | 60 | Card acceptor contact Acquirer | | 6011000995512005 | 288827 | 500 | 61 | Exceeds withdrawal amount limit | | 6011000995512005 | 288828 | 500 | 62 | Restricted Card | | 6011000995512005 | 288829 | 500 | 63 | Security violation | | 6011000995512005 | 288830 | 500 | 64 | Original amount incorrect | | 6011000995512005 | 288831 | 500 | 65 | Exceeds withdrawal count limit | | 6011000995512005 | 288832 | 500 | 66 | Card Acceptor call Acquirer's security dept | | 6011000995512005 | 288833 | 500 | 67 | Hard capture (requires ATM pick-up) | | 6011000995512005 | 288834 | 500 | 68 | Response received too late | | 6011000995512005 | 288835 | 500 | 75 | Allowable number of PIN tries exceeded | | 6011000995512005 | 288836 | 500 | 76 | Invalid/nonexistent "to" Account specified | | 6011000995512005 | 288837 | 500 | 77 | Invalid/nonexistent "from" Account specified | | 6011000995512005 | 288838 | 500 | 78 | Invalid/nonexistent Account specified (general) | | 6011000995512005 | 288839 | 500 | 83 | Domain Restriction Controls Failure | | 6011000995512005 | 288840 | 500 | 85 | No reason to decline | | 6011000995512005 | 288841 | 500 | 87 | Network unavailable | | 6011000995512005 | 288842 | 500 | 91 | Authorization system or Issuer system inoperative | | 6011000995512005 | 288843 | 500 | 92 | Unable to route transaction | | 6011000995512005 | 288844 | 500 | 93 | Transaction cannot be completed - violation of law | | 6011000995512005 | 288845 | 500 | 94 | Duplicate transmission detected | | 6011000995512005 | 288846 | 500 | 96 | System malfunction | | 6011000995512005 | 288847 | 500 | 1A | Customer Authentication Required | | 6011000995512005 | 288848 | 500 | N1 | System up | | 6011000995512005 | 288849 | 500 | N2 | Soft down | | 6011000995512005 | 288850 | 500 | N3 | System down | | 6011000995512005 | 288851 | 500 | N7 | Decline for AVS or CID mismatch | | 6011000995512005 | 288852 | 500 | P5 | PIN Change/Unblock failed | | 6011000995512005 | 288853 | 500 | P6 | New PIN not accepted | ### Mastercard | Test Card Number | Amount (cents) | respcode | assocRespCode | assocRespText | | ---------------- | -------------- | -------- | ------------- | -------------------------------------- | | 5442981111112021 | 288801 | 500 | 01 | Refer to card issuer | | 5442981111112021 | 288802 | 500 | 03 | Invalid merchant | | 5442981111112021 | 288803 | 500 | 05 | Do not honor | | 5442981111112021 | 288804 | 500 | 12 | Invalid transaction | | 5442981111112021 | 288805 | 500 | 13 | Invalid amount | | 5442981111112021 | 288806 | 500 | 14 | Invalid card number | | 5442981111112021 | 288807 | 500 | 15 | Invalid issuer | | 5442981111112021 | 288808 | 500 | 30 | Format error | | 5442981111112021 | 288809 | 500 | 51 | Insufficient funds / over credit limit | | 5442981111112021 | 288810 | 500 | 54 | Wrong expiration | | 5442981111112021 | 288811 | 500 | 55 | Incorrect PIN | | 5442981111112021 | 288812 | 500 | 57 | Invalid txn for card | | 5442981111112021 | 288813 | 500 | 58 | Txn not permitted to cardholder | | 5442981111112021 | 288814 | 500 | 61 | Exceeds withdrawal limit | | 5442981111112021 | 288815 | 500 | 62 | Restricted card | | 5442981111112021 | 288816 | 500 | 63 | Security violation | | 5442981111112021 | 288817 | 500 | 65 | Exceeds withdrawal frequency | | 5442981111112021 | 288818 | 500 | 71 | PIN Not Changed | | 5442981111112021 | 288819 | 500 | 75 | PIN try exceeded | | 5442981111112021 | 288820 | 500 | 76 | Invalid To Account specified | | 5442981111112021 | 288821 | 500 | 77 | Invalid From Account specified | | 5442981111112021 | 288822 | 500 | 78 | Invalid Account specified | | 5442981111112021 | 288823 | 500 | 81 | Domestic Debit Transaction not allowed | | 5442981111112021 | 288824 | 500 | 84 | Invalid Authorization Life Cycle | | 5442981111112021 | 288825 | 500 | 86 | PIN Validation not possible | | 5442981111112021 | 288826 | 500 | 88 | Cryptographic Failure | | 5442981111112021 | 288827 | 500 | 89 | Authentication Failure | | 5442981111112021 | 288828 | 500 | 91 | Issuer or Switch Inoperative | | 5442981111112021 | 288829 | 500 | 92 | Unable to route transaction | | 5442981111112021 | 288830 | 500 | 94 | Duplicate Transmission detected | | 5442981111112021 | 288831 | 500 | 96 | System error | ### Visa | Test Card Number | Amount (cents) | respcode | assocRespCode | assocRespText | | ---------------- | -------------- | -------- | ------------- | ---------------------------------------------------------- | | 4387751111111012 | 288801 | 500 | 01 | Refer to card issuer | | 4387751111111012 | 288802 | 500 | 02 | Refer to card issuer - special | | 4387751111111012 | 288803 | 500 | 03 | Invalid merchant | | 4387751111111012 | 288804 | 500 | 04 | Pick up card (no fraud) | | 4387751111111012 | 288805 | 500 | 05 | Do not honor | | 4387751111111012 | 288806 | 500 | 06 | Error | | 4387751111111012 | 288807 | 500 | 07 | Pick up card - special | | 4387751111111012 | 288808 | 500 | 12 | Invalid transaction | | 4387751111111012 | 288809 | 500 | 13 | Invalid amount | | 4387751111111012 | 288810 | 500 | 14 | Invalid account number | | 4387751111111012 | 288811 | 500 | 15 | No such issuer | | 4387751111111012 | 288812 | 500 | 25 | Unable to locate record in file | | 4387751111111012 | 288813 | 500 | 28 | File temporarily unavailable | | 4387751111111012 | 288814 | 500 | 39 | No credit account | | 4387751111111012 | 288815 | 500 | 41 | Card reported lost | | 4387751111111012 | 288816 | 500 | 43 | Card reported stolen | | 4387751111111012 | 288817 | 500 | 46 | Account closed | | 4387751111111012 | 288818 | 500 | 51 | Insufficient funds | | 4387751111111012 | 288819 | 500 | 52 | No checking account | | 4387751111111012 | 288820 | 500 | 53 | No savings account | | 4387751111111012 | 288821 | 500 | 54 | Wrong expiration | | 4387751111111012 | 288822 | 500 | 55 | Incorrect PIN | | 4387751111111012 | 288823 | 500 | 57 | Invalid txn for card | | 4387751111111012 | 288824 | 500 | 58 | Terminal not permitted | | 4387751111111012 | 288825 | 500 | 59 | Suspected fraud | | 4387751111111012 | 288826 | 500 | 61 | Exceeds approval amount limit | | 4387751111111012 | 288827 | 500 | 62 | Restricted card | | 4387751111111012 | 288828 | 500 | 63 | Security violation | | 4387751111111012 | 288829 | 500 | 64 | Transaction does not fulfill AML requirement | | 4387751111111012 | 288830 | 500 | 65 | Exceeds withdrawal frequency limit | | 4387751111111012 | 288831 | 500 | 70 | PIN data required | | 4387751111111012 | 288832 | 500 | 74 | Different value than that used for PIN encryption errors | | 4387751111111012 | 288833 | 500 | 75 | PIN try exceeded | | 4387751111111012 | 288834 | 500 | 76 | Unsolicited reversal | | 4387751111111012 | 288835 | 500 | 78 | Blocked - first used | | 4387751111111012 | 288836 | 500 | 79 | Already reversed | | 4387751111111012 | 288837 | 500 | 80 | No financial impact | | 4387751111111012 | 288838 | 500 | 81 | Cryptographic error found in PIN | | 4387751111111012 | 288839 | 500 | 82 | Negative CAM dCVV iCVV or CVV results | | 4387751111111012 | 288840 | 500 | 86 | Cannot verify PIN | | 4387751111111012 | 288841 | 500 | 89 | Ineligible to receive financial position information (GIV) | | 4387751111111012 | 288842 | 500 | 91 | Issuer unavailable | | 4387751111111012 | 288843 | 500 | 92 | Unable to route | | 4387751111111012 | 288844 | 500 | 93 | Transaction cannot be completed - violation of law | | 4387751111111012 | 288845 | 500 | 96 | System malfunction | | 4387751111111012 | 288846 | 500 | 1A | Additional customer authentication required | | 4387751111111012 | 288847 | 500 | 6P | Verification data failed | | 4387751111111012 | 288848 | 500 | B1 | Surcharge amount not permitted (U.S. acquirers only) | | 4387751111111012 | 288849 | 500 | B2 | Surcharge amount not supported by debit network issuer | | 4387751111111012 | 288850 | 500 | N0 | Force STIP | | 4387751111111012 | 288851 | 500 | N3 | Cash service not available | | 4387751111111012 | 288852 | 500 | N4 | Cash request exceeds issuer or approved limit | | 4387751111111012 | 288853 | 500 | N5 | Ineligible for resubmission | | 4387751111111012 | 288854 | 500 | N7 | CVV2 failure | | 4387751111111012 | 288855 | 500 | N8 | Transaction amount exceeded | | 4387751111111012 | 288856 | 500 | P5 | Denied PIN unblock | | 4387751111111012 | 288857 | 500 | P6 | Denied PIN change - requested PIN unsafe | | 4387751111111012 | 288858 | 500 | Q1 | Card Authentication failed | | 4387751111111012 | 288859 | 500 | R0 | Stop Payment Order | | 4387751111111012 | 288860 | 500 | R1 | Revocation of authorization order | | 4387751111111012 | 288861 | 500 | R2 | Transaction does not qualify for Visa PIN | | 4387751111111012 | 288862 | 500 | R3 | Revocation of all authorizations order | | 4387751111111012 | 288863 | 500 | Z3 | Offline declined |