Chase Paymentech Test Cards

Test Card Cases for Chase Paymentech

The majority of the compiled information has been sourced directly from Chase Paymentech documentation and used for testing on PayConex.

However, please be aware that back-end processors will modify their testing environment for specific needs at times. This means there is a chance you could receive an unexpected response if something has changed at Chase Paymentech within their testing environment.

PayConex itself does not have any built-in logic for approving/declining transactions based on AVS, CVV, or transaction amounts. The responses you get will come directly from the Chase Paymentech test environment.

If you experience issues in testing any of the values below, please let our integration team know. They can consult with our internal technology team and/or the back-end processor to determine if the documentation needs to be modified.

Test Cards

VISA Card Number Expiration Date
4011361100000010 1230
4025240000000080 1230
4788250000028290 1230
4025240000000080 1230
4055011111111110 1230
4159280000000000 1230
4485536666666660 1230

Security Code/CVV/CVD Test Values

Value Description Response Code
111 Match M
222 No Match N
333 Not Processed P
444 Should have been present S
555 Issuer unable to process request U
666 None None
777 Decline Tran N
2222 Match (Amex only) Y
1111 No Match (Amex only) N
9999 Not Processed (Amex only) U
Unknown N

Zip Code Test Values and AVS Response Codes

Zip Code Visa MasterCard Discover Amex
11111 A Address matches, ZIP code does not. Acquirer rights not implied Address matches, postal code does not Address matches, five-digit Postal Code matches Address only is correct
44445 B Street addresses match. Postal code not verified due to incompatible formats. (Acquirer sent both street address and postal code.) - - -
66667 C Street address and postal code not verified due to incompatible formats. (Acquirer sent both street address and postal code.) - - -
77778 D Street addresses and postal codes match - - -
88888 G Address information not verified for international transaction. Issuer is not an AVS participant, or AVS data was present in the request but issuer did not return an AVS result, or Visa performs AVS on behalf of the issuer and there was no address record on file for this account. - Address information not verified for international transaction -
88889 I Address not verified - - -
22222 M Street address and postal code match - - -
33333 N No match. Acquirer sent postal/ZIP code only, or street address only, or both postal code and street address. Also used when acquirer requests AVS but sends no AVS data in field 123. Neither address nor postal code matches. Nothing matches Neither the ZIP nor the address matches
55556 P Postal code matches. Acquirer sent both postal code and street address, but street address not verified due to incompatible formats. - - -
44444 R Retry: System unavailable or timed out. Issuer ordinarily performs AVS but was unavailable. The code R is used by V.I.P. when issuers are unavailable. Issuers should refrain from using this code. Retry, System unable to process - System unavailable; retry
11112 S Not applicable. Visa changes this value to U (for Domestic) or G (for international) and therefore is returned in the Host Response as U or G. Available for U.S. issuers only. AVS currently not supported AVS not supported at this time AVS not supported at this time
11113 T - - Nine-digit Postal Code matches address does not -
55555 U Address not verified for domestic transaction. Issuer is not an AVS participant, or AVS data was present in the request but issuer did not return an AVS result, or Visa performs AVS on behalf of the issuer and there was no address record on file for this account. No data from issuer's Authorization Platform Retry, system unable to process The necessary information is not available, account number is neither U.S. nor Canadian
22223 W Not applicable. Visa changes this value to Z and therefore is returned in the Host Response as Z. Available for U.S. issuers only. For U.S. addresses, nine-digit postal code matches, address does not; for address outside the U.S., postal code matches, address does not. No data from Issuer's Authorization system -
33334 X Not applicable. Visa changes this value to Y and therefore is returned in the Host Response as Y. Available for U.S. issuers only. For U.S. addresses, nine-digit postal code and address matches; for addresses outside the U.S., postal code and address match. Address matches, nine-digit Postal Code matches* -
66666 Y Street address and postal code match. For U.S. addresses, five-digit postal code and address matches. Address matches, Postal Code does not Yes, address and ZIP code are both correct
77777 Z Postal/ZIP matches; street address does not match, or street address not included in request. For U.S. addresses, five-digit postal code matches, address does not. Five-digit Postal Code matches, address does not ZIP code only is correct

Triggering Declined Transactions

Amount Auth Message
$0.00 APPROVED
$0.01 AUTH DECLINED 200
$0.02 CALL VOICE OPER 201
$0.03 HOLD - CALL 202
$0.04 CALL VOICE OPER 203
$0.05 INVALID CARD NO 204
$0.06 INVALID EXP DATE205
$0.07 INVALID ICA NO 206
$0.08 INVALID ABA NO 207
$0.09 INVALID PIN NO 208
$0.10 INVALID BANK MID209
$0.11 INVALID TERM NO 210
$0.12 INVALID AMOUNT 211
$0.13 INVALID STATE CD212
$0.14 DECLINE 213
$0.15 CALL VOICE OPER 214
$0.16 LOST/STOLEN CARD215
$0.17 INVALID PIN 216
$0.18 OVER CREDIT FLR 217
$0.19 REQUEST DENIED218
$0.20 NOT ONLINE TO ??220
$0.21 DOWN - PLS RETRY221
$0.22 AUTH. DECLINED 222
$0.23 INVALID PIN NO 223
$0.24 AUTH. DECLINED 224
$0.25 CARD NOT ALLOWED225
$0.59 CARDHLDR DECLINE200
$0.92 DOWN - PLS RETRY292
$0.93 BUSY - PLS RETRY293
$0.94 BUSY - PLS RETRY294
$0.97 ERROR - RETRY 297
$0.98 ERROR - RETRY 298
$0.99 ERROR - RETRY 299
otherwise APPROVED

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