Chase Paymentech Test Cards

Test Card Cases for Chase Paymentech

This document aims to help those integrating to the PayConex API suite using Chase Paymentech for the merchant processing back-end.

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

However please be aware there are times 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 Card Values

VISA Card NumberExpiration Date
40113611000000121230
40252400000000881230
47882500000282911230
40550111111111111230
41592800000000091230
44855366666666631230
Master Card NumberExpiration Date
54545454545454541230
54052222222222261230
51328500000000081230
55673560066647341230
Discover Card NumberExpiration Date
60110009955000001230
60110255003958021230
AMEX Card NumberExpiration Date
3714496353984311230
3739531923510041230

Security Code/CVV/CVD Test Values

ValueDescriptionResponse Code
111MatchM
222No MatchN
333Not ProcessedP
444Should have been presentS
555Issuer unable to process requestU
666NoneNone
777Decline TranN
2222Match (Amex only)Y
1111No Match (Amex onlyN
9999Not Processed (Amex only)U
UnknownN

Zip Code Test Values and AVS Response Codes

ZipCodeVISAMaster CardDiscoverAMEX
11111AAddress matches, ZIP code does not. Acquirer rights not impliedAddress matches, postal code does notAddress matches, five-digit Postal Code matchesAddress only is correct
44445BStreet addresses match. Postal code not verified due to incompatible formats. (Acquirer sent both street address and postal code.)---
66667CStreet address and postal code not verified due to incompatible formats. (Acquirer sent both street address and postal code.)---
77778DStreet addresses and postal codes match---
88888GAddress information not verified for international transactions. The issuer is not an AVS participant, or AVS data was present in the request but the 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-
88889IAddress not verified---
22222MStreet address and postal code match---
33333NNo 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 matchesNeither the ZIP nor the address matches
55556PPostal code match. Acquirer sent both postal code and street address, but street address not verified due to incompatible formats.---
44444RRetry: System unavailable or timed out. The 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 processSystem unavailable; retry
11112SNot 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 supportedAVS not supported at this timeAVS not supported at this time
11113T--Nine-digit Postal Code matches, address does not-
55555UAddress not verified for domestic transactions. The issuer is not an AVS participant, or AVS data was present in the request but the 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/Authorization PlatformRetry, system unable to processThe necessary information is not available, the account number is neither U.S. nor Canadian
22223WNot 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, the address does not; for address outside the U.S., the postal code matches, the address does not.No data from Issuer/Authorization system-
33334XNot 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*-
66666YStreet address and postal code match.For U.S. addresses, five-digit postal code and address matches.Address matches, Postal Code does notYes, address and ZIP code are both correct
77777ZPostal/ZIP matches; street address does not match or street address not included in the request.For U.S. addresses, five-digit postal code matches, but the address does not.Five-digit Postal Code matches, the address does notZIP code only is correct

Triggering Declined Transactions

The Paymentech interface provides the ability to send a specific cent amount with your dollar value in order to decline transactions.

NOTE: In this table, the dollar amount is represented by a '0' but can be any dollar amount. If the cent value is included the cent trigger's response will be what's contained within this table.

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

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