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Test Data

Test Cards​

The following accounts will be accepted by the test server's validation mechanism and thus can be used for preliminary testing.

tip

The expiration date for all test card types is 0425

Card TypeCard Number
Visa4111111111111111
MasterCard5499740000000057
Discover6011000991001201
Amex371449635392376
Visa (Debit)4217651111111119
MasterCard (Debit)5149612222222229

Test Bank Accounts​

The following accounts will be accepted by the test server's validation mechanism and thus can be used for preliminary testing.

Account TypeAccount NumberRouting Number
US Checking4099999992021000021
AU Checking7694200031093088
CA Checking5682100032000302949

Test Amount Ranges​

As part of your testing, the amount ranges specified below can be used to trigger specific response codes from the server. Any valid test account number and any properly formatted billing address can be used for the test. This works for merchants accounts set up in the sandbox area as 'proxy'.

Questions?

If you have questions about this please contact developer@unipay.com.

Works with the sale and sale-auth operations.

Payment Cards / Direct Debit (ACH)​

Amount RangeResponse CodeResponse Message
5.00 – 69.99A01Approved
70.00 – 74.99D01Denied by customer's bank
75.00 – 79.99D02Invalid Expiration Date
80.00 – 84.99D03Insufficient Funds
85.00 – 89.99D04Hold - Pick up card
90.00 – 94.99D05Invalid card number
95.00 – 99.99D06No Account
100.00 - 104.99D08*CSC is invalid
105.00 - 109.99D09Duplicate Transaction
110.00 - 114.99D10Card reported lost/stolen
115.00 - 119.99D16Card is Expired
120.00 - 124.99D17Re-enter Transaction
125.00 - 129.99D18Bad Amount
130.00 - 134.99D21*Pin Try Exceeded
135.00 – 139.99D27Transaction Error
140.00 – 144.99D29Card is restricted
150.00 – 159.99A05**Partially Approved
160.00 – 169.99Z02***Chargeback received
170.00 – 174.99D30Call for Authorization
175.00 – 179.99D33Incorrect merchant setup
180.00 – 184.99D41Processing Error
185.00 – 189.99E02Processing Network Unavailable
190.00 – 194.99Z01***Reversal received

  • Reject Test: This range is designated to test rejects. In this scenario, A02 approval code is received in the response but after a realtime transaction cycle is closed (batches settled for direct debit), a reject is generated for transactions with the indicated amount range.

  • Partial Authorization: This range is designated to test partial authorizations. By setting sale with this amount range the partially approved transaction will be received. Approved amount will be $10 less than the originally requested amount. Partially Approved (A05) response can be received under the condition if isPartialAuthorization is set to 1 and transactionIndustryType is set to either Retail or Restaurant, otherwise Insufficient Funds (D03) response is received.

  • Chargeback Test: This range is designated to test chargebacks. The response will be A01, however after the cycle is closed (batches settled for direct debit), a chargeback will be generated for any transactions in this range.

  • Additional Testing: In addition to the test ranges above, you can end the amount passed in 7 or 8 to generate chargeback and chargeback reversal responses respectively. Example: amount=137 will generate a chargeback response, similar to the 3rd note above. An A01 response will be received, but after a realtime transaction cycle is closed, a chargeback is generated with Z02 code. Similarly, if amount=138 is passed, an A01 response will be received, but after a realtime transaction cycle is closed, a chargeback reversal is generated with Z01 code.

Onboarding Response Codes Test​

This is to test your onboarding request response handlers. You can receive several different responses from an onboarding request, and we can enable a proxy onboarding profile to allow these certain values of the business.taxId field to test the responses.

These test values only work when used in the business.taxId

Field FormatResponse CodeResponse Message
Final Status Testing
xxxxxxx01AApproved
xxxxxxx02WApproved with Warnings
xxxxxxx03DDeclined
Intermediate Status Testing
xxxxxxx1XRIn Review
xxxxxxx2XCNeeds Correction
Failure/Error Status Testing
xxxxxxx3XS20Error
xxxxxxx4XTimeoutFailed
xxxxxxx5XFFailed

Account Verification​

As part of your testing the ZIP codes specified below can be used to trigger specific response codes from the server.

Test Requirements
  • Only card number 4111111111111111 can be used for this test
  • All non-expired expiration dates are valid
Zip CodeResponse CodeResponse Message
11111A01Approved
55555D05Invalid card number (Invalid Account Number)
00010D10Card reported lost/stolen (Lost/Stolen Card)
00001D01Denied by customer's bank (Do Not Honor)
88888D08CSC is invalid (Decline CSC/CID Fail)

ACH Account Verification Test Accounts​

The Routing and Account Numbers below can be used in sandbox environments to generate the responses in this table.

Routing NumberAccount NumberResponse CodeResponse MessageProvider Response CodeProvider Message/Description
1221052780000000016A01Approved1111Account Verified – The account was found to be an open and valid account.
1221052780000000017A01Approved2222AMEX Cheque – The account was found to be an open and valid American Express account.
1221052780000000018A01Approved3333Non-Participant Provider - this account was reported with acceptable, positive data found in recent or current transactions.
1221052780000000019A01Approved5555Savings Account Verified – The account was found to be open and have a positive history.
1221052780000000020A01Approved7777Account Verified - The checking account was found to be open and have a positive history.
1221052780000000021A01Approved8888Savings Account Verified – The account was found to be an open and valid account.
1221052780000000022A01Approved9999Non-Participant Provider – This account was reported with acceptable, positive data found in current or recent transactions. Positive history exists for multiple transactions.
1221052780000000008A01ApprovedND00No positive or negative information has been reported on the account. This could be a small or regional bank that does not report.
1221052780000000009A01ApprovedND01No positive or negative information has been reported on the account. This routing number can only be valid for US Government financial institutions. Please verify this item with its issuing authority.
1221052780000000013A01ApprovedRT03Accept With Risk - Current negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items)
1221052780000000015A01ApprovedRT05Recent negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items)
1221052780000000001X05Account Verification FailedGN01Negative Data - Negative Information was found.
1221052780000000002X05Account Verification FailedGN05Unassigned Routing Number - The routing number supplied is reported as not assigned to a financial institution.
1221052780000000003X05Account Verification FailedGP01Private Bad Checks List -- Variable - The value for Details will vary depending on the value set for CheckReject reason in the Private Bad Checks List.
1221052780000000004X05Account Verification FailedGS01Invalid Routing Number - The routing number supplied did not match the format of a valid routing number.
1221052780000000005X05Account Verification FailedGS02Invalid Account Number - The account number supplied did not match the format of a valid account number.
1221052780000000006X05Account Verification FailedGS03The check number supplied did not match the format of a valid check number.
1221052780000000007X05Account Verification FailedGS04The amount supplied did not match the format of a valid amount.
1221052780000000010X05Account Verification FailedRT00No Information Found - The routing number appears to be accurate however no positive or negative information has been reported on the account. Please contact customer to ensure that the correct account information was entered.
1221052780000000011X05Account Verification FailedRT01Declined - This account should be returned based on the risk factor being reported.
1221052780000000012X05Account Verification FailedRT02Reject Item - This item should be rejected based on the risk factor being reported.
1221052780000000014X05Account Verification FailedRT04Non Demand Deposit Account - This is a Non Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity or a Brokerage check.

AVS Verification​

As part of your testing the ZIP codes specified below can be used to trigger specific AVS response codes from the server.

Zip CodeAVS Response CodeResponse Message
1111100AVS Error - Retry, System unavailable or Timed out
2222246Street address doesn't match, 5-digit ZIP matches
3333343Street address not available (not verified), ZIP matches
4444440Address failed
555554FStreet address and ZIP match

CSC Verification​

As part of your testing the CSC codes specified below can be used to trigger specific CSC response codes from the server.

CSC CodeCSC Response CodeResponse Message
111MMatches
222NNot matches
333PNot processed
444SShould be present
555UIssuer is not certified

Balance Inquiry​

As part of your testing the month value of the expiration date can be used to trigger specific response in balance inquiry requests.

MonthBalance Amount (in dollars)Balance Amount (in cents)
0110010000
02101000
1200

Bank Identifier (BIN)​

As part of the testing, the month value of the expiration date can be used to trigger specific information associated with a particular BIN.

Test Requirements

To trigger the respective card type and issuing bank country responses:

  • Use card number: 4111111111111111
  • Use expiration date: 0422
MonthCard TypeIssuing Bank Country
01CreditUS Issued
02CreditCanada Issues
03CreditUK Issued
04Regulated DebitUS Issued
05Non-Regulated DebitUS Issued
06Non-Regulated DebitCanada Issued
07Non-Regulated DebitUK Issued