Test and Go Live

Testing Overview

To access the MasterCard Payment Gateway test simulator, type "TEST" as a prefix to the Merchant ID supplied by your payment service provider. If the Merchant ID supplied already has "TEST" as the first 4 letters, you are already using the test simulator, and your payment service provider will send you another Merchant ID when you are ready to process live transactions.

The test simulator is configured to generate predictable results based on the transaction request and card details you supply.

You can trigger specific transaction responses, e.g. the MasterCard Payment Gateway Response Code and Card Security Code validation, as well as Address Verification response codes. You can also test features like Risk Management and Wallet functionality.

Commence Live Payments

After you have tested your integration and received your production merchant ID, you can process live transactions. To move your integration from the test profile to the production profile, you will need to update the following with the new values for your production profile:

  • Merchant ID
  • API Password

You should perform several live test transactions, using a real credit card, through your production profile, and validate that transactions settle correctly into the expected bank account.

Contact your payment service provider if you need more information on commencing live payments.

Card Transaction Test Details

Standard Test Data – All Supported Regions

Use the standard test data unless specific test details for your acquirer and region are provided in the sections below.

Details
Test Cards Card Number 3-D Secure Enrolled
Mastercard
 5123450000000008 Y
2223000000000007 Y
5111111111111118 N
2223000000000023 N
Visa
 4508750015741019 Y
4012000033330026 N
American Express
 345678901234564 Y
371449635398431 N
Diners Club
 30123400000000 Y
36259600000012 N
JCB
 3528000000000007 Y
3528111100000001 N
Discover 6011003179988686 Y
6011963280099774 N
Maestro 5000000000000000005 Y
5666555544443333 N
UATP
(UATP cards do not support CSC/CVV and 3DS)		 135492354874528 N
135420001569134 N

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
05 / 39
 DECLINED
04 / 27
 EXPIRED_CARD
08 / 28
 TIMED_OUT
01 / 37 ACQUIRER_SYSTEM_ERROR
02 / 37 UNSPECIFIED_FAILURE
05 / 37 UNKNOWN

 

CSC/CVV CSC/CVV Response Gateway Code
100
 MATCH
101
 NOT_PROCESSED
102
 NO_MATCH
For American Express cards
1000 MATCH
1010 NOT_PROCESSED
1020 NO_MATCH

 

Billing Address Street AVS Response Gateway Code
Alpha St
 ADDRESS_MATCH
Gamma St
 NOT_VERIFIED
November St
 NO_MATCH
Romeo St
 SERVICE_NOT_AVAILABLE_RETRY
Sierra St
 SERVICE_NOT_SUPPORTED
Uniform St
 NOT_AVAILABLE
Whiskey St
 ZIP_MATCH
X-ray St
 ADDRESS_ZIP_MATCH
Kilo St NAME_MATCH
Oscar St NAME_ADDRESS_MATCH
Lima St NAME_ZIP_MATCH
0 (Zero) St NOT_REQUESTED

For more details on 3-D Secure authentication, see Implementing a 3DS Integration.

American Express Acquirer Link(s) – All Supported Regions

Details
Test Card Card Number
American Express
 345678901234564

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
04 / 19
04 / 38
UNSPECIFIED_FAILURE
04 / 37
DECLINED
05 / 18
05 / 37
EXPIRED_CARD
11 / 19
11 / 38
ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
0000
 MATCH
1111
 NO_MATCH
2222
 NOT_PROCESSED

 

Billing Address Street AVS Response Gateway Code
Alpha St
 ADDRESS_MATCH
Mike St
 ADDRESS_ZIP_MATCH
Uniform St
 NOT_AVAILABLE
Kilo St
 NAME_MATCH
November St
 NO_MATCH
Zulu St
 ZIP_MATCH
Romeo St
 SERVICE_NOT_AVAILABLE_RETRY
Sierra St
 SERVICE_NOT_SUPPORTED
Love St NAME_ZIP_MATCH
Olive St NAME_ADDRESS_MATCH
0 (Zero) St NOT_REQUESTED

First Data Acquirer Link(s) – United States

Details
Test Cards Card Number
Mastercard
 5149612222222229
2223000000000007
Visa
 4012000033330026
Discover
 6011000991300009
Diners Club
 36555500001111
JCB
 3566007770017510

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
05 / 28
 DECLINED
06 / 33
 EXPIRED_CARD
10 / 37 TIMED_OUT
06 / 38
 ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
 MATCH
111
 NO_MATCH
222
 NOT_PROCESSED
444
 NOT_PRESENT
888
 NOT_SUPPORTED

 

Billing Address Street AVS Response Gateway Code
Alpha St
 ADDRESS_MATCH
Gamma St
 NOT_VERIFIED
November St
 NO_MATCH
Romeo St
 SERVICE_NOT_AVAILABLE_RETRY
Sierra St
 SERVICE_NOT_SUPPORTED
Uniform St
 NOT_AVAILABLE
Wiskey St
 ZIP_MATCH
X-ray St
 ADDRESS_ZIP_MATCH

First Data Acquirer Link(s) – Australia

Details
Test Cards Card Number
Visa
 4005550000000019
Mastercard
 5123450000000008
2223000000000007
Diners Club
 30123400000000

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
05 / 39
 DECLINED
08 / 28
 TIMED_OUT
04 / 27
 EXPIRED_CARD

 

CSC/CVV CSC/CVV Response Gateway Code
100
 MATCH
101
 NOT_PROCESSED
102
 NO_MATCH

 

Address Verification (AVS) is not currently supported by Australian banks.

Other Acquirer Link(s) – United States

Details
Test Cards Card Number
Mastercard
 5123456789012346
2223000000000007
Visa
 4012000033330026
Discover
 6011000991300009
Diners Club
 36409300000008
JCB
 3566007770017510

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
01 / 28
 DECLINED
08 / 29
 TIMED_OUT
03 / 28
 EXPIRED_CARD
09 / 29
 ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
 MATCH
111
 NO_MATCH
222
 NOT_PROCESSED
333
 NOT_PRESENT
444
 NOT_SUPPORTED

 

Billing Address Street AVS Response Gateway Code
Alpha St
 ADDRESS_MATCH
Mike St
 ADDRESS_ZIP_MATCH
Uniform St
 NOT_AVAILABLE
Kilo St
 NAME_MATCH
November St
 NO_MATCH
Zulu St
 ZIP_MATCH
Romeo St
 SERVICE_NOT_AVAILABLE_RETRY
Sierra St
 SERVICE_NOT_SUPPORTED
Love St NAME_ZIP_MATCH
Olive St NAME_ADDRESS_MATCH
0 (Zero) St NOT_REQUESTED

 

Acquirer Link(s) – United Kingdom

Details
Test Cards Card Number 3-D Secure Enrolled
Visa
 4508750015741019 Yes
Visa Debit
 4539791001730106 Yes
Mastercard
 5123456789012346
2223000000000007
 Yes
Maestro
 6759010012345678914 Yes
Mastercard
 5111111111111118
2223000000000023		 No
Visa
 4005550000000001 No
Merchants who are not implementing 3-D Secure can use any of the cards.

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
03 / 28
 DECLINED
04 / 33
 EXPIRED_CARD
01 / 37
 ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
222
 MATCH
444
 NO_MATCH
111
 NOT_PROCESSED
000
 NOT_PRESENT

 

Billing Address Street AVS Response Gateway Code
Whiskey St
 ADDRESS_MATCH
Juliet St
 NO_MATCH
Alpha St
 SERIVCE_NOT_SUPPORTED
X-ray St
 ZIP_MATCH
Mike St
 ADDRESS_ZIP_MATCH

Acquirer Link(s) - Mexico

Details
Test Cards Card Number 3-D Secure Enrolled
Visa
 4012000033330026 No
Mastercard
 5424180279791732
5200030000000004
2223000000000007 		Yes
Visa
 4002260000000000 No
Mastercard
 2223000000000023 No
Merchants who are not implementing 3-D Secure can use any of the cards.

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
04 / 28
 DECLINED
02 / 30
 EXPIRED_CARD
03 / 31
 ACQUIRER_SYSTEM_ERROR
01 / 30
 INSUFFICIENT_FUNDS

 

  • Mexican banks do not currently support CSC/CVV matching. You can pass the CSC/CVV value and it will be processed by the issuer, but a specific match response will not be returned.
  • Address Verification (AVS) is not supported for all acquirers. Check with your payment service provider.

Acquirer Link(s) - France and Germany

Details
Test Cards Card Number 3-D Secure Enrolled
Mastercard
 5123456789012346
2223000000000007
 Yes
Visa
 4012000033330026 No
JCB
 3566007770017510 No
Maestro
 6759010012345678914 Yes

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
01 / 28
 DECLINED
08 / 29
 TIMED_OUT
03 / 28
 EXPIRED_CARD
09 / 29
 ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
 MATCH
111
 NO_MATCH
222
 NOT_PROCESSED
333
 NOT_PRESENT
444
 NOT_PRESENT

 

Billing Address Street AVS Response Gateway Code
Alpha St
 ADDRESS_MATCH
X-ray St
 ADDRESS_ZIP_MATCH
Uniform St
 NOT_AVAILABLE
Whiskey St
 ZIP_MATCH
November St
 NO_MATCH

Cielo Acquirer Link(s) - Brazil

Details
Test Cards Card Number 3-D Secure Enrolled
Mastercard
 5123456789012346
2223000000000007
 Yes
Visa
 4012000033330026 No
JCB
 3566007770017510 No
Maestro
 6759010012345678914 Yes

 

Expiry Date Transaction Response Gateway Code
01 / 39
 APPROVED
01 / 28
 DECLINED
08 / 29
 TIMED_OUT
03 / 28
 EXPIRED_CARD
09 / 29
 ACQUIRER_SYSTEM_ERROR

 

CSC/CVV CSC/CVV Response Gateway Code
000
 MATCH
111
 NO_MATCH
222
 NOT_PROCESSED
333
 NOT_PRESENT
444
 NOT_PRESENT

Gift Cards

Details

Test your integration using the test gift card numbers and response codes provided by your payment service provider.

3-D Secure Authentication

For details on how to test 3-D Secure authentication functionality using a 3DS emulator, see Test 3DS Integration.

Risk Management

If you are enabled for Risk Management you can trigger a specific Risk Gateway Response Code (risk.response.gatewayCode) using a specific value in the Billing Address Street field in the transaction request.

Details

The following is supported for the regions including United States, United Kingdom, Australia, Mexico, France, and Germany:

Billing Address Street Risk Gateway Response Code
ACCEPT
 ACCEPTED
REVIEW
 REVIEW_REQUIRED
REJECT
 REJECTED
REVIEW_REQUIRED is only applicable if you are configured for Service Level 'Silver'.

Dynamic Currency Conversion

Rate Quote

If you are enabled for Dynamic Currency Conversion (DCC) you can submit a Rate Quote request using the RETRIEVE_PAYMENT_OPTIONS operation. Using your Test Merchant Profile you can trigger a RETRIEVE_PAYMENT_OPTIONS response with a specific exchange rate for a specific payer currency based on the card number and currency in the request.

Details

For the RETRIEVE_PAYMENT_OPTIONS operations to perform a rate quote, the request must contain the following:

  • Order currency.
  • Order amount.
  • Card number prefix.

The RETRIEVE_PAYMENT_OPTIONS response will provide:

  • Exchange rate.
  • Payer currency.
  • Payer amount.

The following test card numbers and corresponding currencies can be used in all regions.

Base Currency = USD (US Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
United States Dollar(USD)
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 1.11
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.60
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 13.24
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 61.45
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 1.27
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 7.88
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.73
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 7.76
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 102.67
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 2.32
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 32.32
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 3.27
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 1.10
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 1.19
         
Base Currency = AUD (Australian Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Australian Dollar (AUD)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.90
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.54
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 11.93
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 55.36
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 1.14
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 7.10
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.66
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 6.99
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 92.50
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 2.09
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 29.12
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 2.95
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.99
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 1.07
Base Currency = NZD (New Zealand Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
New Zealand Dollar (NZD)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.84
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.93
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.50
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 11.13
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 51.64
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 1.07
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 6.62
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.61
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 6.52
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 86.28
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 1.95
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 27.16
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 2.75
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.92
Base Currency = SGD (Singapore Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Singapore Dollar (SGD)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.79
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.87
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.47
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 10.43
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 48.39
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 6.20
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.57
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 6.11
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 80.84
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 1.83
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 25.45
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 2.57
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.87
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.94
Base Currency = HKD (Hongkong Dollar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Hong Kong Dollar (HKD)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.13
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.14
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.077
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 1.71
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 7.92
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.16
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 1.02
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.094
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 13.23
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.30
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 4.16
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.42
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.14
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.15
Base Currency = MYR (Malaysian Ringgit)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Malaysian Ringgit (MYR)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.31
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.34
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.18
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 4.05
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 18.79
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.39
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 2.41
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.22
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 2.37
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 31.40
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.71
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 9.88
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.34
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.36
Base Currency = AED (UAE Dirham)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
United Arab Emirates Dirham (AED)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.27
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.30
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.16
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 3.58
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 16.61
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.34
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 2.13
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.20
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 2.10
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 27.75
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.63
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 8.74
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.88
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.30
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.32
Base Currency = QAR (Qatari Riyal)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Qatari Riyal (QAR)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.27
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.30
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.16
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 3.58
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 16.61
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.34
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 2.13
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.20
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 2.10
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 27.75
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.63
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 8.74
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.88
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.30
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.32
Base Currency = ZAR (South African Rand)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
South African Rand (ZAR)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.074
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.082
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.044
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 0.98
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 4.55
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.094
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 0.58
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.054
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 0.57
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 7.60
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.17
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 2.39
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.24
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.081
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.088
Base Currency = NGN (Nigerian Naira)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Nigerian Naira (NGN)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.0050
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.0056
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.0030
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 0.066
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 0.31
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.0064
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 0.039
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.0037
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 0.039
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 0.51
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.012
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 0.16
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.016
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.0055
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.0060
Base Currency = INR (Indian Rupee)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Indian Rupee (INR)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.016
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.018
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.010
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 0.22
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.021
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 0.13
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.012
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 0.13
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 1.67
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.038
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 0.53
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.053
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.018
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.019
Base Currency = IDR (Indonesian Rupiah)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Indonesian Rupiah (IDR)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.000069
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.0.000077
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.000041
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 0.00091
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 0.0042
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.000088
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 0.00054
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.000050
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 0.00054
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 0.0071
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.00016
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 0.0022 
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.00023
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.000076
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.00082
Base Currency = VND (Vietnamese Dong)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Vietnamese Dong (VND)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.000044
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.000049
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.000026
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 0.00058
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 0.0027
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.000056
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 0.00035
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.000032
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 0.00034
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 0.0045
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.00010
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 0.0014
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.00014
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.000048
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.000052
Base Currency = BHD (Bahraini Dinar)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Bahraini Dinar (BHD)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 2.63
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 2.92
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 1.58
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 34.84
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 161.71
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 3.34
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 20.74
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 1.92
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 20.42
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 270.18
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 6.11
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 85.05
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 8.61
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 2.89
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 3.13
Base Currency = PKR (Pakistani Rupee)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Pakistani Rupee (PKR)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.0096
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.011
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.0058
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 0.13
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 0.59
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.012
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 0.076
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.0070
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 0.074
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 0.99
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.022
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 0.31
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.031
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.011
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.011
Base Currency = CNY (Chinese Yuan)
Test Cards Card Number Currency Currency Name Exchange Rate
for Base Currency
Chinese Yuan (CNY)
Visa
Mastercard
 4000009999995865
5100049999999372		 USD US Dollar 0.16
Visa
Mastercard
 4532249999994172
5402159999995430		 AUD Australian Dollar 0.18
Visa
Mastercard
 4107859999994074
5420119999993940		 GBP British Pound 0.10
Visa
Mastercard
 4180779999996392
5288049999998964		 MXN Mexican Peso 2.12
Visa
Mastercard
 4629639999996751
5575549999995185		 INR Indian Rupee 9.83
Visa
Mastercard
 4119089999999842
5256399999998672		 SGD Singapore Dollar 0.20
Visa
Mastercard
 4923079999995763
5221379999994154		 ARS Argentinian Peso 1.26
Visa
Mastercard
 4907449999991296
5490019999991271		 EUR Euro 0.12
Visa
Mastercard
 4541879999990975
5410969999990342		 HKD Hong Kong Dollar 1.24
Visa
Mastercard
 4986689999994675
5438179999994611		 JPY Japanese Yen 16.43
Visa
Mastercard
 4984329999998374
5157439999991796		 BRL Brazilian Real 0.37
Visa
Mastercard
 4546239999992650
5434499999995101		 THB Thai Baht 5.17
Visa
Mastercard
 4563769999994205
5313359999999089		 MYR Malaysian Ringgit 0.52
Visa
Mastercard
 4523369999993056
5192699999999753		 CAD Canadian Dollar 0.18
Visa
Mastercard
 4761209999994625
5191639999996152		 NZD New Zealand Dollar 0.19

The MasterCard Payment Gateway modifies the exchange rate by retaining the first 2 relevant, non-zero values (3.2 in case of MYR) and appending 9s to fill up to 6 significant values. This is to indicate that the returned exchange rate is for test purposes only.

Example: Successful Rate Quote Request

A RETRIEVE_PAYMENT_OPTIONS request for a Test merchant profile with:

  • Card Number: 5313359999999089 (currency of card is MYR)
  • Order Amount: 20 USD

Returns a response with:

  • Payer Currency: MYR
  • Payer Exchange Rate: 3.29999
  • Payer Amount: 20 * 3.29999 = 65.9998 MYR
  • Currency Conversion Gateway Response Code: QUOTE_PROVIDED

To test a negative scenario, provide a RETRIEVE_PAYMENT_OPTIONS request with:

  • A Card Number with a prefix for a valid DCC card type (Visa, Mastercard, or Maestro) that is not in the list of the DCC card numbers (see table above).
  • An Order Amount of 20 KWD, where KWD is a currency which is not in the list of DCC currencies (see table above).

The RETRIEVE_PAYMENT_OPTIONS response will contain the Currency Conversion Gateway Response Code NOT_ELIGIBLE.

DCC Transaction Processing

You can continue testing Authorize/Pay/Capture transactions using the DCC card numbers and the DCC information returned in the RETRIEVE_PAYMENT_OPTIONS response. However, the following is not supported for the DCC test card numbers:

  • Mod 10 check (the DCC test card numbers only pass a Mod 9 check).
  • Test transactions with 3-D Secure (DCC card numbers are not 3DS enrolled).

Automated Clearing House

The MasterCard Payment Gateway provides an emulator that will return a response with response.gatewayCode=APPROVED for all valid requests for Automated Clearing House payments.

Browser Payments

The MasterCard Payment Gateway provides a browser payment simulator to simulate the payment provider's website. For more details, see Testing Browser Payments.

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