Batch (sFTP) APIs
Integration
The following accounts are accepted by the test server's validation mechanism and thus can be used for preliminary testing (they are also used as a part of the certification process):
| Card Type | Card Number | Expiration Date |
| Visa | 4111111111111111 | 0430 |
| MasterCard | 5499740000000057 | 0430 |
| Discover | 6011000991001201 | 0430 |
| AmEx | 371449635392376 | 0430 |
| Country | Bank Account Number | Token (Simple) | Token (Extended) | Routing Number | Account Type |
| US | 4099999992 | BC11190000010030019992 | XBC00P0000000011190000010030014099009992 | 021000021 | Checking |
| AU | 7694200031 | BC12345667081067830031 | XBC00P0000000012345667081067837694000031 | 093088 | Checking |
| CA | 5682100032 | BC12345644275009280032 | XBC00P0000000012345644275009285682000032 | 053133052 | Checking |
As part of testing, the amount ranges specified below can be used to trigger specific response codes from the server. Any valid account number and properly formatted billing address can be used for the test.
When working with test amount ranges, pay attention to the asterisks in the table below:
*D08/D21 response codes apply only in the cases when CSC/PIN code has been submitted. Otherwise, A01 Approved is returned.
**This range is designated to test partial authorizations. Note that A05 Partially Approved response can be received under the condition if isPartialAuthorization field value is submitted as 1 and transactionIndustryType is submitted as either Retail or Restaurant, otherwise A01 Approved response is received.
***This range is designated to test chargebacks and reversals. In this scenario, the original transition is approved (A01 Approved is received in the response), but after a realtime transaction cycle is closed (batches settled for direct debit), a chargeback (for Z01 code) or chargeback and reversal is generated.
****This range is designated to test rejects. In this scenario, the original transition is approved (A01 Approved is received in the response), but after processing, the reject with D27 response code is generated.
Note:
The amounts ending with 7 (for example, x.x7 dollars) are designated to test chargebacks. In this scenario, A01 approval code is received in the response, but after a realtime transaction cycle is closed, a chargeback is generated with Z02 code.
The amounts ending with 8 (for example, x.x8 dollars) are designated to test chargeback reversals. In this scenario, A01 approval code is received in the response, but after a realtime transaction cycle is closed, a chargeback reversal is generated with Z01 code.
The amounts ending with 7 (for example, x.x7 dollars) are designated to test chargebacks. In this scenario, A01 approval code is received in the response, but after a realtime transaction cycle is closed, a chargeback is generated with Z02 code.
The amounts ending with 8 (for example, x.x8 dollars) are designated to test chargeback reversals. In this scenario, A01 approval code is received in the response, but after a realtime transaction cycle is closed, a chargeback reversal is generated with Z01 code.
Sale/Sale-auth
| Amount Range | Payment Card | Direct Debit | |||
|---|---|---|---|---|---|
| In dollars | In cents | Response code | Response message | Response code | Response message |
| 70.00 – 74.99 | 7000 – 7499 | D01 | Denied by customer's bank | R01 | Insufficient Funds |
| 75.00 – 79.99 | 7500 – 7999 | D02 | Invalid Expiration Date | R02 | Account Closed |
| 75.00 – 79.99 | 7500 – 7999 | D02 | Invalid Expiration Date | R02 | Account Closed |
| 80.00 – 84.99 | 8000 – 8499 | D03 | Insufficient Funds | R03 | No Account |
| 85.00 – 89.99 | 8500 – 8999 | D04 | Hold - Pick up card | R04 | Invalid Account Number |
| 90.00 – 94.99 | 9000 – 9499 | D05 | Invalid card number | R05 | Unauthorized Debit to Consumer Account Using Corporate SEC Code |
| 95.00 – 99.99 | 9500 – 9999 | D06 | No account | R07 | Revoked Authorization |
| 100.00 - 104.99 | 10000 – 10499 | D08* | CSC is invalid | R10 | Advised as Unauthorized, Item is Ineligible, Notice not provided, Signatures not Genuine, or Item Altered, Improper Source Document, Amount of Entry not Accurately Obtained |
| 105.00 - 109.99 | 10500 – 10999 | D09 | Duplicate Transaction | R16 | Account Frozen |
| 110.00 - 114.99 | 11000 - 11499 | D10 | Card reported lost/stolen | R51 | Item is Ineligible; Notice not Provided; Signature Not Genuine; Item Altered; Amount of Entry not Accurately Obtained |
| 115.00 - 119.99 | 11500 - 11999 | D16 | Card is Expired | R99 | Transaction rejected by processor |
| 120.00 - 124.99 | 12000 - 12499 | D17 | Re-enter Transaction | ||
| 125.00 - 129.99 | 12000 - 12499 | D18 | Bad Amount | ||
| 130.00 - 134.99 | 13000 - 13499 | D21* | Pin Try Exceeded | ||
| 135.00 – 139.99 | 13500 – 13999 | D27 | Transaction Error | ||
| 140.00 – 144.99 | 14500 - 14999 | D29 | Card is restricted | ||
| 150.00 – 159.99 | 15000 – 15999 | A05** | Partially Approved | ||
| 160.00 – 169.99 | 16000 – 16999 | Z02*** | Chargeback received | ||
| 170.00 – 174.99 | 17000 - 17499 | D30 | Call for Authorization | ||
| 175.00 – 179.99 | 17500 - 17999 | D33 | Incorrect merchant setup | ||
| 180.00 – 184.99 | 18000 – 18499 | D41 | Processing Error | ||
| 190.00 – 194.99 | 19000 – 19499 | Z01*** | Reversal received | ||
| 195.00 – 199.99 | 19500 – 19999 | D27**** | Transaction Error | ||
Credit (Credit Cards)
When working with test amount ranges, pay attention to the asterisks in the table below:*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.
| Amount Range (in dollars) | Amount Range (in cents) | Response Code | Response Message |
|---|---|---|---|
| 90.00 – 94.99 | 9000 – 9499 | D05 | Invalid card number |
| 95.00 – 99.99 | 9500 – 9999 | D06 | No account |
| 135.00 – 139.99 | 13500 – 13999 | D27* | Transaction Error |
| 180.00 – 184.99 | 18000 – 18499 | D41 | Processing Error |
Credit (Direct Debit)
Note that in scenarios below, the original transaction is approved (A02 Credit Posted code is returned), but after the realtime transaction cycle is closed, the return is generated.| Amount Range (in dollars) | Amount Range (in cents) | Response Code | Response Message |
|---|---|---|---|
| 75.00 – 79.99 | 7500 – 7999 | R02 | Invalid card number |
| 80.00 – 84.99 | 8000 – 8499 | R03 | No Account |
| 85.00 – 89.99 | 8500 – 8999 | R04 | Invalid Account Number |
| 115.00 – 119.99 | 11500 – 11999 | R99 | Transaction rejected by processor |
| Amount Range | Direct Debit | ||
|---|---|---|---|
| In dollars | In cents | Response code | Response message |
| 170.00 – 171.99 | 17000 – 17199 | С01 | Customer's account number is incorrect. |
| 172.00 – 173.99 | 17200 – 17399 | С02 | Customer's routing number is incorrect. |
| 174.00 – 175.99 | 17400 – 17599 | С03 | Customer's routing number and DFI account numbers are incorrect. |
| 176.00 – 177.99 | 17600 – 17799 | С04 | Customer's name is incorrect. |
| 178.00 – 179.99 | 17800 - 17999 | С05 | Customer's account type (Savings/Checking) is incorrect. |
| 180.00 – 181.99 | 18000 – 18199 | С06 | Account number is incorrect and transaction is being routed to the wrong type of account. |
As part of testing, the ZIP codes specified below can be used to trigger specific AVS response codes from the server.
| ZIP Code | AVS Response Code | Response Message |
| 11111 | 00 | AVS Error - Retry, System unavailable or Timed out |
| 22222 | 46 | Street address doesn't match, 5-digit ZIP matches |
| 33333 | 43 | Street address not available (not verified), ZIP matches |
| 44444 | 40 | Address failed |
| 55555 | 4F | Street address and ZIP match |
For testing of account updater mechanism, the following accounts and associated token values can be used:
Additionally, the month value of an expiration date can be used in conjunction with account number/token value to trigger a specific response from the server. To trigger the respective card number or expiration date value update, month value of the expiration date must be changed to the ones listed in the table below:
| Card Brand | Card Number | Token | Updated Card Number | Updated Token |
| Visa | 4111111111111111 | VC84632147254611111111 | 4217651111111119 | VC48963129999944441119 |
| Visa | 4005519200000004 | VC84632147254611130004 | 4012000033330021 | VC84632147254611120021 |
| MasterCard | 5499740000000057 | MC32541698745800570057 | 5149612222222229 | MC57543852138455552229 |
| MasterCard | 5240183220119336 | MC65801093696493369336 | 5545391269367425 | MC65880932249074257425 |
| Discover | 6011000991001201 | DC65874123589012011201 | 6011680682107514 | DC65373768825875147514 |
| Discover | 6488652476636689 | DC65418252544466896689 | 6465524952581795 | DC65419335329617951795 |
| Month | Response Code | Response Message | Updated Data |
| 01 | UA | Account Number Updated | Account number (see the table above for the updated values) |
| 02 | UE | Expiration Date Updated | Expiration date (will be updated using the following template: 03[current year+2]. For example, 0714 will be updated to 0316.) |
| 03 | UN | No Updates | No updates |
| 04 | CC | Contact cardholder | No updates |
| 05 | NN | No Match | No updates |
| 06 | XX | Data unavailable | No updates |
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