Penny Value Simulator
Overview
During development, Moneris provides simulator systems for testing your solution and ensuring your applications and systems are ready to handle transaction responses.
The cent value of the transaction is what determines the response code in the testing environment. For example, a transaction made for an amount of $5.00 OR $1.00 will be approved. The response code returned for an amount other than those listed here is not predictable.
VISA Cards
- Transactions values between $11.00 to $ 50.99, $60.01 to $119.99 and $130.01 to $150.00 will always be approved.
- Transactions values between $51.00 to $60.00 will always be declined with ISO/RESP code 41/421
- Transactions values between $120.00 to $130.00 will always be declined with ISO/RESP Code 54/482
| Simulator Amount | Response Code | Description |
|---|---|---|
| 0.00 | “00/027” | Approved |
| 0.01 | "02/483” | Call for Auth |
| 0.02 | “02/484” | Call for Auth/ Refer – Issue call |
| 0.03 | “03/476” | Declined/Merchant not on file |
| 0.04 | “04/421” | Declined Pick up card [no fraud] |
| 0.05 | “05/481” | Declined |
| 0.06 | “06/050” | Declined |
| 0.07 | “07/421” | Declined Pick up card, special condition [fraud account] |
| 0.08 | "08/004" | Approved/Tran approved with ID |
| 0.09 | “09/078” | Declined System problem/Retry/Duplicate transaction |
| 0.12 | “12/421" | Declined/Invalid transaction |
| 0.13 | “13/476” | Declined/Invalid advice amount |
| 0.14 | “14/421” | Declined Invalid account number [no such number] |
| 0.15 | “15/421” | Declined No such issuer [first 8 digits of account number do not relate to an issuing identifier] |
| 0.19 | “19/476” | Declined/Unable to authorize |
| 0.20 | “81/486” | Declined/Unable to authorize |
| 0.22 | “84/050” | Declined – error 050 |
| 0.23 | "01/027" | Approved/ without balance |
| 0.24 | “91/476” | Declined/Unable to process |
| 0.41 | “41/421” | Declined Lost card, pick up |
| 0.43 | “43/421” | Declined Stolen card, pick up |
| 0.46 | “46/421” | Declined Closed Account |
| 0.51 | “51/481” | Declined/Low funds |
| 0.54 | “54/482” | Declined/Expired card |
| 0.57 | “57/421” | Declined Transaction not permitted to cardholder |
| 0.58 | “58/481” | Declined/Invalid transaction |
| 0.62 | “62/481” | Declined/Restricted |
| 0.68 | “68/113” | System Timeout |
| 0.79 | "R0/422" | Declined Stop payment order |
| 0.80 | "R1/422" | Declined Revocation of authorization order |
| 0.81 | "R3/422" | Declined Revocation of all authorizations order |
| 0.82 | "6P/423" | Declined Verification data Failed |
| 0.83 | "01/027" | Approved |
| 0.84 | "01/027" | Approved |
| 0.91 | “01/027” | Approved – 5 second delay |
| 0.92 | “01/027” | Approved – 10 second delay |
| 0.93 | “01/027” | Approved – 15 second delay |
| 0.94 | “01/027” | Approved – 20 second delay |
| 0.95 | “01/027” | Approved – 25 second delay |
| 0.96 | “01/027” | Approved – 30 second delay |
| 0.97 | “01/027” | Approved – 35 second delay |
| 0.98 | “01/027” | Approved – 40 second delay |
Transactions with penny values of 91 to 98 may behave unexpectedly due to a delay in the response to terminal causing a timeout to occur.
MasterCard and Diners Club Cards
| Simulator Amount | Response Code | Description |
|---|---|---|
| 0.01 | "02/483" | Call For Auth Refer to Card Issuer |
| 0.05 | "05/481" | Declined Do Not Honor |
| 0.08 | "08/004" | Approved/Tran approved with ID |
| 0.14 | "14/477" | Invalid Card Number |
| 0.41 | "41/478" | Hold Card/Call/Capture Lost Card |
| 0.43 | "43/480" | Hold Card/Call/Capture; CAF status |
| 0.75 | "75/481" | Allowable number of PIN tries limit exceeded – Maestro only |
| 0.96 | “96/476” | Invalid transaction, rejected |
Transactions with penny values of 91 to 98 may behave unexpectedly due to a delay in the response to terminal causing a timeout to occur.
AMEX Cards
| Simulator Amount | Response Code | Description |
|---|---|---|
| $5.00 | 50/438 | Transaction not approved DECLINED * DECLINED |
| $5.07 | 53/440 | Transaction not approved REFERRED * CALL AMEX |
| $5.09 | 07/427 | Transaction not approved DECLINED * INVALID MERCHANT |
| $5.11 | 09/429 | Transaction not approved DECLINED * ACCT ERROR-RETRY |
| $5.15 | 51/439 | Transaction not approved DECLINED * SERVICE ERROR |
For AMEX, simulation amount must be exact as mentioned above for decline responses. For approved response, you can send in any even amount (*.00) except $5.00 (e.g. $4.00, $10.00, $65.00…).
Other
Above $11, the following rules apply for VISA Cards:
| Simulator Amount | Response Code | Response |
|---|---|---|
| $11.00 to $50.99 | 01/”027” | Approved |
| $51.00 to $60.00 | 41/421 | Hold/Call/Capture |
| $60.01 to $119.99 | 01/”027” | Approved |
| $120.00 to $130.00 | 54/”482” | Declined/Expired Card |
| $130.01 and above | 01/”027” | Approved |
Transactions performed with the following VISA card numbers will always be approved:
| Card Number | ISO Approval Code |
|---|---|
| 4502285070000007 | 01 |
| 4924190000003750 | 01 |
| 4551210032790206 | 01 |
| 4924190000000145 | 01 |
| 4524000000015080 | 01 |
Transactions performed with the following VISA card numbers will always be declined:
| Card Number | ISO Decline Reason Code |
|---|---|
| 4355310002576375 | 54 |
| 4716091243227333 | 62 |
| 4556462273286718 | 06 |
| 4217048416210847 | 96 |
| 4485621544903528 | 51 |
These responses may change without notice. Moneris Solutions recommends that you check back regularly for possible updates.
The simulator is not designed for load testing. Moneris Solutions asks that no excessive transaction volume be sent to the simulator. Should you wish to test all the penny values listed, we recommend placing at least a two second pause between each transaction request.
Updated 16 days ago