The InstaMed Test Interface validates that the card number is a valid format, the expiration date is in the future and keys off of the requested amount to drive the response. You do not need InstaMed specific test cards. The Test Interface can also generate specific address verification responses keying off of the Zip Code entered at the time of the transaction, and CVV (CVN) based upon the security code (CVN) entered when submitting a sale.
Here are example card numbers that can be used on the test interface:
| Card Brand | Sample Testing Card Number |
|---|---|
| Visa | 4111 1111 1111 1111 |
| MasterCard | 5500 0000 0000 0004 |
| American Express | 3400 0000 0000 009 |
| Discover | 6011 0000 0000 0004 |
The InstaMed Test Interface can be leveraged within any of the InstaMed Developer Portal Consumer or Staff facing Payment Wizards and in any of the sample API reference pages. You will receive InstaMed Test Interface credentials from your InstaMed Implementation Manager as part of any standard project once that request is processed.
Please note, for both the InstaMed Test Interface and production InstaMed merchant interfaces, the Response and Authorization parameters returned in the transaction response are meant to provide additional context for the transaction result, they should not be utilized to indicate a successful or declined transaction. These fields should be treated as variables in your transaction handling to provide additional context for a transaction status and are provided on InstaMed UI receipts. The Test Interface example Responses and Codes provided in the tables in this article are only examples of values that may be returned based on the result of a transaction, response and authorization details will vary in production across the InstaMed platform.
For any transaction status post, InstaMed will provide a Transaction Status parameter that should be used to indicate the result of any primary or secondary transaction. A full list of potential Transaction Status Codes you will receive for primary and secondary transactions on the InstaMed platform for both test and production merchant interfaces are listed in the table below.
| Status Code | Definition | Notes |
|---|---|---|
| C | Approved | Status Code = C will be received in the event of a successful one time or multi-AR payment (IsMultiAR=True), and a successful Refund. For Webhook posting, the TransactionAction will specify whether the action is a sale or refund, and the TransactionType will dictate the type of payment/refund being submitted. Refund actions will return the same TransactionType as the original payment but will generate a new unique PaymentTransactionID/TransactionID. |
| D | Declined | Result of a declined payment attempt. |
| V | Voided | Voids can be initiated on the same business day of the transaction. Voids are only supported for the full transaction amount. Voids will return the same PaymentTransactionID/TransactionID as the initial sale. |
| CB | Chargeback | A Chargeback is a Consumer initiated dispute of a transaction. Exactly like a Refund, a Chargeback will return a unique Transaction ID. Depending on Posting transaction status method being leveraged, Chargebacks may or may not be returned, but are typically handled manually by clients to adjust the original transaction post. |
| RI | Returns | Returns are a denial for an eCheck transaction by the issuing bank. Returns will return a unique PaymentTransactionID. Depending on Posting transaction status method being leveraged Returns may or may not be returned but are typically handled manually by clients to adjust the original transaction post. |
| SE | Settlement Error | N/A for integrated use cases |
| S | Settled | A settled transaction is the natural result of a "C" Approved transaction status following a clients merchant batch time. This is not applicable for real-time posting methods. For Webhook, you will only receive an "S" StatusCode as the result of a post Retry, where a payment that was "C" approved is attempted again after the client's batch cutoff time has passed. |
The test interface behavior by amount, ZIP Code, and CVV (CVN) are detailed in the following tables:
Payment Test Interface Response Messages by Amount
The following decimal dollar amounts will return the corresponding response messages from the Payment Test interface. The test credit card numbers are provided in the table above.
| Amount | Response Message |
|---|---|
| $x.00 | APPROVAL |
| $x.01 | CALL |
| $x.02 | CALL |
| $x.03 | TERM ID ERROR |
| $x.04 | HOLD-CALL |
| $x.05 | DECLINED |
| $x.06 | ERROR |
| $x.07 | HOLD-CALL |
| $x.08 | HONOR WITH ID |
| $x.09 | ACCT LENGTH ERROR |
| $x.10 | PARTIALLY APPROVED $X.00 |
| $x.11 | APPROVED |
| $x.12 | INVALID TRANS |
| $x.13 | AMOUNT ERROR |
| $x.14 | CARD NO. ERROR |
| $x.15 | NO SUCH ISSUER |
| $x.16 | CHECK DIGIT ERROR |
| $x.17 | CID FORMAT ERROR |
| $x.18 | CASHBACK NOT AVL |
| $x.19 | RE ENTER |
| $x.20 | DECLINED |
| $x.21 | NO ACTION TAKEN |
| $x.22 | CVV2 MISMATCH |
| $x.23 | DECLINED |
| $x.24 | INVALID FIELD |
| $x.25 | UNABLE TO LOCATE |
| $x.26 | ERROR |
| $x.28 | NO REPLY |
| $x.30 | CALL |
| $x.31 | CALL |
| $x.33 | EXPIRED CARD |
| $x.34 | CALL |
| $x.35 | CALL |
| $x.36 | CALL |
| $x.37 | CALL |
| $x.38 | PIN EXCEEDED |
| $x.39 | NO CREDIT ACCT |
| $x.40 | CALL |
| $x.41 | HOLD-CALL |
| $x.43 | HOLD-CALL |
| $x.51 | DECLINED |
| $x.52 | NO CHECK ACCOUNT |
| $x.53 | NO SAVE ACCOUNT |
| $x.54 | EXPIRED CARD |
| $x.55 | WRONG PIN |
| $x.56 | NO CARD RECORD |
| $x.57 | SERVICE NOT ALLOWED |
| $x.58 | SERVICE NOT ALLOWED |
| $x.59 | DECLINED |
| $x.60 | CALL |
| $x.61 | DECLINED |
| $x.62 | DECLINED |
| $x.63 | SEC VIOLATION |
| $x.64 | CALL |
| $x.65 | CALL |
| $x.66 | CALL |
| $x.67 | HOLD-CALL |
| $x.68 | CALL |
| $x.75 | PIN EXCEEDED |
| $x.76 | NO ACTION TAKEN |
| $x.77 | NO ACTION TAKEN |
| $x.78 | NO ACCOUNT |
| $x.79 | ALREADY REVERSED |
| $x.80 | DATE ERROR |
| $x.81 | ENCRYPTION ERROR |
| $x.82 | CVV ERROR |
| $x.83 | CANT VERIFY PIN |
| $x.85 | CARD OK |
| $x.86 | CANT VERIFY PIN |
| $x.87 | NO REPLY |
| $x.91 | NO REPLY |
| $x.92 | INVALID ROUTING |
| $x.93 | DECLINED |
| $x.94 | CALL |
| $x.96 | SYSTEM ERROR |
| $x.97 | AMT OVER SVC LMT |
| $x.98 | PLEASE RETRY |
| $x.99 | SEQ ERR PLS CALL |
Zip Code Response Messages
The following zip codes will return the corresponding address verification response messages from the Payment Test interface.
| Zip Code | Response Message |
|---|---|
| 92001 | ADDRESS MATCH |
| 92002 | ADDRESS MATCH |
| 92003 | NO MATCH |
| 92004 | EXACT MATCH |
| 92005 | NOT A MAIL/PHONE ORDER |
| 92006 | EXACT MATCH |
| 92007 | VER UNAVAILABLE |
| 92008 | NO MATCH |
| 92009 | EXACT MATCH |
| 92010 | NO MATCH |
| 92011 | ZIP MATCH |
| 92012 | RETRY |
| 92013 | SERV UNAVAILABLE |
| 92014 | ZIP MATCH |
| 92015 | VER UNAVAILABLE |
| 92016 | ZIP MATCH |
| 92017 | EXACT MATCH |
| 92018 | EXACT MATCH |
| 92019 | ZIP MATCH |
CVV Response Messages
The following CVV (CVN) codes will return the corresponding response messages from the Payment Test interface.
| CVV | Response Message |
|---|---|
| 1 | CVV2 Match |
| 2 | CVV2 Does not match |
| 3 | Not processed |
| 4 | Merchant indicated CVV2 not present |
| 5 | Issuer not certified |
| 6 | Reserved |
| 7 | Invalid CVV1 |
| 8 | Reserved |
Transaction Response Codes
The following authorization response codes will return the corresponding messages from the Payment interface.
| Code | Corresponding Displayed Text | Definition |
|---|---|---|
| 000 | Approval | Approved for capture in batch. |
| 000 | New Account Information | Applies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion. |
| 001 | Referral | Referral |
| 003 | Invld Mer ID | Invalid Merchant number or Subscriber doesn't exist or is inactive. |
| 003 | Declined | Invalid Merchant number or Subscriber doesn't exist or is inactive. |
| 005 | Declined | Declined |
| 005 | DOB Error | Date of Birth error for check processing. |
| 010 | Apprv Lesser Amt | Approved for a lesser amount than what was requested (i.e. partial approval). |
| 012 | Inv Tran | Invalid Transaction. |
| 012 | Inv State Code | Invalid State code for check processing. |
| 012 | Referral-Inv TR1 | More than 76 characters in Track 1 or Track 1 not formatted correctly. |
| 013 | Inv Amt | Invalid Amount |
| 014 | Inv Acct Num | Account Number not on file or Checking Account Number |
| 014 | New Account Information | Applies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion. |
| 014 | Do Not Try Again | Applies to recurring authorizations only. The account number is invalid. |
| 025 | Inv Terminal | Terminal Not Found |
| 028 | Please Retry | File is temporarily unavailable. |
| 051 | Declined | Declined |
| 051 | Inv Acct Num | Invalid Checking Acct Number |
| 051 | Do Not Honor | Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only. |
| 051 | Do Not Try Again | Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: the account was closed, or fraudulent. |
| 051 | New Account Information Available | Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion. |
| 051 | Try Again Later | Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: the account is over the credit limit try again in 72 hours. |
| 054 | Do Not Try Again | Applies to recurring authorizations only. The card has expired. |
| 054 | New Account Information | Applies to recurring authorizations only. The card has expired. |
| 054 | Try Again Later | Applies to recurring authorizations only. The card has expired. Get the new expiration date and try again. |
| 054 | Expired Card | Expired Card |
| 055 | Incorrect Pin | Incorrect Pin |
| 057 | Tran Not Allowed | Transaction Not Allowed |
| 060 | Hold-Call Ctr | Capture Card -- Call Center |
| 061 | Amt Exceeds Lmt | Amount Exceeds Limit |
| 063 | Serv Not Allowed | Service Not Allowed |
| 063 | Declined | For American Express transactions if the CID from the transaction doesn't match the one on file then decline transaction. Transaction not permitted to acquirer or terminal. |
| 063 | Do Not Try Again | Applies to recurring authorizations only. There was security violation. |
| 069 | Host Key Error | Host Key Error |
| 075 | Pin Retry Max | Allowable number of PIN tries exceeded. |
| 075 | Pin Try Exceeded | Allowable number of PIN tries exceeded. |
| 076 | Approval | Approved (non captured). |
| 085 | No Reasn To Decl | No reason to decline. Response Code 85 is applicable for all $0.00 transactions. |
| 089 | Invalid Term ID | Invalid Terminal ID |
| 089 | Declined | Term record not found on First Data system. |
| 091 | Please Retry | Reasons for this error are one of the following: Format Error, Unable to route transaction, Switch or issuer unavailable, System Busy Timeout. |
| 094 | Duplicate Tran | Duplicate Transaction |
| 151 | Declined | VOID ERROR: Payment cannot be voided. |
| 0C2 | CVV2 Declined | Association indicated the transaction was not approved due to mismatch of the CVV2, CVC2, or CID value, but it would have been approved had the value matched. |
| 0CE | System Problem | System Problem |
| 0N3 | Invld Acct2 | Invalid account/date or sales date in future. |
| 0N3 | Declined | Invalid Effective Date |
| 0NG | Rev Rejected | Reversal Rejected cannot parse 400 message. |
| 0NH | Enter Lesser Amt | Enter Lesser Amount |
| 0NI | Pin Xlate Error | Host Security module could not decrypt the PIN block. Master Session: The master key is missing or incorrect in the PIN pad, or the merchant record set-up incorrectly at First Data Host. The Base Derivation key is missing or incorrect in the PIN pad, or is set-up incorrectly in the Host Security Module. |
| 0NJ | Inv Cashback Amt | Cash Back amount greater than total Transaction amount (bit 4). |
| 0NK | Crypto Box Unav | Crypto box is offline. |
| 0NL | Dbt Switch Unavl | Communications link to debit/EBT network gateway is down or responded with a "System Malfunction (96)" message. |
| 0NL | DBT T.O. Retry | Communications link to debit/EBT network gateway is down or responded with a "System Malfunction (96)" message. |
| 0NM | Issuer Unav | Debit/EBT network gateway cannot get through to the ISSUER. |
| 0NN | Undefined Card | Debit/EBT network gateway cannot route card based on Merchant Entitlement |
| 0NP | Dbtsw inv merid | Network Response indicates that Merchant ID/SE is invalid. |
| 0NQ | Tran Ct Excd Lmt | Debit/EBT transaction count exceeds pre-determined limit in specified time/withdrawal limit exceeded. |
| 0NR | Resub Excds Lmt | Resubmission of transaction violates debit/EBT network frequency . |
| 0NS | Dbtsw Pin Xl Err | The authorizing network has a problem decrypting the cryptogram in the request. |
| 0NU | Declined | Insufficient Funds. MasterCard or Check transactions may override standard display for responses. |
| 0RW | Rev Outside Win | Reversal Outside Window. Reversal transaction was received, but the original matching authorization request was processed more than 25 minutes ago and is no longer eligible to be reversed. (applicable to Credit Host Capture only). If the POS has received a RW response (25 minutes after the original authorization), the transaction cannot be reversed (voided). The Merchant must issue a refund/credit, or refund the amount authorized by other means. |