Card Payments

Please note - our QA environment does not handle live card information.

You’re free to conduct your testing with the cardnumbers below. You can use any expdate (must be in the future unless you are trying to test an expired card) and we will return a response just like production.

We've setup a dummy Acquired.com issuing bank for these test cards, you'll find the bin response details at the tops of the tables to let test as many scenarios as possible.

Visa | Non-3DS

We've setup a dummy Acquired.com issuing bank for these test cards, you'll find the bin response details at the tops of the tables to let test as many scenarios as possible.

"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"DEBIT","card_level":"STANDARD","issuing_country":"United Kingdom","issuing_country_iso2":"GB"}
Cardnumber Response Response Message Description
4000011180138710 1 Transaction Success Payment successfully authorised.
4000016746394707 101 Declined Issuer returned a generic decline.
4000018059242036 216 Declined: Invalid AVS Incorrect AVS details entered.
4000014423759144 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
4000014001906836 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
4000016151379482 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
4000010134596825 323 Declined: Restricted Card Issuer rejected the card details submitted.
4000011569002487 324 Declined: CVV Failure Incorrect cvv entered.
4000017492892993 325 Declined: Card Expired Issuer reported that cardnumber has expired.
4000013576680040 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
4000012264949576 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
4000019721988899 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
4000019037876051 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
4000016245503162 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
4000012276149330 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
4000018128021809 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.
"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"CREDIT","card_level":"STANDARD","issuing_country":"United Kingdom","issuing_country_iso2":"GB"}
Cardnumber Response Response Message Description
4000046811673149 1 Transaction Success Payment successfully authorised.
4000049537297763 101 Declined Issuer returned a generic decline.
4000046433222606 216 Declined: Invalid AVS Incorrect AVS details entered.
4000048235234631 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
4000048404058480 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
4000040721412672 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
4000041641536921 323 Declined: Restricted Card Issuer rejected the card details submitted.
4000048625458089 324 Declined: CVV Failure Incorrect cvv entered.
4000041554495909 325 Declined: Card Expired Issuer reported that cardnumber has expired.
4000041749904054 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
4000049984937762 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
4000048750512064 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
4000047876921472 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
4000040960044038 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
4000045441216378 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
4000047574351956 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.
"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"DEBIT","card_level":"STANDARD","issuing_country":"United States","issuing_country_iso2":"US"}
Cardnumber Response Response Message Description
4000993519892747 1 Transaction Success Payment successfully authorised.
4000995725854072 101 Declined Issuer returned a generic decline.
4000993800590067 216 Declined: Invalid AVS Incorrect AVS details entered.
4000993229354939 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
4000995776057104 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
4000994731182065 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
4000996213157242 323 Declined: Restricted Card Issuer rejected the card details submitted.
4000999741064005 324 Declined: CVV Failure Incorrect cvv entered.
4000990493961571 325 Declined: Card Expired Issuer reported that cardnumber has expired.
4000996397018327 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
4000991245818309 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
4000994159024237 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
4000991731771178 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
4000998335964760 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
4000996508013027 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
4000996449523704 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.
"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"CREDIT","card_level":"STANDARD","issuing_country":"United States","issuing_country_iso2":"US"}
Cardnumber Response Code Response Message Description
4000131622851637 1 Transaction Success Payment successfully authorised.
4000132534575595 101 Declined Issuer returned a generic decline.
4000131141747423 216 Declined: Invalid AVS Incorrect AVS details entered.
4000134536224339 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
4000138798902086 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
4000134269431713 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
4000137729537979 323 Declined: Restricted Card Issuer rejected the card details submitted.
4000138014577100 324 Declined: CVV Failure Incorrect cvv entered.
4000130644413210 325 Declined: Card Expired Issuer reported that cardnumber has expired.
4000134512395244 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
4000137980134599 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
4000138045847308 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
4000135125189536 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
4000131952314644 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
4000133177971562 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
4000136397809413 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.

MasterCard | Non-3DS

"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"DEBIT","card_level":"STANDARD","issuing_country":"United Kingdom","issuing_country_iso2":"GB"}
Cardnumber Response Response Message Description
5000015592910969 1 Transaction Success Payment successfully authorised.
5000017962157544 101 Declined Issuer returned a generic decline.
5000018382296342 216 Declined: Invalid AVS Incorrect AVS details entered.
5000014407569102 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
5000011475214538 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
5000016778238522 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
5000013278084365 323 Declined: Restricted Card Issuer rejected the card details submitted.
5000017422973639 324 Declined: CVV Failure Incorrect cvv entered.
5000010641798317 325 Declined: Card Expired Issuer reported that cardnumber has expired.
5000019873191000 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
5000010526322639 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
5000010436189482 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
5000017750815998 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
5000014826703126 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
5000013223277981 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
5000016924609782 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.
"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"CREDIT","card_level":"STANDARD","issuing_country":"United Kingdom","issuing_country_iso2":"GB"}
Cardnumber Response Response Message Description
5000046599739853 1 Transaction Success Payment successfully authorised.
5000041753924466 101 Declined Issuer returned a generic decline.
5000043280359620 216 Declined: Invalid AVS Incorrect AVS details entered.
5000045545483939 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
5000047922250287 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
5000047866516495 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
5000046148993720 323 Declined: Restricted Card Issuer rejected the card details submitted.
5000047117771212 324 Declined: CVV Failure Incorrect cvv entered.
5000040504306536 325 Declined: Card Expired Issuer reported that cardnumber has expired.
5000041660285175 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
5000049374540843 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
5000044547369030 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
5000046258309741 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
5000049392559585 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
5000047094559382 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
5000046289914741 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.
"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"DEBIT","card_level":"STANDARD","issuing_country":"United States","issuing_country_iso2":"US"}
Cardnumber Response Response Message Description
5000995108660572 1 Transaction Success Payment successfully authorised.
5000991915257769 101 Declined Issuer returned a generic decline.
5000990447844409 216 Declined: Invalid AVS Incorrect AVS details entered.
5000992522017323 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
5000992799743437 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
5000997517028896 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
5000998979688474 323 Declined: Restricted Card Issuer rejected the card details submitted.
5000991435797997 324 Declined: CVV Failure Incorrect cvv entered.
5000999622902874 325 Declined: Card Expired Issuer reported that cardnumber has expired.
5000996229126188 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
5000995952044675 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
5000995922166632 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
5000995434497798 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
5000997985518527 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
5000990238731948 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
5000998511165510 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.
"bin":{"issuing_bank":"ACQUIRED.COM","card_category":"CREDIT","card_level":"STANDARD","issuing_country":"United States","issuing_country_iso2":"US"}
Cardnumber Response Response Message Description
5000136033081507 1 Transaction Success Payment successfully authorised.
5000133242557013 101 Declined Issuer returned a generic decline.
5000134576132068 216 Declined: Invalid AVS Incorrect AVS details entered.
5000130393711266 218 Declined: Payment Account Not Found Issuer could not locate the bank account associated with cardnumber.
5000132139687206 251 Declined: Fraudulent Issuer classified transaction as fraudulent.
5000134012625022 321 Declined: Revocation of order by Cardholder Issuer blocked the payment at the request of the cardholder.
5000130507010670 323 Declined: Restricted Card Issuer rejected the card details submitted.
5000132351381660 324 Declined: CVV Failure Incorrect cvv entered.
5000132888102167 325 Declined: Card Expired Issuer reported that cardnumber has expired.
5000131891942742 401 Declined: Fraudulent Issuer regards cardnumber as fraudulent.
5000134184518765 402 Declined: Lost or stolen card Issuer has blocked cardnumber as it has been reported lost or stolen.
5000133701946178 403 Declined: Suspected Fraud Issuer classified cardnumber as potentially fraudulent.
5000135241530446 404 Declined: Fraudulent Bank Block Issuer classified cardnumber as fraudulent.
5000130657836932 405 Blocked:BIN Filter (Type) The type of card used is not permitted on your account.
5000130105576676 406 Blocked:BIN Filter (Level) The card level used is not permitted on your account.
5000130398823074 407 Blocked:BIN Filter (Country) The country that issued the card is not permitted on your account.

Testing 3D Secure

The 3-D Secure process requires that merchants cater for various scenarios.

We have our own 3D Secure emulator that allows testing to take place. Two different cardnumbers can be used to initiate the emulator – one credit and one debit.

To initiate the emulator using a credit card, populate the cardnumber field with 4485600864021418 in the request message.

To test 3D Secure using a debit card, populate the cardnumber field with 4547422155182593.

This returns a 501 response code which triggers our emulator. You can then test responses to the following scenarios:

  • Invalid Response (ACS)
  • Successful Authentication
  • Authentication Acknowledged
  • Incorrect Password
  • Authentication Unavailable
Remember - if you're MCC = 6012, you are only permitted to process debit so no need to test the credit cardnumber