Testing

The In-Store Payments testing process involves physical hardware and test scripts. An Integration Agent is assigned to you to assist you during the process.

Integration process

At the beginning of the project, the Integration Support Team coordinates and ships test hardware to you. Test hardware is pre-configured with the appropriate software and credentials to begin testing with Payment Terminal Application.

For supported devices, refer to Payment terminals.

Order test cards

J.P. Morgan partners with B2 to offer several discounted test card sets. Order EMV test cards for J.P. Morgan

Decorative image for client UAT test cards kit

Validation process

Complete a test script to demonstrate your usage of the payment API. This review process is also an excellent opportunity to correct any issues before moving to the production environment.

Test amounts and responses

The following table lists specific transaction amounts that can be used with test cards to trigger specific responses from the host system. Use the following test amounts to simulate different error conditions and responses to test and validate the behavior of card transaction systems under various conditions. Test decline and error scenarios to help ensure that your application can handle errors, verify cardholder information, and process transactions accuretely and securely.

Host capture error responses
Amount	Error text	Error number	Bit 39	Comments
$x.01	AUTH DECLINED	99001	05
$x.02	CALL VOICE OPER	99002	01
$x.03	HOLD - CALL	99003	04
$x.04	CALL VOICE OPER	99004	19
$x.05	INVALID CARD NUMBER	99005	14
$x.06	INVALID EXPIRY DATE	99006	54
$x.07	INVALID ICA NUMBER	99007	15
$x.08	INVALID ABA NUMBER	99008	15
$x.09	INVALID PIN NUMBER	99009	38
$x.10	INVALID MERCHANT	99010	03
$x.11	INVALID TERMINAL NUMBER	99011	03
$x.12	INVALID AMOUNT	99012	13
$x.13	INVALID STATE CODE	99013	12
$x.14	DECLINE	99014	01
$x.15	CALL VOICE OPER	99015	01
$x.16	LOST/STOLEN CARD	99016	43
$x.17	INVALID PIN	99017	38
$x.18	OVER CREDIT FLOOR	99018	01
$x.19	REQUEST DENIED	99019	05
$x.20	NOT ONLINE TO AUTH	99020	01
$x.21	DOWN - PLS RETRY	99021	19
$x.22	AUTH. DECLINED	99022	05
$x.23	INVALID PIN NO	99023	38
$x.24	AUTH. DECLINED	99024	05
$x.25	CARD NOT ALLOWED	99025	57
$x.59	DECLINED PER CARDHOLDER		17
$x.92	DOWN - PLS RETRY	99092	19
$x.93	BU.SY - PLS RETRY	99093	19
$x.94	BU.SY - PLS RETRY	99094	19
$x.97	ERROR - RETRY	99097	19
$x.98	ERROR - RETRY	99098	19
$x.99	ERROR - RETRY	99099	19
$19.58	returns a D in the Auth Code	NA		VISA ONLY
>$999,999.99	INVALID FIELD IN MESSAGE	41071	30	Host max amount is 999,999.99
$98.26 – $98.91	PSERV=N Downgrade Reason = NP	NA		VISA ONLY
>$10	Approves for $10 less than original			Debit Only

Address Verification Service (AVS) zip rules

The following tables provide codes and descriptions for AVS and CVD responses. AVS checks the billing address provided by the cardholder against the address on file with the card issuer, while CVD verifies the card's security code. Use these codes to ensure that the system correctly processes and responds to address and card verification checks.

The AVS result codes return one of two possible responses:

Approval: AVS returns an approved address verification response if the street address and zip matches the address on file with the card issuer.
Referral: AVS returns a referral response when the transaction is approved, but the street address and/or zip does not match the address and/or zip on file with the card issuer.

AVS zip rules
AVS result code	Visa/MC/Amex/approval/referral response	Discover approval/referral	Zip code to use
A	Referral	Approval	11111
E	Approval	Approval	22222
N	Referral	Referral	33333
R	Referral	Approval	44444
U	Approval	Referral	55555
Y	Approval	Referral	66666
Z	Approval	Approval	77777
G	Approval	Approval	88888

Address Verification Service (AVS) response codes

The AVS response codes in the following table are supported by the various authorization networks. Not all codes are supported or used by all networks. Check the appropriate network column to determine if the code is supported.

Attention

If the Issuer supports the validation of nine digit Postal Codes, an AVS response of X is provided for a full address match. If the Issuer only validates five digit Postal Codes, the system provides an AVS Response of A for a full address match, even if the Merchant/Acquirer submits the nine-digit Postal Code in the AVS request.

AVZ response codes
Zip code	Response code	Visa description	Mastercard description	Discover description	Amex description
11111	A	Address matches, ZIP code does not	Address matches, ZIP code does not	Address and 5-digit ZIP code match	Address only is correct
44445	B	Address matches, ZIP not verified.
66667	C	Address and ZIP code not verified due to incompatible formats.
77778	D	Address and ZIP code match (International only)
TBD	F	Address and ZIP code match (UK only) Address and/or ZIP code match (US AFT only)
88888	G	Address not verified for International transaction (International only)		Address info not verified for international transaction
88889	I	Address not verified (International only)
22222	M	Address and ZIP code match (International only)
33333	N	Neither the ZIP nor the address matches	Neither the ZIP nor the address matches	Neither the ZIP nor the address matches	Neither the ZIP nor the address matches
55556	P	ZIP matches, address not verified
44444	R	Issuer's authorization system is unavailable, try again later (Domestic only)	Retry, system unable to process		System unavailable; retry
11112	S	AVS not supported at this time (Domestic only)	AVS not supported at this time	AVS not supported at this time	AVS not supported at this time
11113	T			9-digit ZIP code matches, but address does not
55555	U	Unable to perform address verification because either address information is unavailable or Issuer does not support AVS (Domestic only)	No data from issuer/Authorization system	Retry, system unable to process	The necessary information is not available, account number is neither US nor Canadian
22223	W		For US addresses: 9-digit ZIP code matches, but address does not For non-US addresses: ZIP code matches, but address does not	No data from issuer/authorization system
33334	X		For US addresses: Exact 9-digit ZIP code match and address match For non-US: exact postal code and address match	Address and 9-digit ZIP code match*
66666	Y	Address & 5-digit or 9-digit ZIP match (Domestic only)	For US: Exact 5-digit ZIP code and address match	Address only matches	Yes, address and ZIP code are both correct
77777	Z	Either 5-digit or 9-digit ZIP matches, but address does not or is not included in request	5-digit ZIP code matches, but address does not	5-digit ZIP code matches, but address does not	ZIP code only is correct
D6C1Z7	A	Address matches, ZIP code does not	Address matches, ZIP code does not	Address and 5-digit ZIP code match	Address only is correct
F0S1J0	B	Address matches, ZIP not verified.
D0L1C0	C	Address and ZIP code not verified due to incompatible formats.
Q5G4S4	D	Address and ZIP code match (International only)
N/A	F	Address and ZIP code match (UK only) Address and/or ZIP code match (US AFT only)
W4K5W4	G	Address not verified for International transaction (International only)		Address info not verified for international transaction
Z6T3R5	I	Address not verified (International only)
K0D2T0	M	Address and ZIP code match (International only)
L5F2C9	N	Neither the ZIP nor the address matches	Neither the ZIP nor the address matches	Neither the ZIP nor the address matches	Neither the ZIP nor the address matches
M1U4P5	P	ZIP matches, address not verified
K0G1D0	R	Issuer's authorization system is unavailable, try again later (Domestic only)	Retry, system unable to process		System unavailable; retry
M1T3F3	S	AVS not supported at this time (Domestic only)	AVS not supported at this time	AVS not supported at this time	AVS not supported at this time
K0A1U0	T			9-digit ZIP code matches, but address does not
D0N2T0	U	Unable to perform address verification because either address information is unavailable or Issuer does not support AVS (Domestic only)	No data from issuer/Authorization system	Retry, system unable to process	The necessary information is not available, account number is neither US nor Canadian
W0C1R0	W		For US addresses: 9-digit ZIP code matches, but address does not. For non-US addresses: ZIP code matches, but address does not	No data from issuer/authorization system
Z0J1P0	X		For US addresses: Exact 9-digit ZIP code match and address match. For non-US: exact postal code and address match.	Address and 9-digit ZIP code match*
T5T4D2	Y	Address & 5-digit or 9-digit ZIP match (Domestic only)	For US: Exact 5-digit ZIP code and address match	Address only matches	Yes, address and ZIP code are both correct
V0B1U0	Z	Either 5-digit or 9-digit ZIP matches, but address does not or is not included in request	5-digit ZIP code matches, but address does not	5-digit ZIP code matches, but address does not	ZIP code only is correct

Card verification data (CVD) response codes

Use a non-trigger amount in your transaction if you wish to receive the appropriate CVV code in the response.

CVD response codes
CVD entry	Description	Response code
111	Match	M
222	No Match	N
333	Not Processed	P
444	Should have been present	S
555	Issuer unable to process request	U
666	None	None
777	Decline Tran	N
2222	Match (Amex only)	Y
1111	No Match (Amex only)	N
9999	Not Processed (Amex only)	U
Unknown		N

Presence/response codes

Presence/response codes
Presence code	Description	Response code
0	Value deliberately bypassed or not provided. Do not send CVV2/CVC2/CID data to host if not provided or bypassed. Field value is information only.	P
1	Value provided (This is the default value).	N
2	Value on card but illegible.	S
9	Cardholder states data not available.	U