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Testing

Penny Value Simulator

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
Transactions from $0.00 to $9.99 use the following cent value table:
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.

Interac Card Present

Purchase and Pre-Auth Amounts
Purchase Amount Entered Pre-Auth Amount Entered Response Code ISO/Moneris Notes
$X.73 00/001 Authroization number will be 000000
$1.01 $81.00
$1.02 $82.00 Incorrect ARPC data – Card will decline transaction Not applicable to ICC test card
$1.03 $83.00 51/076 Insufficient funds
$1.04 $84.00 52/060 No chequing account
$1.05 $85.00 53/060 No savings account
$1.06 $86.00 54/051 Expired card
$1.07 $87.00 96/074 System malfunction
$1.08 $88.00 05/058 Do not honour
$1.09 $9.00 05/058 Card Cancelled - Contactless only
$1.10 $90.00 68/810 No issuer response (receiving response timeout)
$1.11 $91.00 00/001 1 issuer script 1 command tag ‘71’, ’application unblock’
$1.12 $92.00 00/001 1 issuer script 3 command tag ‘71’, ’application unblock'
$1.13 $13.00 51/076 Insufficient funds - Contactless only
$1.14 $94.00 00/001 1 issuer script 1 command tag ‘72’, ’application unblock’
$1.15 00/001 1 issuer script 3 commands tag ‘72’, ’application unblock’
$1.17 91/074 Issuer Not online
$1.18 $99.00 55/201 Bad PIN
$1.21 51/076 1 issuer script 1 command tag ‘71’, ’application unblock’
$1.22 51/076 1 issuer script 1 command tag ‘71’
$1.24 51/076 1 issuer script tag ‘72’
$1.25 51/076 1 issuer script 3 commandtag ‘71’
$1.33 $96.00 00/001 1 issuer script 1 commandtag ‘71’, ’Pin Change / Unblock’
$1.34 $93.00 00/001 1 issuer script 1 command tag ‘72’, ’Pin Change / Unblock'
$1.40 40/056 No POS access
$1.41 41/909 Hold Card/Gardez la carte
$1.44 00/001 1 issuer script 4 commands  tag '72', 'application unblock’
$1.45 $95.00 00/001 1 issuer script 5 commands  tag '72', ’application unblock’
$1.57 57/056 Not Approved No POS Access
Refusée Pas Acces Au TPV
$1.58 58/055 Edit error
$1.59 59/050 Declined/Refusee
$1.61 $71.00 61/095 Limit exceeded, refer to branch
$1.62 62/059 Card use limited, refer to branch
$1.65 65/082 Usage Exceeded Refer To Branch
Usage Excédée Voyez Votre Suc
$1.75 75/052 Pin tries exceeded
$1.82 82/878 PIN Error Please Re-Try
NIP Erroné Recommencez S.V.P.
$1.88 88/074 Any Interac EMV Cards
$1.89 $89.00 89/074 Move to another interface
Only applicable to contactless transaction
$1.92 92/105 Invalid Card Refer To Branch
Carte Non Valide Voyez Votre Suc
$1.94 $74.00 14/064 Invalid card # (bad track 2)

MasterCard and Diners Club Cards

Transactions from $0.00 to $9.00 use the following cent value table:
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.

Merchant Advice Code

Simulator Amount Response Code Merchant Advice Code Description
$4,840.00 0 40 Transaction with Non reloadeable BIN- Purchase - Approved
$4,845.00 5 40 Transaction with Non reloadeable BIN- Purchase - Declined
$4,840.00 0 40 Transaction with Non reloadeable BIN- Pre authorization - Approved
$4,845.00 5 40 Transaction with Non reloadeable BIN- Pre authorization - Declined
$4,841.00 0 41 Transaction with Single use VCNs BIN- Purchase - Approved
$4,851.00 5 41 Transaction with Single use VCNs BIN- Purchase - Declined
$4,841.00 0 41 Transaction with Single use VCNs  BIN- Pre authorization - Approved
$4,851.00 5 41 Transaction with Single use VCNs BIN- Pre authorization - Declined
$4,855.00 5 5 Purchase/Pre-auth transaction - declined
$4,821.00 5 21 Purchase/Pre-auth  transaction - declined
$4,822.00 5 22 Installment transaction declined
Transactions with penny values can be performed with any Mastercard account.

Mastercard Rejection Codes

Simulator Amount Rejection Code ISO CODES Description
$51.24 493 51 Retry after 1 hour
$51.25 494 51 Retry after 24 hours
$51.26 495 51 Retry after 2 days
$51.27 496 51 Retry after 4 days
$51.28 497 51 Retry after 6 days
$51.29 498 51 Retry after 8 days
$51.00 499 51 Retry after 10 days
Transactions with penny values can be performed with any Mastercard account.

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…).

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 to $130.99 00/027 Approved
$131.00 R0/422 Declined Stop payment order
$131.01 and above 00/027 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
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.
These responses may change without notice. Moneris Solutions recommends that you check back regularly for possible updates.