Test account numbers

Test account numbers

To help with the testing process we provide a list of account numbers for you to use.

You must not use real credit card numbers in the Test environment.

Test cards

During the testing phase QuickStream will generate a response code based on the credit card number entered.

  • For test card numbers where an expiry date is not specified, any future date may be used.
  • For test card numbers where a CVN is not specified, any 3 digit CVN (for Visa, MC and Diners) and any 4 digit CVN (for Amex) may be used.

Australian merchants

The last 2 digits of the credit card number will map to a particular response code.

  • Any credit card number that ends with a value between 00-89 will result in an approved transaction.
  • Any credit card number that ends with a value between 90-99 will result in a declined transaction.

The table below lists the credit card numbers you can test with and the corresponding response codes are returned.

Visa Logo Visa Test Cards

Last 2 digits of card number Example card number Response code Summary code
00-89 4242424242424242
4111111111111111
4444333322221111
Debit Card: 4041370000456459
08 (Honour with identification) 0 (Transaction Approved)
90 4111111117444490 01 (Refer to card issuer) 1 (Transaction Declined)
91 4111111116444491 04 (Pick-up card) 1 (Transaction Declined)
92 4111111115444492 05 (Do not honour) 1 (Transaction Declined)
93 4111111114444493 91 (Issuer or switch is inoperative) 1 (Transaction Declined)
94 4111111113444494 54 (Expired card) 1 (Transaction Declined)
95 4111111112444495 42 (No universal account) 1 (Transaction Declined)
96 4111111111444496 51 (Not sufficient funds) 1 (Transaction Declined)
97 4111111110444497
Debit Card: 4041370000011197
62 (Restricted card) 1 (Transaction Declined)
98 4111111119444498 43 (Stolen card, pick up) 1 (Transaction Declined)
99 4111111118444499 01 (Refer to card issuer) 1 (Transaction Declined)

Mastercard Logo Mastercard Test Cards

Last 2 digits of card number Example card number Response code Summary code
00-89 5163200000000008
5200000009915957
2224000000031118
Debit Cd. 5188680400000008
08 (Honour with identification) 0 (Transaction Approved)
90 5100000000404390 01 (Refer to card issuer) 1 (Transaction Declined)
91 2229000000002791 04 (Pick-up card) 1 (Transaction Declined)
92 5163200000000792 05 (Do not honour) 1 (Transaction Declined)
93 5500000000101893 91 (Issuer or switch is inoperative) 1 (Transaction Declined)
94 5400000000501994 54 (Expired card) 1 (Transaction Declined)
95 2300000000887995 42 (No universal account) 1 (Transaction Declined)
96 5100000000432896 51 (Not sufficient funds) 1 (Transaction Declined)
97 2710000000011897
Debit Card: 5188683000000097
62 (Restricted card) 1 (Transaction Declined)
98 5200000000022498 43 (Stolen card, pick up) 1 (Transaction Declined)
99 5200000000830999 01 (Refer to card issuer) 1 (Transaction Declined)

Amex Logo Amex Test Cards

Last 2 digits of card number Example card number Response code Summary code
00-89 340000000636513
370000000201048
08 (Honour with identification) 0 (Transaction Approved)
90 340000000075290 01 (Refer to card issuer) 1 (Transaction Declined)
91 370000000024291 04 (Pick-up card) 1 (Transaction Declined)
92 340000000067792 05 (Do not honour) 1 (Transaction Declined)
93 340000000070093 91 (Issuer or switch is inoperative) 1 (Transaction Declined)
94 370000000094294 54 (Expired card) 1 (Transaction Declined)
95 370000000093395 42 (No universal account) 1 (Transaction Declined)
96 340000000089796 51 (Not sufficient funds) 1 (Transaction Declined)
97 370000000092397 62 (Restricted card) 1 (Transaction Declined)
98 370000000064198 43 (Stolen card, pick up) 1 (Transaction Declined)
99 370000000079899 01 (Refer to card issuer) 1 (Transaction Declined)

Diners Logo Diners Test Cards

Last 2 digits of card number Example card number Response code Summary code
00-89 30000000056030
39000000022686
08 (Honour with identification) 0 (Transaction Approved)
90 39000000000690 01 (Refer to card issuer) 1 (Transaction Declined)
91 38000000008991 04 (Pick-up card) 1 (Transaction Declined)
92 39000000003892 05 (Do not honour) 1 (Transaction Declined)
93 30000000008593 91 (Issuer or switch is inoperative) 1 (Transaction Declined)
94 36000000009694 54 (Expired card) 1 (Transaction Declined)
95 38000000004495 42 (No universal account) 1 (Transaction Declined)
96 39000000004296 51 (Not sufficient funds) 1 (Transaction Declined)
97 30000000006597 62 (Restricted card) 1 (Transaction Declined)
98 36000000003598 43 (Stolen card, pick up) 1 (Transaction Declined)
99 38000000003299 01 (Refer to card issuer) 1 (Transaction Declined)

JCB Logo JCB Test Cards

Example card number Expiry Date CVN Response code Summary code
3530000000000003 10/2025 573 00 (Approved or completed successfully) 0 (Transaction Approved)
3530000000000011 10/2025 573 05 (Do not honour) 1 (Transaction Declined)

UnionPay Logo UnionPay Test Cards

Example card number Expiry Date CVN Response code Summary code
6250947000000014 12/2033 123 08 (Honor with identification) 0 (Transaction Approved)

New Zealand merchants

Use the following card details for testing.

Card Number Expiry Date CVN Response Code Test Description
4564710000000004 02/29 847 08 Visa Approved
5163200000000008 08/20 070 08 MC Approved
4564710000000012 02/25 963 54 Visa Expired
4564710000000020 05/20 234 51 Visa Low Funds ($10 credit limit)
5163200000000016 12/29 728 04 MC Stolen
4564720000000037 09/29 030 05 Visa invalid CVV2
5163200000000024 02/29 847 08 34 / 08 Used for Fraud Guard testing. The 34 response will be returned when Fraud Guard is active. Otherwise, 08 will be returned.
5163200000000032 02/29 847 08 34 / 05 Used for Fraud Guard testing. The 34 response will be returned when Fraud Guard is active. Otherwise, 05 will be returned.
376000000000006 06/20 2349 08 Amex Approved
343400000000016 01/29 9023 62 Amex Restricted
36430000000007 06/22 348 08 Diners Approved
36430000000015 08/21 988 43 Diners Stolen
2221000000000009 01/20 009 08 MasterCard in new BIN range
6250947000000014 12/33 123 08 UnionPay

All others cards will return a response code 42 - No Universal Account.

Test bank accounts

To help test your bank account solution QuickStream will generate response codes based on the BSB values. This will give you the ability to test a broad range of scenarios.

To test bank account payments use the BSBs provided in the table below. Each BSB will return a specific response code and summary code.

  • Rejected transactions (summary code '3') represent errors that are identified early on by QuickStream and Westpac. For example, invalid BSB. These transactions will be stopped on day 1. They will not be passed to the customer's bank for processing. They will not appear in the night time Payment Report (or morning Payment Report).
  • Declined transactions (summary code '1') represent errors that are identified by the customer's bank. These transactions are initially reported as approved in a Payment Report (because they pass Westpac's high level error checks), but will later be declined in the morning Payment Report.

The initial summary code for any of the transactions will be represented as '2' but will change to the relevant summary code once processing is complete.

To test approved transactions use a BSB that is not included in the table below. We recommend using a non Westpac BSB such as 650-000.

BSB Example Account Number Response code Summary Code
032-050 111111 R (WBC Exception Processing Error) 3 (Transaction Rejected)
032-051 111110 1 (Invalid BSB Number) 1 (Transaction Declined)
032-052 111112 2 (Payment stopped) 1 (Transaction Declined)
032-053 111114 3 (Account Closed) 1 (Transaction Declined)
032-054 111116 4 (Customer Deceased) 1 (Transaction Declined)
032-055 111118 5 (No Account/Incorrect Account#) 1 (Transaction Declined)
032-056 222223 6 (Refer to Customer) 1 (Transaction Declined)
032-057 111111 7 (No form PDC held) 1 (Transaction Declined)
032-058 111113 8 (Invalid User ID Number) 1 (Transaction Declined)
032-059 111115 9 (Other) 1 (Transaction Declined)
032-999 999994 G (WBC Exception Processing released successfully) 0 (Transaction Successful)
032-002 123465 G (WBC Exception Processing released successfully) 0 (Transaction Successful)