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 card numbers in the Test environment.
Test cards
During the testing phase QuickStream will generate a response code based on the 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 card number will map to a particular response code.
- Any card number that ends with a value between 00-89 will result in an approved transaction.
- Any card number that ends with a value between 90-99 will result in a declined transaction.
The table below lists the card numbers you can test with and the corresponding response codes are returned.
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 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 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 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 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 Test Cards
| Example card number | Expiry Date | CVN | Response code | Summary code |
|---|---|---|---|---|
| 6250947000000014 | 12/2033 | 123 | 08 (Honor with identification) | 0 (Transaction Approved) |
There are currently no UnionPay test cards that return a declined response.
3DS2 Test Cards
| Example card number | Expiry Date | CVN | Result | Test |
|---|---|---|---|---|
| MC: 5555550000000002 Visa: 4748380000000005 |
Any | Any - 3 Digits | transStatus = N transStatusReason = 05 (Expired card) |
3DS2 rejection |
| MC: 5555550000000044 Visa: 4748380000000047 |
Any | Any - 3 Digits | transStatus = R transStatusReason = 10 (Stolen card) |
3DS2 rejection |
| MC: 5555550000000010 Visa: 4748380000000013 |
Any | Any - 3 Digits | transStatus = U transStatusReason = 06 (Invalid card number) |
3DS2 unknown card |
| MC: 5555550000000028 Visa: 4748380000000021 |
Any | Any - 3 Digits | transStatus = A | 3DS2 card accepted |
| MC: 5555550000000036 Visa: 4748380000000039 |
Any | Any - 3 Digits | transStatus = C acsChallengeMandated = Y authenticationType = 02 (Dynamic) |
3DS2 challenge frame shown |
| Any other value | Any | Any - 3 Digits | transStatus = Y eci = 05 |
3DS2 passed |
There are currently no Amex test cards for 3DS2 as the service is not available.
New Zealand merchants
Use the following card details for testing.
| Card type | Card number | CVV |
|---|---|---|
| Mastercard | 5123450000000008 | 100 |
| Mastercard | 2223000000000007 | 100 |
| Mastercard | 5111111111111118 | 100 |
| Mastercard | 2223000000000023 | 100 |
| Visa | 4508750015741019 | 100 |
| Visa | 4012000033330026 | 100 |
| American Express | 345678901234564 | 1000 |
| American Express | 371449635398431 | 1000 |
This list of expiry dates allows testers to trigger specific transaction responses.
| Expiry date | Transaction response |
|---|---|
| 01 / 39 | Approved or completed successfully (00) |
| 01 / 29 | Approved or completed successfully (00) |
| 05 / 39 | Do not honour (05) |
| 04 / 27 | Expired card (54) |
| 08 / 28 | Response received too late (68) |
| 01 / 37 | Do not honour (05) (ACQUIRER_SYSTEM_ERROR) |
| 02 / 37 | Do not honour (05) (UNSPECIFIED_FAILURE) |
| 05 / 37 | Do not honour (05) (UNKNOWN) |
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) |