Card Payment Testing

To simulate different scenarios (success and failure) create a payment via API and pass the test scenario in the metadata property.

Currency

The currency field in the examples below uses usd. For CAD testing, use cad instead. The currency must match the currency configured for the sub-account. Sub-accounts are scoped to a single currency type.

Here's an example of how to create a test payment using cURL:

curl -X POST https://api.justifi.tech/v1/payments \
  -H "Authorization: Bearer your_api_key" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1000,
    "currency": "usd",
    "payment_method": {
      "card": {
        "number": "4242424242424242",
        "exp_month": 12,
        "exp_year": 2025,
        "cvc": "123"
      }
    },
    "metadata": {
      "payment_test": {
        "scenario": "insufficient_funds"
      }
    }
  }'

Successful Card Payment

successful_payment

Simulates a successful payment transaction.

Expected Response Containing:

{
  "status": "succeeded",
  "captured": true
  "success": true
}

Failed Card Payment Scenarios

insufficient_funds

Simulates a payment declined due to insufficient funds on the card.

Expected Response Containing:

{
  "error": {
    "code": "card_declined",
    "decline_code": "insufficient_funds",
    "message": "Your card has insufficient funds.",
    "network_error_code": "116"
  }
}

`expired_card``

Simulates a payment with an expired card.

Expected Response Containing:

{
  "error": {
    "code": "card_declined",
    "decline_code": "expired_card",
    "message": "Your card has expired.",
    "network_error_code": "101"
  }
}

invalid_card_number

Simulates a payment with an invalid card number.

Expected Response Containing:

{
  "error": {
    "code": "card_declined",
    "decline_code": "invalid_card_number",
    "message": "The card number is invalid.",
    "network_error_code": "131"
  }
}

invalid_cvc

Simulates a payment with an invalid CVC/security code.

Expected Response Containing:

{
  "error": {
    "code": "card_declined",
    "decline_code": "invalid_cvc",
    "message": "Your card's security code is invalid.",
    "network_error_code": "517"
  }
}

do_not_honor

Simulates a generic card decline from the issuer.

Expected Response Containing:

{
  "error": {
    "code": "card_declined",
    "decline_code": "do_not_honor",
    "message": "The card was declined.",
    "network_error_code": "005"
  }
}

restricted_card

Simulates a payment with a restricted card.

Expected Response Containing:

{
  "error": {
    "code": "card_declined",
    "decline_code": "restricted_card",
    "message": "Your card has been restricted.",
    "network_error_code": "102"
  }
}

exceeds_card_limit

Simulates a payment that exceeds the card's limit.

Expected Response Containing:

{
  "error": {
    "code": "card_declined",
    "decline_code": "exceeds_card_limit",
    "message": "The amount exceeds your card's limit.",
    "network_error_code": "121"
  }
}

gateway_error

Simulates a payment processing error at the gateway level.

Expected Response Containing:

{
  "error": {
    "code": "gateway_error",
    "decline_code": null,
    "message": "An error occurred while processing your payment. Please try again.",
    "network_error_code": "963"
  }
}

gateway_timeout

Simulates a gateway timeout error.

Expected Response:

{
  "error": {
    "code": "gateway_timeout_error",
    "decline_code": null,
    "message": "The payment gateway timed out. Please try again."
  }
}

Additional Card Scenarios

card_blocked

Simulates a payment with a blocked card.

incorrect_pin

Simulates a payment with an incorrect PIN.

new_card_issued

Simulates a decline because a new card has been issued.

do_not_retry

Simulates a decline that should not be retried.

account_closed

Simulates a payment with a card from a closed account.

pin_required

Simulates a transaction that requires PIN verification.

pin_tries_exceeded

Simulates a scenario where PIN attempt limit has been exceeded.

amount_too_large

Simulates a payment with an amount that's too large to process.

amount_too_small

Simulates a payment with an amount that's too small to process.

invalid_expiry_month

Simulates a payment with an invalid expiration month.

invalid_expiry_year

Simulates a payment with an invalid expiration year.

invalid_charge_amount

Simulates a payment with an invalid charge amount format.

service_not_allowed

Simulates a transaction type that is not allowed.

issuer_not_available

Simulates when the card issuer is temporarily unavailable.

currency_not_supported

Simulates a payment with an unsupported currency.

three_d_secure_not_supported

Simulates a card that doesn't support 3D Secure authentication.

test_mode_live_card

Simulates the error when trying to use a real card number in test mode.

generic_decline

Simulates a generic payment decline with no specific reason.

generic_error_change_info

Simulates a generic error with a network error category and a message indicating that the card information needs to be updated.

generic_error_do_not_retry

Simulates a generic error with a network error category and a message indicating that the payment should not be retried.

generic_error_please_retry

Simulates a generic error with a network error category and a message indicating that the payment should be retried.

Webhook Events

The events related to each test payment created will be sent to the configured webhooks on the test account.