Last updated: 29 October 2025 | Change log
Test your Payments API integration in the Try environment using a combination of cardholder and card number test values. Send requests and see simulated responses.
As you can enable features such as 3DS, FraudSight or auto settlement, the outcome of the scenarios below changes based on the configuration you have in place.
Using Worldpay Tokens
If you're creating tokens containing the test card numbers, you must delete the token before creating another with the same PAN. You are prevented from creating another token using the same PAN. As an alternative, you can also change the tokenCreation.namespace used as part of the token creation.
- To simulate the different values (e.g. cvc, avs, response code) the issuer can return in the payment response see Issuer Response Test Values.
- All unknown
cardHolderNamevalues (e.g. Bob) treat the payment asauthorizedby default.
| Test scenario | Description | cardHolderName | cardNumber | Outcomes |
|---|---|---|---|---|
| Authorized | Authorized by issuer | AUTHORISED | Schemes:
| authorized or sentForSettlement (if settlement.auto is enabled) |
| Refused | Refused by issuer | REFUSED | Schemes:
| refused |
Input these magic values in your paymentInstrument.cardHolderName parameter.
| Magic value | Result code | Result description |
|---|---|---|
| AUTHORISED | N/A | AUTHORISED |
| ERROR | N/A | ERROR |
| REFUSED | N/A | REFUSED |
| REFUSED4 | 4 | HOLD CARD |
| REFUSED5 | 5 | REFUSED |
| REFUSED8 | 8 | APPROVE AFTER IDENTIFICATION |
| REFUSED13 | 13 | INVALID AMOUNT |
| REFUSED15 | 15 | INVALID CARD ISSUER |
| REFUSED17 | 17 | ANNULATION BY CLIENT |
| REFUSED28 | 28 | ACCESS DENIED |
| REFUSED29 | 29 | IMPOSSIBLE REFERENCE NUMBER |
| REFUSED33 | 33 | CARD EXPIRED |
| REFUSED34 | 34 | FRAUD SUSPICION |
| REFUSED38 | 38 | SECURITY CODE EXPIRED |
| REFUSED41 | 41 | LOST CARD |
| REFUSED43 | 43 | STOLEN CARD, PICK UP |
| REFUSED51 | 51 | LIMIT EXCEEDED |
| REFUSED55 | 55 | INVALID SECURITY CODE |
| REFUSED56 | 56 | UNKNOWN CARD |
| REFUSED57 | 57 | ILLEGAL TRANSACTION |
| REFUSED62 | 62 | RESTRICTED CARD |
| REFUSED63 | 63 | SECURITY RULES VIOLATED |
| REFUSED75 | 75 | SECURITY CODE INVALID |
| REFUSED76 | 76 | CARD BLOCKED |
| REFUSED85 | 85 | REJECTED BY CARD ISSUER |
| SOFT_DECLINED | 65 | AUTHENTICATION REQUESTED |