UnionPay International - ExpressPay

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Testing

• Using test card generator
• Testing scenarios

Test card generator

You can use our Test card generator and API Reference to create payments and receive responses based on your selected test scenarios. You can use our API Explorer to test your integration. Testing is available only in pre-production. To activate our advanced Card-based Payment Testing Simulator on your merchant ID, contact our boarding team. 

To validate your integration, you can select the card payment product you want to test as well as the outcome of the test case you want to validate. Based on your selection, you will receive a card number and additional details you can put in your API request. 

Follow these simple steps to start testing:

1. Select payment product for which you want to generate test data. Test data is only available for payment products configured with your merchant ID.
2. Select issuing country. This shows the card issuer's country where the account is registered, which determines 3D Secure usage. If your country isn't listed, select one from the same region (in brackets) for similar payment processing behavior.

1. Specify card type. Card types are distinguished based on their features and usage. These types determine the card's functionality, such as the processing flow or associated benefits. System will automatically choose the default value if no selection is made.
2. Select co-badged scenario if required. Co-badged cards feature several payment brands, allowing acceptance through the networks of each brand and increasing versatility.

• This field will be enabled or disabled for selection depending on the payment product chosen.

1. Choose a 3D Secure & Strong Customer Authentication (SCA) testing scenario. This enhances online card transaction security with additional verification steps:

• Authentication type: Indicates the 3D Secure process, where the issuer may request additional data from the consumer during transactions.
• Authentication result: Shows the issuer's authentication level, affecting liability and next steps.
• Exemption result: Indicates if a transaction can skip extra authentication steps in 3D Secure based on its risk assessment.

1. Select fraud management testing scenario:

• CVV result: Response from the card issuer when the Card Verification Value (CVV) is submitted during the authorization.
• AVS result: Address Verification Service (AVS) compares the cardholder's billing address with the issuer. It's mainly used for cards from the US, Canada, UK, and France.
• Fraud service result: Our tool evaluates transactions for risk and flags suspicious activities, with results displayed in the API response.
• System will automatically choose the default value if no selection is made.

1. Choose authorization result to test if the card issuer approves or declines your transaction request. The result will be shown in the API response:

• Successful: Transaction is approved and authorized.
• Unsuccessful: Transaction is declined or rejected.
• System will automatically choose "Successful" as default value if no selection is made.

1. Select authorization scenario for unsuccessful results. These are provided when the issuing bank declines an authorization request.

• This field will be available for selection when authorization result has been chosen as "Unsuccessful".
• System will automatically choose the default value if no selection is made.

1. Specify refund scenario by selecting how the API should respond when processing refunds for this test card:

• This field will be available for selection when authorization result is "Successful".
• System will automatically choose "Successful" as default value if no selection is made.

1. Generate test card. Click on "Generate" button to generate test card and other test data based on your selected testing scenario. To generate new test with new properties, you can reset your selection. Use this test card and other generated test data in your hosted checkouts or S2S API request towards Worldline and receive the response for the chosen scenario.
2. Reset for new scenario. If you want to generate a new test scenario, click on the "Reset" button and choose new test card and data corresponding to a new test scenario.

Test scenarios

The testing process is designed the way that any scenario not specified below will automatically result in a positive test case. The system operates exclusively based on transaction amounts. The card number, CVV, expiry date, and currency are irrelevant for these test cases. Any card details provided below can be used across all test scenarios.