Card Payment Testing

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

Webhook Events

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