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Test Scenarios

This section provides comprehensive guidance on executing a variety of test scenarios using our Mock PSP. These scenarios enable you to simulate specific behaviors and responses within the payment flow to thoroughly validate your integration.

Testing 3D Secure Authentication

You can verify the handling of 3D Secure flows through the following test cases:

  • Frictionless Flow: Simulate a seamless authentication experience where the cardholder is authenticated without additional challenges.
  • Challenge Flow: Simulate scenarios where the cardholder is prompted to complete an additional authentication step, such as entering a one-time password or biometric verification.

Simulating Specific Response Scenarios

The mock PSP allows you to test how your system responds to various error conditions and fallback cases, including:

  • Authentication Request Failed (310070): Simulate failures occurring during the initial authentication request to evaluate your system’s error handling.
  • Insufficient Funds (420100): Test the scenario where the cardholder’s account does not have enough funds to complete the transaction.
  • Soft Decline (420150): Simulate a temporary decline response, allowing you to validate retry logic or alternative flows.
  • PSP Downtime (420410): Emulate situations where the PSP is temporarily unavailable, testing your system’s resilience and fallback mechanisms.
  • Tokenization Failed (221420): Simulate failures during the tokenization process to ensure appropriate error capture and response.
  • Risk Rejection (420030): Test the handling of transactions declined due to risk or fraud detection triggers.

Request requirements

In the table below you can find all available scenarios you can test with Mock PSP together with values you need to use in your request for each scenario.

Fallback Type Field Value
Frictionless amount < 1000
authentication_indicator ask_3ds | force_3ds
Challenge amount > 1000
authentication_indicator ask_3ds | force_3ds
Authentication request failed amount 310070
authentication_indicator ask_3ds | force_3ds
Insufficient funds amount 420100
Soft decline amount 420150
PSP down amount 420410
Tokenization failed amount 221420
Risk rejection amount 420030

To properly test the scenarios, you need to pass the merchant_contract parameter with the Merchant Contract ID of the Mock PSP. Learn how to find the Merchant Contract ID here.


Request samples

Below you will find request samples to help you simulate scenarios described above.

  • For testing with Hosted Payment Page, you only need to create checkout and complete the payment flow on the redirect_url received in the response to creating checkout. This url sends you to the hosted payment page, where you can use one of our test cards to finalize the payment.

  • For testing with Hosted Elements, your integration needs to create the checkout and the hosted elements will be loaded in your payment page. Please use one of our test cards to finalize the payment after which we proceed with the tokenization. As a final step your integration creates the order and, depending on the scenario you are testing, you will either receive the final order status in the response when creating the order (eg. Insufficient funds) or, if you are testing 3DS Challenge flow, you will receive a redirect_url to the simulate the authentication result.

  • For testing with direct API, first you need to created the checkout, followed by the tokenization and finally the order. Depending on the scenario you are testing you will either receive the final order status in the response when creating the order (eg. Insufficient funds) or, if you are testing 3DS Challenge flow, you will receive a redirect_url to the simulate the authentication result.

Frictionless Flow

Hosted Payment Page

Request to /payment/checkout

  • amount < 1000
  • authentication_indicator ask_3ds or force_3ds
  • type: hosted_page
{
        "customer_email": "[email protected]",
        "payment_channel": "e-commerce",
        "accept_url": "https://www.google.com",
        "order_merchant_id": "test1234",
        "currency": "EUR",
        "pending_url": "https://www.bing.com",
        "operation_type": "direct_capture",
        "locale": "en-GB",
        "amount": 999,
        "cancel_url": "https://www.cancel.com",
        "type": "hosted_page",
        "token_type": "oneshot",
        "exception_url": "https://www.exeption.com",
        "decline_url": "https://www.decline.com",
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "authentication_indicator": "ask_3ds"
}
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "redirect_url": "https://securepay-sandbox.test.com/e61734fbe51dbbd8a745d03ce67e4496d7ed2cf8f013124105fc8f20bd7199ec",
    "checkout": {
        "accept_url": "https://www.google.com",
        "amount": 999,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.cancel.com",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.decline.com",
        "exception_url": "https://www.exeption.com",
        "expiration_date": "2025-11-05T08:26:57.874Z",
        "hosted_page_configuration": {
            "status": "active",
            "logo": null,
            "primary_color": "#f4d03f",
            "show_pci_logo": true,
            "host": "",
            "url": "securepay-sandbox.test.com",
            "hosted_fields": {
                "version": "2.4",
                "display_buttons": true,
                "display_cardholder": true,
                "display_save": true,
                "use_auto_submit": false,
                "logo_version": "logo_colorbg",
                "template_version": "v3"
            }
        },
        "hosted_page_css_path": null,
        "locale": "en-GB",
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "test1234",
        "token_type": "oneshot",
        "type": "hosted_page",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.bing.com",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b06ce779b6f242c94dbcd"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

In the response you will receive redirect_url with the url to the hosted payment page to fill in the payment details. Fill it using one of the test cards and confirm the payment. You will be redirected to the accept_url as this is the frictionless flow.

Hosted Elements

Request to /payment/checkout

  • amount < 1000
  • authentication_indicator ask_3ds or force_3ds
  • type: hosted_fields
{
        "customer_email": "[email protected]",
        "payment_channel": "e-commerce",
        "accept_url": "https://www.google.com",
        "order_merchant_id": "test1234",
        "currency": "EUR",
        "pending_url": "https://www.bing.com",
        "operation_type": "direct_capture",
        "locale": "en-GB",
        "amount": 999,
        "cancel_url": "https://www.cancel.com",
        "type": "hosted_fields",
        "token_type": "oneshot",
        "exception_url": "https://www.exeption.com",
        "decline_url": "https://www.decline.com",
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "authentication_indicator": "ask_3ds"
}

{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.google.com",
        "amount": 999,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.cancel.com",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.decline.com",
        "exception_url": "https://www.exeption.com",
        "expiration_date": "2025-11-05T08:25:00.990Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "locale": "en-CA",
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "gpaytest030925",
        "token_type": "oneshot",
        "type": "hosted_fields",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.bing.com",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b0659779b6f242c94d9d6"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

When your integration loads the hosted elements into your payment page, use one of our test cards to complete the payment. We will proceed with the tokenization and your integration will need to create the order.

Request to /payment/order

{
    "operation_type": "direct_capture",
    "amount": 999,
    "currency": "EUR",
    "token": "16e5aa150e9deff33ee652c977f633337bdd16b4f47e1789f8250dd8dc05fc39",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690b0659779b6f242c94d9d6",
    "customer_phone_number":"00000000000",
    "authentication_indicator": "ask_3ds",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "321080",
        "description": "pending authentication"
    },
    "order_id": "690b1f2f779b6f242c951f6b",
    "transaction_id": "690b1f2f779b6f242c951f6c",
    "checkout_id": "690b1f25779b6f242c951f3e",
    "status": "authentication_requested",
    "payment_method_name": "visa",
    "order_amount": 999,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "MockPay",
    "risk_assessment_date": "2025-11-05T09:55:59.560Z",
    "risk_assessment_result": "accepted",
    "risk_assessment_reason": "ACCEPTED",
    "risk_assessment_reason_code": "A",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "MockPay",
    "authentication_date": "2025-11-05T09:56:00.120Z",
    "authentication_result": "pending",
    "authorization_date": "2025-11-05T09:55:59.554Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 999,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "redirect_url": "https://api-sandbox.test.io/partner/mockpay/redirect/3c4339206eab0fd87525e431ea1de8ef6b9b6722a7e5bfb8c901964e7cf020ad",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

In the order response you will receive a redirect_url that, for the frictionless flow, will redirect you to the accepted payment and the final status will be capture successful.

Direct API

Request to /payment/checkout

  • amount < 1000
  • authentication_indicator ask_3ds or force_3ds
  • type: api
{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "authorize",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 999,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "api",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 999,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-05T10:15:39.293Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "authorize",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "api",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b2047779b6f242c952629"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "norbrpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

After creating checkout, you will need to make a tokenization. For that purpose you can use one of our test cards.

Request to /token

{
	"card_number": "4111111111111111",
	"card_validity_month": "05",
	"card_validity_year": "2035",
	"cvc": "100",
	"customer_scheme_name": "visa",
	"token_type": "oneshot",
    "checkout_id":"690b2047779b6f242c952629"
}
{
    "result": {
        "code": "999999",
        "description": "Tokenization successful"
    },
    "created_date": "2025-11-05T09:55:53.033Z",
    "token": "7206cac53bde09ab55e73dff2db2af97e5d76c71592a00f4a92fcbd56f85d4ca",
    "token_type": "oneshot",
    "token_kind": "card",
    "customer_scheme_name": "visa",
    "bin_scheme_name": "visa",
    "card_6_digits": "411111",
    "card_4_digits": "1111",
    "card_validity_month": "05",
    "card_validity_year": "35",
    "card_unique_id": "74955479-5015-4ca1-af6c-1540e2752e55",
    "checkout_id": "690b1f25779b6f242c951f3e"
}

As a final step, you need to create the order.

Request to /payment/order

{
    "operation_type": "direct_capture",
    "amount": 999,
    "currency": "EUR",
    "token": "7206cac53bde09ab55e73dff2db2af97e5d76c71592a00f4a92fcbd56f85d4ca",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690b2047779b6f242c952629",
    "customer_phone_number":"00000000000",
    "authentication_indicator": "ask_3ds",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "321080",
        "description": "pending authentication"
    },
    "order_id": "690b224a779b6f242c952c25",
    "transaction_id": "690b224a779b6f242c952c26",
    "checkout_id": "690b2243779b6f242c952bdc",
    "status": "authentication_requested",
    "payment_method_name": "visa",
    "order_amount": 999,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "MockPay",
    "risk_assessment_date": "2025-11-05T10:09:14.148Z",
    "risk_assessment_result": "accepted",
    "risk_assessment_reason": "ACCEPTED",
    "risk_assessment_reason_code": "A",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "MockPay",
    "authentication_date": "2025-11-05T10:09:14.715Z",
    "authentication_result": "pending",
    "authorization_date": "2025-11-05T10:09:14.142Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 999,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "redirect_url": "https://api-sandbox.test.io/partner/mockpay/redirect/f7b4888bd16ed8085ce73a70bc9760ea3fb9547fc777460a9af0fe9accac266b",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

In the order response you will receive a redirect_url that, for the frictionless flow, will redirect you to the accepted payment and the final status will be capture successful.

Challenge Flow

Hosted Payment Page

Request to /payment/checkout

  • amount > 1000
  • authentication_indicator ask_3ds or force_3ds
  • type: hosted_page
{
        "customer_email": "[email protected]",
        "payment_channel": "e-commerce",
        "accept_url": "https://www.google.com",
        "order_merchant_id": "gpaytest030925",
        "currency": "EUR",
        "pending_url": "https://www.bing.com",
        "operation_type": "direct_capture",
        "locale": "en-CA",
        "authentication_indicator": "ask_3ds",
        "amount": 1001,
        "cancel_url": "https://www.cancel.com",
        "type": "hosted_page",
        "token_type": "oneshot",
        "exception_url": "https://www.exeption.com",
        "decline_url": "https://www.decline.com",
        "merchant_contract": "61faa33e3924df000a2f86a7"
        
}
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "redirect_url": "https://securepay-sandbox.test.com/214949818db8905729f5714e8004f75e395fca0e4096c9e22f3640835e08908b",
    "checkout": {
        "accept_url": "https://www.google.com",
        "amount": 1001,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.cancel.com",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.decline.com",
        "exception_url": "https://www.exeption.com",
        "expiration_date": "2025-11-04T14:06:57.904Z",
        "hosted_page_configuration": {
            "status": "active",
            "logo": null,
            "primary_color": "#f4d03f",
            "show_pci_logo": true,
            "host": "",
            "url": "securepay-sandbox.test.com",
            "hosted_fields": {
                "version": "2.4",
                "display_buttons": true,
                "display_cardholder": true,
                "display_save": true,
                "use_auto_submit": false,
                "logo_version": "logo_colorbg",
                "template_version": "v3"
            }
        },
        "hosted_page_css_path": null,
        "locale": "en-CA",
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "gpaytest030925",
        "token_type": "oneshot",
        "type": "hosted_page",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.bing.com",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690a04fe779b6f242c8c67e1"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

In the response you will receive redirect_url with the url to the hosted payment page to fill in the payment details. Fill it using one of the test cards and confirm the payment. You will be redirected to the challenge simulator where you can select the results for authentication, authorization and capture to simulate a desired behavior.

Hosted Elements

Request to /payment/checkout

  • amount > 1000
  • authentication_indicator ask_3ds or force_3ds
  • type: hosted_fields
{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "authorize",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 1001,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "hosted_fields",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 1001,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-05T10:35:47.876Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "authorize",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "hosted_fields",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b2500779b6f242c95338f"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

When your integration loads the hosted elements into your payment page, use one of our test cards to complete the payment. We will proceed with the tokenization and your integration will need to create the order.

Request to /payment/order

{
    "operation_type": "direct_capture",
    "amount": 1001,
    "currency": "EUR",
    "token": "{{token}}",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690b2500779b6f242c95338f",
    "customer_phone_number":"00000000000",
    "authentication_indicator": "ask_3ds",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "321080",
        "description": "pending authentication"
    },
    "order_id": "690b258d779b6f242c95350a",
    "transaction_id": "690b258d779b6f242c95350b",
    "checkout_id": "690b2500779b6f242c95338f",
    "status": "authentication_requested",
    "payment_method_name": "visa",
    "order_amount": 1001,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "MockPay",
    "risk_assessment_date": "2025-11-05T10:23:09.834Z",
    "risk_assessment_result": "accepted",
    "risk_assessment_reason": "ACCEPTED",
    "risk_assessment_reason_code": "A",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "MockPay",
    "authentication_date": "2025-11-05T10:23:10.468Z",
    "authentication_result": "pending",
    "authorization_date": "2025-11-05T10:23:09.830Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 1001,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "redirect_url": "https://api-sandbox.test.io/partner/mockpay/redirect/925cf6b666cd2188984db41f532c3329110190e15110ed775fc26ead3c33a6f8",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

You will receive the redirect_url in the response to redirect you to the challenge simulator to select further results.

Direct API

Request to /payment/checkout

  • amount > 1000
  • authentication_indicator ask_3ds or force_3ds
  • type: api
{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "authorize",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 1001,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "api",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 1001,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-05T10:48:39.564Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "authorize",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "api",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b2805779b6f242c954025"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

After creating checkout, you will need to make a tokenization. For that purpose you can use one of our test cards.

Request to /token

{
	"card_number": "4111111111111111",
	"card_validity_month": "05",
	"card_validity_year": "2035",
	"cvc": "100",
	"customer_scheme_name": "visa",
	"token_type": "oneshot",
   "checkout_id":"690b2047779b6f242c952629"
}
{
    "result": {
        "code": "999999",
        "description": "Tokenization successful"
    },
    "created_date": "2025-11-05T09:55:53.033Z",
    "token": "7206cac53bde09ab55e73dff2db2af97e5d76c71592a00f4a92fcbd56f85d4ca",
    "token_type": "oneshot",
    "token_kind": "card",
    "customer_scheme_name": "visa",
    "bin_scheme_name": "visa",
    "card_6_digits": "411111",
    "card_4_digits": "1111",
    "card_validity_month": "05",
    "card_validity_year": "35",
    "card_unique_id": "74955479-5015-4ca1-af6c-1540e2752e55",
    "checkout_id": "690b2805779b6f242c954025"
}

As a final step, you need to create the order.

Request to /payment/order

{
    "operation_type": "direct_capture",
    "amount": 1001,
    "currency": "EUR",
    "token": "7206cac53bde09ab55e73dff2db2af97e5d76c71592a00f4a92fcbd56f85d4ca",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690b2805779b6f242c954025",
    "customer_phone_number":"00000000000",
    "authentication_indicator": "ask_3ds",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "321080",
        "description": "pending authentication"
    },
    "order_id": "690b224a779b6f242c952c25",
    "transaction_id": "690b224a779b6f242c952c26",
    "checkout_id": "690b2243779b6f242c952bdc",
    "status": "authentication_requested",
    "payment_method_name": "visa",
    "order_amount": 1001,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "MockPay",
    "risk_assessment_date": "2025-11-05T10:09:14.148Z",
    "risk_assessment_result": "accepted",
    "risk_assessment_reason": "ACCEPTED",
    "risk_assessment_reason_code": "A",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "MockPay",
    "authentication_date": "2025-11-05T10:09:14.715Z",
    "authentication_result": "pending",
    "authorization_date": "2025-11-05T10:09:14.142Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 999,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "redirect_url": "https://api-sandbox.test.io/partner/mockpay/redirect/f7b4888bd16ed8085ce73a70bc9760ea3fb9547fc777460a9af0fe9accac266b",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

You will receive the redirect_url in the response to redirect you to the challenge simulator to select further results.








Authentication request failed

  • amount: 310070
  • authentication_indicator ask_3ds or force_3ds
  • type: depending on your integration use hosted_page or hosted_fields or api as shown in the examples above

Hosted Payment Page

Create checkout including:

  • amount: 310070
  • authentication_indicator ask_3ds or force_3ds
  • type: hosted_page

Request to /payment/checkout

{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "authorize",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 310070,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "hosted_page",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "redirect_url": "https://securepay-sandbox.test.com/40b1cfdaf43e18ac001d39cf8601b4ac3e9e067f562354f1a6ac8374846bcc2a",
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 310070,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-05T11:14:49.140Z",
        "hosted_page_configuration": {
            "status": "active",
            "logo": null,
            "primary_color": "#f4d03f",
            "show_pci_logo": true,
            "host": "",
            "url": "securepay-sandbox.test.com",
            "hosted_fields": {
                "version": "2.4",
                "display_buttons": true,
                "display_cardholder": true,
                "display_save": true,
                "use_auto_submit": false,
                "logo_version": "logo_colorbg",
                "template_version": "v3"
            }
        },
        "hosted_page_css_path": null,
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "authorize",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "hosted_page",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b2e25779b6f242c95de1c"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

Complete your payment on the redirect_url received in response to checkout creation, which is a redirect to the hosted payment page. Use one of our test cards to submit the payment.

You will get redirected to decline_url and the order will reach authentication request failed status.


Hosted Elements

Create checkout (Request to /payment/checkout) including:

  • amount: 310070
  • authentication_indicator ask_3ds or force_3ds
  • type: hosted_fields

Submit the payment on your payment page with the hosted elements loaded, using one of our test cards

Create order (Request to /payment/order) including:

  • amount: 310070

  • authentication_indicator ask_3ds or force_3ds

  • token your integration catches when we do the tokenization

  • checkout_id you receive in the response to create checkout

You will get redirected to decline_url and the order will reach authentication request failed status.

{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "direct_capture",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 310070,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "hosted_fields",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 310070,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-05T15:43:27.794Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "hosted_fields",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b6d264a0c355fbc72aee4"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "norbrpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}
{
    "operation_type": "direct_capture",
    "amount": 310070,
    "authentication_indicator": "ask_3ds",
    "currency": "EUR",
    "token": "9deb3df95f2d97305a0704e06dbdf81ed84f3a837033b19fad1f2412ce8f3067",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690a2a60779b6f242c8d13db",
    "customer_phone_number":"00000000000",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "310070",
        "description": "authentication failed"
    },
    "order_id": "690b6d954a0c355fbc72b5e4",
    "transaction_id": "690b6d954a0c355fbc72b5e5",
    "checkout_id": "690b6d264a0c355fbc72aee4",
    "status": "authentication_request_failed",
    "payment_method_name": "visa",
    "order_amount": 310070,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "NorbrPay",
    "risk_assessment_date": "2025-11-05T15:30:29.893Z",
    "risk_assessment_result": "accepted",
    "risk_assessment_reason": "ACCEPTED",
    "risk_assessment_reason_code": "A",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "MockPay",
    "authentication_date": "2025-11-05T15:30:31.398Z",
    "authentication_result": "failure",
    "authorization_date": "2025-11-05T15:30:29.889Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 310070,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

Direct API

Create checkout including:

  • amount: 310070
  • authentication_indicator ask_3ds or force_3ds
  • type: api

Create token:

  • use one of our test cards
  • include checkout_id received in the response to create checkout

Create order including:

  • amount: 310070

  • authentication_indicator ask_3ds or force_3ds

  • token your integration catches when we do the tokenization

  • checkout_id you received in the response to create checkout

{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "direct_capture",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 310070,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "api",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 310070,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-05T14:37:14.709Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "api",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690b5d9a4a0c355fbc71cd6e"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "norbrpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}
{
	"card_number": "4111111111111111",
	"card_validity_month": "05",
	"card_validity_year": "2035",
	"cvc": "100",
	"customer_scheme_name": "visa",
	"token_type": "oneshot",
   "checkout_id":"690b5d9a4a0c355fbc71cd6e"
}
{
    "result": {
        "code": "999999",
        "description": "Tokenization successful"
    },
    "created_date": "2025-11-05T14:22:29.462Z",
    "token": "e85396544a1953799b46f72034e95d2656bef938873810d1778b1a7473738217",
    "token_type": "oneshot",
    "token_kind": "card",
    "customer_scheme_name": "visa",
    "bin_scheme_name": "visa",
    "card_6_digits": "411111",
    "card_4_digits": "1111",
    "card_validity_month": "05",
    "card_validity_year": "35",
    "card_unique_id": "74955479-5015-4ca1-af6c-1540e2752e55",
    "checkout_id": "690b5d9a4a0c355fbc71cd6e"
}
{
    "operation_type": "direct_capture",
    "amount": 310070,
    "currency": "EUR",
    "token": "e85396544a1953799b46f72034e95d2656bef938873810d1778b1a7473738217",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690b5d9a4a0c355fbc71cd6e",
    "customer_phone_number":"00000000000",
    "authentication_indicator": "ask_3ds",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "310070",
        "description": "authentication failed"
    },
    "order_id": "690a2adb779b6f242c8d1624",
    "transaction_id": "690a2adb779b6f242c8d1625",
    "checkout_id": "690a2a60779b6f242c8d13db",
    "status": "authentication_request_failed",
    "payment_method_name": "visa",
    "order_amount": 310070,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "MockPay",
    "risk_assessment_date": "2025-11-04T16:33:31.669Z",
    "risk_assessment_result": "accepted",
    "risk_assessment_reason": "ACCEPTED",
    "risk_assessment_reason_code": "A",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "MockPay",
    "authentication_date": "2025-11-04T16:33:32.116Z",
    "authentication_result": "failure",
    "authorization_date": "2025-11-04T16:33:31.664Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 310070,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

Other responses

To simulate other response codes listed above make sure include the respective values in the amount field when creating checkout and/or order - for hosted payment page you only create checkout. For hosted fields and direct api, always both checkout and order.

For all of the following responses, you can use the same request examples displayed below:

  • Insufficient funds - 420100

    To test this response, make sure you set SCA Exemption rule in place:
    Low value : 420099.99 - 420100.01

  • Soft decline - 420150

  • PSP down - 420410

  • Tokenization failed - 221420

  • Risk rejection - 420030

    To test fallback on this this result, please make sure to activate it in the Optimizer - Fallbacks based on authorization results

Make sure to use the correct value sent in the amount field.

Hosted Payment Page

Example request to simulate Insufficient funds - 420100

{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "direct_capture",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 420100,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "hosted_page",
      "merchant_contract": "{{merchantContractNorbrpay}}",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "redirect_url": "https://securepay-sandbox.test.com/6da865b6175560a65d65cb68d0a8b8dc79314008ef32224bba27d1027adf6a52",
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 420100,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-06T08:56:50.948Z",
        "hosted_page_configuration": {
            "status": "active",
            "logo": null,
            "primary_color": "#f4d03f",
            "show_pci_logo": true,
            "host": "",
            "url": "securepay-sandbox.test.com",
            "hosted_fields": {
                "version": "2.4",
                "display_buttons": true,
                "display_cardholder": true,
                "display_save": true,
                "use_auto_submit": false,
                "logo_version": "logo_colorbg",
                "template_version": "v3"
            }
        },
        "hosted_page_css_path": null,
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "hosted_page",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690c5f4f4309eef89e636dd0"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}

Hosted Elements

Example requests to simulate Tokenization failed - 221420

{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "direct_capture",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 221420,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "hosted_fields",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 221420,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-06T09:12:49.202Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "hosted_fields",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690c630d4309eef89e6373e7"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "norbrpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}
{
    "operation_type": "direct_capture",
    "amount": 221420,
    "currency": "EUR",
    "token": "f58ce93f2b1eba99729dd6929b3f852ebae43519c2031c5eaf49fe1f5b516357",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690c630d4309eef89e6373e7",
    "customer_phone_number":"00000000000",
    "authentication_indicator": "ask_3ds",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "221420",
        "description": "tokenization failed"
    },
    "order_id": "690c632a4309eef89e63741d",
    "transaction_id": "690c632a4309eef89e63741e",
    "checkout_id": "690c630d4309eef89e6373e7",
    "status": "authentication_request_failed",
    "payment_method_name": "visa",
    "order_amount": 221420,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "MockPay",
    "risk_assessment_date": "2025-11-06T08:58:18.246Z",
    "risk_assessment_result": "accepted",
    "risk_assessment_reason": "ACCEPTED",
    "risk_assessment_reason_code": "A",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "",
    "authentication_date": "",
    "authentication_result": "",
    "authorization_date": "2025-11-06T08:58:18.240Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 221420,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

Direct API

Example requests to simulate PSP server unavailable - 420410

{
      "token_type": "oneshot",
      "pending_url": "https://www.ch.status.pending",
      "payment_channel": "e-commerce",
      "operation_type": "direct_capture",
      "order_merchant_id": "testecom",
      "customer_email": "[email protected]",
      "amount": 420410,
      "exception_url": "https://www.ch.status.failed",
      "cancel_url": "https://www.ch.failed",
      "device_type": "desktop",
      "authentication_indicator": "ask_3ds",
      "decline_url": "https://www.ch.failed",
      "type": "api",
      "merchant_contract": "61faa33e3924df000a2f86a7",
      "currency": "EUR",
      "accept_url": "https://www.ch.status.success"
      
    }
{
    "result": {
        "code": "011111",
        "description": "checkout created successfully"
    },
    "checkout": {
        "accept_url": "https://www.ch.status.success",
        "amount": 420410,
        "authentication_indicator": "ask_3ds",
        "cancel_url": "https://www.ch.failed",
        "currency": "EUR",
        "customer_browser_info_time_zone": "",
        "customer_email": "[email protected]",
        "decline_url": "https://www.ch.failed",
        "device_type": "desktop",
        "exception_url": "https://www.ch.status.failed",
        "expiration_date": "2025-11-06T10:19:44.841Z",
        "hosted_page_configuration": {
            "hosted_fields": {}
        },
        "merchant_contract": "61faa33e3924df000a2f86a7",
        "operation_type": "direct_capture",
        "order_merchant_id": "testecom",
        "token_type": "oneshot",
        "type": "api",
        "payment_channel": "e-commerce",
        "payment_method_name": [],
        "pending_url": "https://www.ch.status.pending",
        "status": "created",
        "merchant_data": [],
        "checkout_id": "690c72bc4309eef89e639f0c"
    },
    "payment_methods": {
        "payment_methods_available": [
            {
                "component_type": "card",
                "display_name": "Visa",
                "form_fields": [
                    {
                        "name": "card_number",
                        "label": "card_number",
                        "display_name": "card_number",
                        "data_type": "integer",
                        "enum": [],
                        "example": "4111 xxxx xxxx xxxx"
                    },
                    {
                        "name": "cvc",
                        "label": "cvc",
                        "display_name": "cvc",
                        "data_type": "integer",
                        "enum": [],
                        "example": "123"
                    },
                    {
                        "name": "card_validity",
                        "label": "card_validity",
                        "display_name": "card_validity",
                        "data_type": "date",
                        "enum": [],
                        "example": "MM/YY"
                    },
                    {
                        "name": "cardholder_name",
                        "label": "cardholder_name",
                        "display_name": "cardholder_name",
                        "data_type": "name",
                        "enum": [],
                        "example": "Mickael Smith"
                    }
                ],
                "logo": "visa.svg",
                "logo_png": "visa.png",
                "logo_colorbg": "Visa_colorbg.svg",
                "logo_colorbg_png": "[email protected]",
                "logo_favicon_colorbg": "Visa_favicon_colorbg.svg",
                "logo_favicon_colorbg_png": "[email protected]",
                "logo_favicon_whitebg": "Visa_favicon_whitebg.svg",
                "logo_favicon_whitebg_png": "[email protected]",
                "logo_white": "Visa_white.svg",
                "logo_white_png": "[email protected]",
                "logo_whitebg": "Visa_whitebg.svg",
                "logo_whitebg_png": "[email protected]",
                "name": "visa",
                "partner": "mockpay",
                "required_fields": [
                    "payment_method_name",
                    "token",
                    "amount",
                    "currency"
                ],
                "countries": [
                    "all"
                ]
            }
        ]
    }
}
{
	"card_number": "4111111111111111",
	"card_validity_month": "05",
	"card_validity_year": "2035",
	"cvc": "100",
	"customer_scheme_name": "visa",
	"token_type": "oneshot",
    "checkout_id":"690c72bc4309eef89e639f0c"
}
{
    "result": {
        "code": "999999",
        "description": "Tokenization successful"
    },
    "created_date": "2025-11-06T10:04:48.143Z",
    "token": "0c3f066fa68c84c6337c5a8c9a4a05d42dead4aff6a5a5a9be2c71ecf7e129e6",
    "token_type": "oneshot",
    "token_kind": "card",
    "customer_scheme_name": "visa",
    "bin_scheme_name": "visa",
    "card_6_digits": "411111",
    "card_4_digits": "1111",
    "card_validity_month": "05",
    "card_validity_year": "35",
    "card_unique_id": "74955479-5015-4ca1-af6c-1540e2752e55",
    "checkout_id": "690c72bc4309eef89e639f0c"
}
{
    "operation_type": "direct_capture",
    "amount": 420410,
    "currency": "EUR",
    "token": "0c3f066fa68c84c6337c5a8c9a4a05d42dead4aff6a5a5a9be2c71ecf7e129e6",
    "merchant_contract" : "61faa33e3924df000a2f86a7",
    "checkout_id":"690c72bc4309eef89e639f0c",
    "customer_phone_number":"00000000000",
    "authentication_indicator": "ask_3ds",
    "website_url": "https://www.example.com/",
    "device_type": "mobile",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "payment_method_name": "visa",
    "customer_id": "196113238",
    "customer_ip": "127.0.0.1",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}
{
    "result": {
        "code": "420410",
        "description": "PSP server unavailable"
    },
    "order_id": "690c72c54309eef89e639f4d",
    "transaction_id": "690c72c54309eef89e639f4e",
    "checkout_id": "690c72bc4309eef89e639f0c",
    "status": "risk_assessment_request_failed",
    "payment_method_name": "visa",
    "order_amount": 420410,
    "order_currency": "EUR",
    "order_merchant_id": "0001111222",
    "payment_channel": "e-commerce",
    "website_url": "https://www.example.com/",
    "customer_id": "196113238",
    "customer_email": "[email protected]",
    "customer_first_name": "",
    "customer_last_name": "",
    "customer_street_name": "",
    "customer_city": "",
    "customer_zip_code": "",
    "customer_country": "",
    "customer_ip": "127.0.0.1",
    "order_description": "",
    "is_suspicious": false,
    "risk_assessment_partner": "MockPay",
    "risk_assessment_date": "",
    "risk_assessment_result": "",
    "risk_assessment_reason": "",
    "risk_assessment_reason_code": "",
    "is_authenticated": false,
    "authentication_indicator": "ask_3ds",
    "authentication_partner": "",
    "authentication_date": "",
    "authentication_result": "",
    "authorization_date": "2025-11-06T10:04:53.926Z",
    "authorization_result": "",
    "authorization_code": "",
    "authorization_amount": 420410,
    "is_captured": false,
    "capture_date": "",
    "capture_result": "",
    "capture_total_amount": "",
    "payin_partner": "MockPay",
    "merchant_contract_id": "61faa33e3924df000a2f86a7",
    "psp_result_code": "",
    "psp_result_description": "",
    "accept_url": "https://www.test.com",
    "decline_url": "https://www.test.com",
    "pending_url": "https://www.test.com",
    "exception_url": "https://www.test.com"
}

Updated 11 days ago