Use these Amex test values in PCE to simulate approvals, declines, and AVS/CVV outcomes. This page helps QA and developers validate user messaging, fraud rules, and retry flows without touching real cards.

Use this data effectively. For more information on AVS and CVV/CSC, visit our dedicated documentation.

Map each scenario to your flow: AVS fail, CVV fail, delays, partials, timeouts.
Verify EMS risk handling (scores, reason codes, approval overrides).
Test fallback behavior when EMV is missing or a timeout occurs.
Confirm decline copy and retry paths are precise and actionable in your UI.

The AVS & CVV response signals appear in the risk object of payment responses:

"risk": {
  "cvvResponseCode": "Y",
  "cvvResponse": "Match",
  "cvvMatch": true,
  "avsResponseCode": "Y",
  "avsAddressMatch": true,
  "avsZipMatch": true,
  "avsAccountNameMatchPerformed": false
}

Prerequisites & Limitations:

You require a Sandbox account, a test gateway enabled, and logging of payment responses (risk fields).

Test PANs work only in sandbox; AVS/CVV/EMS behavior can vary by gateway. Amount caps below are maximums for a scenario. Do not store PANs outside approved tools.

Amex AVS & CVV Scenarios (Sandbox)

Card number	AVS response	CVV response	Max amount	Approved amount % (partial approval)
`3777 7777 7777 9636`	Y	Y	$290	50%

Issuer Response Codes for Amex

This is a brief list of Issuer Response Codes for Amex. For the full list, please download this file.

Card number	Issuer response code	Auth message	Status
`377777777750025`	2	Partial Approval	Approved
`377777777751015`	101	Invalid Expiration Date	Declined
`377777777751064`	106	Allowable number of PIN tries exceeded	Declined
`377777777751072`	107	Contact Card Issuer	Declined
`377777777751098`	109	Invalid merchant	Declined
`377777777751106`	110	Invalid amount	Declined
`377777777751114`	111	Invalid/nonexistent account specified (general)	Declined
`377777777751155`	115	Service not allowed	Declined
`377777777751163`	116	Insufficient funds/over credit limit	Declined
`377777777751171`	117	Invalid PIN	Declined
`377777777751197`	119	Invalid/nonexistent from Account specified	Declined
`377777777751213`	121	Exceeds withdrawal amount limit	Declined
`377777777751221`	122	Reversal outside window	Declined
`377777777751254`	125	PPS Decline	Declined
`377777777751817`	181	Format error	Declined
`377777777751833`	183	Invalid Foreign Currency Code The value provided for the Foreign Currency Code is unrecognised by DHS. Verify the format of this	Declined
`377777777751874`	187	Lost card	Declined
`377777777751890`	189	Invalid Merchant Status	Declined
`377777777752005`	200	Stolen card	Declined
`377777777754001`	400	Reversal Success	Declined
`377777777759091`	909	Cryptographic failure	Declined
`377777777759125`	912	Authorization Platform or issuer system inoperative	Declined