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.

Prerequisites

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

Limitations

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.

AVS & CVV/CSC

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
}

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