Use these Discover 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.

Discover AVS & CVV + EMS Scenarios (Sandbox)

Card number	AVS	CVV	Max amount	Approved %
`6011 1111 1113 1438`	Y	M	$290	50%

Issuer Response Codes for Discover

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

Card number	Issuer response code	Auth message	Status
`6011111111150008`	0	Approved or completed successfully	Approved
`6011111111150016`	1	Do not honor	Declined
`6011111111150024`	2	Please call discover	Declined
`6011111111150032`	3	Invalid merchant	Declined
`6011111111150040`	4	Capture card	Declined
`6011111111150057`	5	Do not honor	Declined
`6011111111150065`	6	Do not honor	Declined
`6011111111150073`	7	Duplicate Request	Declined
`6011111111150081`	8	Do not honor	Declined
`6011111111150099`	9	Do not honor	Declined
`6011111111150107`	10	Partial Approval	Approved
`6011111111150123`	12	Invalid transaction	Declined
`6011111111150131`	13	Invalid amount	Declined
`6011111111150149`	14	Invalid card number	Declined
`6011111111150156`	15	Do not honor	Declined
`6011111111150198`	19	Re-enter transaction	Declined
`6011111111150289`	28	Do not honor	Declined
`6011111111150305`	30	Format error	Declined
`6011111111150412`	41	Lost card	Declined
`6011111111150438`	43	Stolen card	Declined
`6011111111150511`	51	Do not honor	Declined
`6011111111150545`	54	Expired card	Declined
`6011111111150578`	57	Transaction not permitted to issuer/cardholder	Declined
`6011111111150586`	58	Transaction not permitted to acquirer/terminal	Declined
`6011111111150610`	61	Exceeds withdrawal amount limit	Declined
`6011111111150628`	62	Restricted card	Declined
`6011111111150636`	63	Security violation	Declined
`6011111111150651`	65	Exceeds withdrawal count limit	Declined
`6011111111150750`	75	Allowable number of PIN tries exceeded	Declined
`6011111111150917`	91	Authorization Platform or issuer system inoperative	Declined
`6011111111150925`	92	Unable to route transaction	Declined
`6011111111150933`	93	Transaction cannot be completed, violation of law	Declined
`6011111111150966`	96	System error	Declined