Use these Mastercard test values in PCE to simulate approvals, declines, AVS/CVV outcomes, and Enhanced Merchant Screening (EMS) risk responses. 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.

Mastercard AVS & CVV + EMS Scenarios (Sandbox)

EMS simulates risk scoring or fraud evaluation so you can validate fraud rules, alerting, and review queues.

Legend: AVS/CVV — M = Match, N = No match.
Approved % is the expected approval rate within the amount range.
EMS status shows whether EMS is active and, when provided, the (score / reason) tuple.

Card number	AVS	CVV	Max amount	Approved %	EMS status
`5100 0000 0000 0123`	M	M	$30	100%	True (40 / 2)
`5100 0000 0000 0131`	M	N	$110	100%	True (120 / 2)
`5100 0000 0000 0149`	N	M	$290	100%	True (300 / 2)
`5100 0000 0000 0156`	N	N	$360	100%	True (370 / 2)
`5211 1111 1113 1438`	M	M	$290	50%	None

Notes

Submit amounts ≤ Max amount to trigger the listed outcome. Higher amounts may produce different responses.

When EMS is shown as True, your integration should record the score and reason for audit/testing.

Always assert on both transport-level success and business-level approval/risk fields.

Issuer Response Codes for Mastercard

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

Card number	Issuer response code	Auth message	Status
`5100000000050003`	0	Approved or completed successfully	Approved
`5100000000050011`	1	Refer to card issuer	Declined
`5100000000050029`	2	Do not honor	Declined
`5100000000050037`	3	Invalid merchant	Declined
`5100000000050045`	4	Capture card	Declined
`5100000000050052`	5	Do not honor	Declined
`5100000000050060`	6	Response Timedout	Declined
`5100000000050078`	7	Do not honor	Declined
`5100000000050086`	8	Honor with ID	Approved
`5100000000050094`	9	Do not honor	Declined
`5100000000050102`	10	Partial Approval	Approved
`5100000000050128`	12	Invalid transaction	Declined
`5100000000050136`	13	Invalid amount	Declined
`5100000000050144`	14	Invalid card number	Declined
`5100000000050151`	15	Invalid issuer	Declined
`5100000000050193`	19	Do not honor	Declined
`5100000000050284`	28	Do not honor	Declined
`5100000000050300`	30	Format error	Declined
`5100000000050417`	41	Lost card	Declined
`5100000000050433`	43	Stolen card	Declined
`5100000000050516`	51	Insufficient funds/over credit limit	Declined
`5100000000050540`	54	Expired card	Declined
`5100000000050573`	57	Transaction not permitted to issuer/cardholder	Declined
`5100000000050581`	58	Transaction not permitted to acquirer/terminal	Declined
`5100000000050615`	61	Exceeds withdrawal amount limit	Declined
`5100000000050623`	62	Restricted card	Declined
`5100000000050631`	63	Security violation	Declined
`5100000000050656`	65	Exceeds withdrawal count limit	Declined
`5100000000050755`	75	Allowable number of PIN tries exceeded	Declined
`5100000000050912`	91	Authorization Platform or issuer system inoperative	Declined
`5100000000050920`	92	Unable to route transaction	Declined
`5100000000050938`	93	Do not honor	Declined
`5100000000050961`	96	System error	Declined