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.

1. Map each scenario to your flow: AVS fail, CVV fail, delays, partials, timeouts.
2. Verify EMS risk handling (scores, reason codes, approval overrides).
3. Test fallback behavior when EMV is missing or a timeout occurs.
4. 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.

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.