Payment Simulation

Simulate payment flows without using real money

Simulate via API

Method and URL

POST https://api-stg.pivot-payment.com/v2/payments/simulations

Applicable only for "QRIS", "Virtual Account", and "E-Wallet" Payment Methods in the Testing environment

Request

Request Body

{
  "paymentSessionId": "c09ec1fd-e19e-4a84-ba1e-0b4a8f6283ee",
  "chargeStatus": "SUCCESS",
  "amount": {
    "value": 10000,
    "currency": "IDR"
  }
}

Detail Parameter Request

Parameter	Data Type	Requirement	Description
paymentSessionId	String	M	Payment session ID
chargeStatus	String	M	Possible values: SUCCESS EXPIRED
amount	Object	C	Amount Object Mandatory if Payment Type is MULTIPLE

Response

Response Body

{
  "code": "00",
  "message": "Success",
  "data": {
    "updated": "true"
  }
}

Detail Parameter Response

Parameter	Data Type	Requirement	Description
updated	Boolean	M

Simulate via Dashboard

Cards

Scenario	Need Mock 3DS	Visa	Mastercard	JCB
Charge Success - 3DS (Frictionless)	No	4440000112200001	5550000112230001	3550000112280001
Charge Success - 3DS & Non 3DS (Challege & Never)	Yes	4440000112290002	5550000112220002	3550000112270002
DECLINED_BY_CHANNEL - The transaction was declined by the channel	Yes	4440000334480001	5550000334410001	3550000334460001
DECLINED_BY_CHANNEL - The transaction was declined by the issuer due to the card has already expired	Yes	4440000334470002	5550000334400002	3550000334450002
DECLINED_BY_CHANNEL - The transaction was declined by the issuer due to the submitted CVV is invalid	Yes	4440000334460003	5550000334490003	3550000334440003
INVALID_ACCOUNT - The transaction was declined by the issuer due to the card being marked as invalid	Yes	4440000334450004	5550000334480004	3550000334430004
AUTHENTICATION_FAILED - The 3DS attempt was rejected by the issuer	Yes	4440000334440005	5550000334470005	3550000334420005
SUSPECTED_FRAUD - The transaction was declined by the issuer due to the card being marked as stolen or potential fraud	Yes	4440000334430006	5550000334460006	3550000334410006
SUSPECTED_FRAUD - The transaction was declined by channel due to the account being blocked or suspected as fraud	Yes	4440000334420007	5550000334450007	3550000334400007
BLOCKED_BY_FDS - The transaction was declined by FDS due to the transactions being categorized as high risk	Yes	4440000334410008	5550000334440008	3550000334490008
REQUIRE_REVIEW - The transaction was deferred by FDS due to the transactions being categorized as suspicious	Yes	4440000334400009	5550000334430009	3550000334480009
INSUFFICIENT_FUND - The transaction was declined by the issuer due to credit limit or balance is not sufficient	Yes	4440000334470010	5550000334400010	3550000334450010
CHANNEL_UNAVAILABLE - The transaction failed due to the issuer being unavailable or having a system malfunction	Yes	4440000334460011	5550000334490011	3550000334440011
CANCELLED_BY_USER - The 3DS attempt was cancelled by the cardholder	Yes	4440000334450012	5550000334480012	3550000334430012
Foreign Card - Requires Billing Address	Yes	4448100334430014	5558100334460014	3558100334410014

E-Wallet

Phone Number	OTP	Payment Status	Charge Status
08111111001	000000	PAID	SUCCESS
08111111002	000000	PROCESSING	PROCESSING
08111111003	000000	CANCELLED	FAILED
08111111004	000000	EXPIRED	EXPIRED

QRIS & Virtual Account

Link Simulation:

https://dashboard-stg.pivot-payment.com/simulation/payment/{base64 encode from Payment Session ID}

AVS Simulation

Any AVS gatewayCode result will not void the transaction. If the Issuing bank has been approved

Address Line	AVS gatewayCode Result
Alpha Street	SERVICE_NOT_AVAILABLE_RET
Bravo Street	NOT_AVAILABLE
Charlie Street	DEFERRED_TRANSACTION_RECE
Delta Street	NO_MATCH
Echo Street	ZIP_MATCH
Foxtrot Street	ADDRESS_MATCH
Golf Street	ADDRESS_ZIP_MATCH
Hotel Street	NAME_MATCH
India Street	NAME_ZIP_MATCH
Juliett Street	NAME_ADDRESS_MATCH
Kilo Street	SERVICE_NOT_SUPPORTED
Lima Street	NOT_REQUESTED
Mike Street	NOT_VERIFIED