> For the complete documentation index, see [llms.txt](https://pivot-payment.gitbook.io/pivot-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pivot-payment.gitbook.io/pivot-docs/api-references/api-lists/payments/payment-simulation.md).

# Payment Simulation

## Simulate via API

### Method and URL

<mark style="color:green;">`POST`</mark> <https://api-stg.pivot-payment.com/v2/payments/simulations>

{% hint style="info" %}
Applicable only for "QRIS",  "Virtual Account", and "E-Wallet" Payment Methods in the Testing environment
{% endhint %}

### Request

**Request Body**

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

**Detail Parameter Request**

<table><thead><tr><th>Parameter</th><th width="132.98046875">Data Type</th><th width="119.09375">Requirement</th><th>Description</th></tr></thead><tbody><tr><td>paymentSessionId</td><td>String</td><td>M</td><td>Payment session ID</td></tr><tr><td>chargeStatus</td><td>String</td><td>M</td><td><p>Possible values: </p><ol><li>SUCCESS</li><li>EXPIRED</li></ol></td></tr><tr><td>amount</td><td>Object</td><td>C</td><td><p><a data-mention href="/pages/Foeq3eyfnM9O2anL1Vby">/pages/Foeq3eyfnM9O2anL1Vby</a></p><p>Mandatory if Payment Type is <mark style="color:orange;"><code>MULTIPLE</code></mark></p></td></tr></tbody></table>

### Response

**Response Body**

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

**Detail Parameter Response**

<table><thead><tr><th width="210.4765625">Parameter</th><th width="119.98046875">Data Type</th><th width="137.9453125">Requirement</th><th>Description</th></tr></thead><tbody><tr><td>updated</td><td>Boolean</td><td>M</td><td></td></tr></tbody></table>

## Simulate via Dashboard

### Cards

<table><thead><tr><th width="246.3125">Scenario</th><th>Need Mock 3DS</th><th width="191.65625">Visa</th><th width="190.26953125">Mastercard</th><th width="190.578125">JCB</th></tr></thead><tbody><tr><td>Charge Success - 3DS (Frictionless)</td><td>No</td><td>4440000112200001</td><td>5550000112230001</td><td>3550000112280001</td></tr><tr><td>Charge Success - 3DS &#x26; Non 3DS (Challege &#x26; Never)</td><td>Yes</td><td>4440000112290002</td><td>5550000112220002</td><td>3550000112270002</td></tr><tr><td>DECLINED_BY_CHANNEL -  The transaction was declined by the channel</td><td>Yes</td><td>4440000334480001</td><td>5550000334410001</td><td>3550000334460001</td></tr><tr><td>DECLINED_BY_CHANNEL - The transaction was declined by the issuer due to the card has already expired</td><td>Yes</td><td>4440000334470002</td><td>5550000334400002</td><td>3550000334450002</td></tr><tr><td>DECLINED_BY_CHANNEL - The transaction was declined by the issuer due to the submitted CVV is invalid</td><td>Yes</td><td>4440000334460003</td><td>5550000334490003</td><td>3550000334440003</td></tr><tr><td>INVALID_ACCOUNT - The transaction was declined by the issuer due to the card being marked as invalid</td><td>Yes</td><td>4440000334450004</td><td>5550000334480004</td><td>3550000334430004</td></tr><tr><td>AUTHENTICATION_FAILED - The 3DS attempt was rejected by the issuer</td><td>Yes</td><td>4440000334440005</td><td>5550000334470005</td><td>3550000334420005</td></tr><tr><td>SUSPECTED_FRAUD - The transaction was declined by the issuer due to the card being marked as stolen or potential fraud</td><td>Yes</td><td>4440000334430006</td><td>5550000334460006</td><td>3550000334410006</td></tr><tr><td>SUSPECTED_FRAUD - The transaction was declined by channel due to the account being blocked or suspected as fraud</td><td>Yes</td><td>4440000334420007</td><td>5550000334450007</td><td>3550000334400007</td></tr><tr><td>BLOCKED_BY_FDS - The transaction was declined by FDS due to the transactions being categorized as high risk</td><td>Yes</td><td>4440000334410008</td><td>5550000334440008</td><td>3550000334490008</td></tr><tr><td>REQUIRE_REVIEW - The transaction was deferred by FDS due to the transactions being categorized as suspicious</td><td>Yes</td><td>4440000334400009</td><td>5550000334430009</td><td>3550000334480009</td></tr><tr><td>INSUFFICIENT_FUND - The transaction was declined by the issuer due to credit limit or balance is not sufficient</td><td>Yes</td><td>4440000334470010</td><td>5550000334400010</td><td>3550000334450010</td></tr><tr><td>CHANNEL_UNAVAILABLE - The transaction failed due to the issuer being unavailable or having a system malfunction</td><td>Yes</td><td>4440000334460011</td><td>5550000334490011</td><td>3550000334440011</td></tr><tr><td>CANCELLED_BY_USER - The 3DS attempt was cancelled by the cardholder</td><td>Yes</td><td>4440000334450012</td><td>5550000334480012</td><td>3550000334430012</td></tr><tr><td>Foreign Card - Requires Billing Address</td><td>Yes</td><td>4448100334430014</td><td>5558100334460014</td><td>3558100334410014</td></tr></tbody></table>

### 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

{% hint style="info" %}
Any AVS <mark style="color:orange;">`gatewayCode`</mark> result will not void the transaction. If the Issuing bank has been approved
{% endhint %}

<table><thead><tr><th width="343.1650390625">Address Line</th><th>AVS gatewayCode Result</th></tr></thead><tbody><tr><td>Alpha Street</td><td>SERVICE_NOT_AVAILABLE_RET</td></tr><tr><td>Bravo Street</td><td>NOT_AVAILABLE</td></tr><tr><td>Charlie Street</td><td>DEFERRED_TRANSACTION_RECE</td></tr><tr><td>Delta Street</td><td>NO_MATCH</td></tr><tr><td>Echo Street</td><td>ZIP_MATCH</td></tr><tr><td>Foxtrot Street</td><td>ADDRESS_MATCH</td></tr><tr><td>Golf Street</td><td>ADDRESS_ZIP_MATCH</td></tr><tr><td>Hotel Street</td><td>NAME_MATCH</td></tr><tr><td>India Street</td><td>NAME_ZIP_MATCH</td></tr><tr><td>Juliett Street</td><td>NAME_ADDRESS_MATCH</td></tr><tr><td>Kilo Street</td><td>SERVICE_NOT_SUPPORTED</td></tr><tr><td>Lima Street</td><td>NOT_REQUESTED</td></tr><tr><td>Mike Street</td><td>NOT_VERIFIED</td></tr></tbody></table>