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Consumer Payments

  • Consumer Initiated Payments
  • Staff Initiated Payments
  • Payment Plans
  • Tokenization
  • Automatic Payment Collection
    • Automatic Payments Enrollment
    • Automatic Payments Trigger
      • Balance File Specification
      • Balance File Acknowledgement
    • Auto Payment Collect Batch Enrollment
      • Batch Unenrollment
    • Enhanced Enrollment File
    • Automatic Payments Sign Up File
  • Receipts
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  • Payment Posting
    • Polling Payment Response
    • Posting File Formats
      • EOD Posting File 1.4
      • EOD Posting File 1.3
      • EOD Posting File 1.2.2
      • EOD Posting File 1.2/1.2 CR
      • EOD Posting File 1.2.1
      • EOD Posting File 1.1/1.1 CR
      • EOD Posting File 1.1.1
      • EOD Posting File 1.0
      • EOD Posting File X12 835 1.0
      • EOD Posting File X12 835 2.0
      • EOD Posting File Lockbox A
      • EOD Posting File Lockbox A1.1
      • EOD Posting File Lockbox A v2
      • EOD Posting File Lockbox B
      • EOD Posting File Lockbox C
      • EOD Posting File Lockbox C v2
      • EOD Posting File Lockbox D
      • EOD Posting File Lockbox E
      • EOD Posting File Lockbox F
      • EOD Posting File Lockbox G
      • EOD Posting File Lockbox G v2
      • EOD Posting File LockBox H
      • EOD Posting File Lockbox I v1
      • EOD Posting File Lockbox L
      • Member Payments EOD Posting File v1.0
      • Payment Deposit File 1.0
      • Payment Deposit File 2.0
    • Webhook
    • Payment Interface Testing
    • Payment Transaction Import
      • Payment Transaction Import Data Fields
      • IDF Acknowledgement Data Fields
  • PCI Compliance
    • Recommended Options for PCI Compliance
    • Software Development Impact of PCI Compliance
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    • P2PE Devices
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  • Google Pay
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    • Manage Member Payment Methods
    • New Member Payment
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    • Member Payments Webhook
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InstaMed Developer Portal
  • Integration Overview
  • Consumer Payments
  • Consumer Billing
  • Healthcare
  • Disbursement Hub
  • Consumer Initiated
    • In App Apple Pay
  • Staff Initiated
  • Payment Plans
  • Tokenization
  • Automatic Payment Collection
    • Enrollment
    • Trigger
      • Balance File Specification
      • Balance File Acknowledgement
    • Batch Enrollment
      • Batch Unenrollment
    • Enhanced Enrollment File
    • Sign Up File
  • Receipts
  • Voids
  • Refunds
  • Payment Posting
    • Polling Payment Response
    • Posting File Formats
      • EOD Posting File 1.4
      • EOD Posting File 1.3
      • EOD Posting File 1.2.2
      • EOD Posting File 1.2/1.2 CR
      • EOD Posting File 1.2.1
      • EOD Posting File 1.1/1.1 CR
      • EOD Posting File 1.1.1
      • EOD Posting File 1.0
      • EOD Posting File X12 835 1.0
      • EOD Posting File X12 835 2.0
      • EOD Posting File Lockbox A
      • EOD Posting File Lockbox A1.1
      • EOD Posting File Lockbox A v2
      • EOD Posting File Lockbox B
      • EOD Posting File Lockbox C
      • EOD Posting File Lockbox C v2
      • EOD Posting File Lockbox D
      • EOD Posting File Lockbox E
      • EOD Posting File Lockbox F
      • EOD Posting File Lockbox G
      • EOD Posting File Lockbox G v2
      • EOD Posting File LockBox H
      • EOD Posting File Lockbox I v1
      • EOD Posting File Lockbox L
      • Member Payments EOD Posting File v1.0
      • Payment Deposit File 1.0
      • Payment Deposit File 2.0
    • Webhook
    • Payment Interface Testing
    • Payment Transaction Import
      • Payment Transaction Import Data Fields
      • IDF Acknowledgement Data Fields
  • PCI Compliance
    • Recommended Options
    • Software Development Impact
    • Hosting Impact
    • P2PE Devices
  • Consumer Profile
    • Consumer Experience
    • Staff Experience
  • Digital Wallet
  • Google Pay
  • Member Payments
    • Manage Payment Methods
    • New Payment
    • View Payment History
    • View Receipt
    • Webhook
  • Member Effectuation
  • Member IDF Import v1.1
  • User Management
  • Request Sandbox API Key
  • Contact
  • Terms of Use

Payment Interface Testing

The InstaMed Test Interface validates that the card number is a valid format, the expiration date is in the future and keys off of the requested amount to drive the response. You do not need InstaMed specific test cards. The Test Interface can also generate specific address verification responses keying off of the Zip Code entered at the time of the transaction, and CVV (CVN) based upon the security code (CVN) entered when submitting a sale.  

Here are example card numbers that can be used on the test interface:

Card BrandSample Testing Card Number
Visa4111 1111 1111 1111
MasterCard5500 0000 0000 0004
American Express3400 0000 0000 009
Discover6011 0000 0000 0004

The InstaMed Test Interface can be leveraged within any of the InstaMed Developer Portal Consumer or Staff facing Payment Wizards and in any of the sample API reference pages. You will receive InstaMed Test Interface credentials from your InstaMed Implementation Manager as part of any standard project once that request is processed.  

The test interface behavior by amount, ZIP Code, and CVV (CVN) are detailed in the following tables:

Payment Test Interface Response Messages by Amount

The following decimal dollar amounts will return the corresponding response messages from the Payment Test interface. The test credit card numbers are provided in the table above.

AmountResponse Message
$x.00APPROVAL
$x.01CALL
$x.02CALL
$x.03TERM ID ERROR
$x.04HOLD-CALL
$x.05DECLINED
$x.06ERROR
$x.07HOLD-CALL
$x.08HONOR WITH ID
$x.09ACCT LENGTH ERROR
$x.10PARTIALLY APPROVED $X.00
$x.11APPROVED
$x.12INVALID TRANS
$x.13AMOUNT ERROR
$x.14CARD NO. ERROR
$x.15NO SUCH ISSUER
$x.16CHECK DIGIT ERROR
$x.17CID FORMAT ERROR
$x.18CASHBACK NOT AVL
$x.19RE ENTER
$x.20DECLINED
$x.21NO ACTION TAKEN
$x.22CVV2 MISMATCH
$x.23DECLINED
$x.24INVALID FIELD
$x.25UNABLE TO LOCATE
$x.26ERROR
$x.28NO REPLY
$x.30CALL
$x.31CALL
$x.33EXPIRED CARD
$x.34CALL
$x.35CALL
$x.36CALL
$x.37CALL
$x.38PIN EXCEEDED
$x.39NO CREDIT ACCT
$x.40CALL
$x.41HOLD-CALL
$x.43HOLD-CALL
$x.51DECLINED
$x.52NO CHECK ACCOUNT
$x.53NO SAVE ACCOUNT
$x.54EXPIRED CARD
$x.55WRONG PIN
$x.56NO CARD RECORD
$x.57SERVICE NOT ALLOWED
$x.58SERVICE NOT ALLOWED
$x.59DECLINED
$x.60CALL
$x.61DECLINED
$x.62DECLINED
$x.63SEC VIOLATION
$x.64CALL
$x.65CALL
$x.66CALL
$x.67HOLD-CALL
$x.68CALL
$x.75PIN EXCEEDED
$x.76NO ACTION TAKEN
$x.77NO ACTION TAKEN
$x.78NO ACCOUNT
$x.79ALREADY REVERSED
$x.80DATE ERROR
$x.81ENCRYPTION ERROR
$x.82CVV ERROR
$x.83CANT VERIFY PIN
$x.85CARD OK
$x.86CANT VERIFY PIN
$x.87NO REPLY
$x.91NO REPLY
$x.92INVALID ROUTING
$x.93DECLINED
$x.94CALL
$x.96SYSTEM ERROR
$x.97AMT OVER SVC LMT
$x.98PLEASE RETRY
$x.99SEQ ERR PLS CALL

Zip Code Response Messages

The following zip codes will return the corresponding address verification response messages from the Payment Test interface.

Zip CodeResponse Message
92001ADDRESS MATCH
92002ADDRESS MATCH
92003NO MATCH
92004EXACT MATCH
92005NOT A MAIL/PHONE ORDER
92006EXACT MATCH
92007VER UNAVAILABLE
92008NO MATCH
92009EXACT MATCH
92010NO MATCH
92011ZIP MATCH
92012RETRY
92013SERV UNAVAILABLE
92014ZIP MATCH
92015VER UNAVAILABLE
92016ZIP MATCH
92017EXACT MATCH
92018EXACT MATCH
92019ZIP MATCH

CVV Response Messages

The following CVV (CVN) codes will return the corresponding response messages from the Payment Test interface.

CVVResponse Message
1CVV2 Match
2CVV2 Does not match
3Not processed
4Merchant indicated CVV2 not present
5Issuer not certified
6Reserved
7Invalid CVV1
8Reserved

Transaction Response Codes

The following authorization response codes will return the corresponding messages from the Payment interface.

Code  Corresponding Displayed Text  Definition
000  Approval  Approved for capture in batch.
000  New Account Information  Applies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion.
001  Referral  Referral  
003  Invld Mer ID  Invalid Merchant number or Subscriber doesn't exist or is inactive.
003  Declined  Invalid Merchant number or Subscriber doesn't exist or is inactive.  
005  Declined  Declined  
005  DOB Error  Date of Birth error for check processing.
010  Apprv Lesser Amt  Approved for a lesser amount than what was requested (i.e. partial approval).
012  Inv Tran  Invalid Transaction.
012  Inv State Code  Invalid State code for check processing. 
012  Referral-Inv TR1  More than 76 characters in Track 1 or Track 1 not formatted correctly.
013  Inv Amt  Invalid Amount
014  Inv Acct Num  Account Number not on file or Checking Account Number  
014  New Account Information  Applies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion. 
014  Do Not Try Again  Applies to recurring authorizations only. The account number is invalid.  
025  Inv Terminal  Terminal Not Found
028  Please Retry  File is temporarily unavailable.
051  Declined  Declined  
051  Inv Acct Num  Invalid Checking Acct Number
051  Do Not Honor  Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only.
051  Do Not Try Again  Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: the account was closed, or fraudulent.  
051  New Account Information Available  Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: Card has expired, Account was upgraded, Portfolio sale, Conversion. 
051  Try Again Later  Declined: Association’s payment cancellation advice code provided. Applies to recurring authorizations only. These are examples of what may have occurred: the account is over the credit limit try again in 72 hours. 
054  Do Not Try Again  Applies to recurring authorizations only. The card has expired.  
054  New Account Information  Applies to recurring authorizations only. The card has expired.  
054  Try Again Later  Applies to recurring authorizations only. The card has expired. Get the new expiration date and try again.  
054  Expired Card  Expired Card
055  Incorrect Pin  Incorrect Pin
057  Tran Not Allowed  Transaction Not Allowed
060  Hold-Call Ctr  Capture Card -- Call Center
061  Amt Exceeds Lmt  Amount Exceeds Limit
063  Serv Not Allowed  Service Not Allowed
063  Declined  For American Express transactions if the CID from the transaction doesn't match the one on file then decline transaction. Transaction not permitted to acquirer or terminal.
063  Do Not Try Again  Applies to recurring authorizations only. There was security violation.  
069  Host Key Error  Host Key Error
075  Pin Retry Max  Allowable number of PIN tries exceeded.  
075  Pin Try Exceeded  Allowable number of PIN tries exceeded. 
076  Approval  Approved (non captured).
085  No Reasn To Decl  No reason to decline. Response Code 85 is applicable for all $0.00 transactions.
089  Invalid Term ID  Invalid Terminal ID
089  Declined  Term record not found on First Data system.  
091  Please Retry  Reasons for this error are one of the following: Format Error, Unable to route transaction, Switch or issuer unavailable, System Busy Timeout.
094  Duplicate Tran  Duplicate Transaction
151 Declined VOID ERROR: Payment cannot be voided.
0C2  CVV2 Declined  Association indicated the transaction was not approved due to mismatch of the CVV2, CVC2, or CID value, but it would have been approved had the value matched.  
0CE  System Problem  System Problem
0N3  Invld Acct2  Invalid account/date or sales date in future.
0N3  Declined  Invalid Effective Date  
0NG  Rev Rejected  Reversal Rejected cannot parse 400 message.  
0NH  Enter Lesser Amt  Enter Lesser Amount
0NI  Pin Xlate Error  Host Security module could not decrypt the PIN block.  Master Session: The master key is missing or incorrect in the PIN pad, or the merchant record set-up incorrectly at First Data Host. The Base Derivation key is missing or incorrect in the PIN pad, or is set-up incorrectly in the Host Security Module.
0NJ  Inv Cashback Amt  Cash Back amount greater than total Transaction amount (bit 4).
0NK  Crypto Box Unav  Crypto box is offline.
0NL  Dbt Switch Unavl  Communications link to debit/EBT network gateway is down or responded with a "System Malfunction (96)" message.
0NL  DBT T.O. Retry  Communications link to debit/EBT network gateway is down or responded with a "System Malfunction (96)" message.
0NM  Issuer Unav  Debit/EBT network gateway cannot get through to the ISSUER.  
0NN  Undefined Card  Debit/EBT network gateway cannot route card based on Merchant Entitlement  
0NP  Dbtsw inv merid  Network Response indicates that Merchant ID/SE is invalid.  
0NQ  Tran Ct Excd Lmt  Debit/EBT transaction count exceeds pre-determined limit in specified time/withdrawal limit exceeded.  
0NR  Resub Excds Lmt  Resubmission of transaction violates debit/EBT network frequency . 
0NS  Dbtsw Pin Xl Err  The authorizing network has a problem decrypting the cryptogram in the request. 
0NU  Declined  Insufficient Funds. MasterCard or Check transactions may override standard display for responses.
0RW  Rev Outside Win  Reversal Outside Window. Reversal transaction was received, but the original matching authorization request was processed more than 25 minutes ago and is no longer eligible to be reversed. (applicable to Credit Host Capture only). If the POS has received a RW response (25 minutes after the original authorization), the transaction cannot be reversed (voided). The Merchant must issue a refund/credit, or refund the amount authorized by other means.

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