**Last updated**: 14 June 2025 | [**Change log**](/access/products/hosted-payment-pages/changelog/)

# Testing Hosted Payment Pages

Test your Hosted Payment Pages integration in the Try environment using a combination of cardholder and card number test values. Send requests and see simulated responses.

## Test scenarios

Payment only
- All unknown `cardHolderName` values (e.g. Bob) treat the payment as `authorized` by default.


| **Test scenario** | **Description** | **cardHolderName** | **cardNumber**  | **Outcomes**  |
|  --- | --- | --- | --- | --- |
| **Authorized** | Authorized by issuer | `AUTHORISED` | Schemes:- Visa: `4000000000002701`
- Mastercard: `5200000000002235`
- AMEX: `340000000002708`

 | `authorized` or `sentForSettlement` (if [settlement.auto](/access/products/payments/enable-features/auto-settlement) is enabled) |
| **Refused** | Refused by issuer | `REFUSED` | Schemes:- Visa: `4000000000002701`
- Mastercard: `5200000000002235`
- AMEX: `340000000002708`

 | `refused` |


3DS
- All FraudSight assessments are `lowRisk` for the below scenarios.
- All payment outcomes are `authorized` unless 3DS prevents the payment progressing.
- You can swap the `cardHolderName` to `REFUSED` to see a successful 3DS authentication that is still refused by the issuer.


| **Test scenario** | **Description** | **cardHolderName** | **cardNumber**  | **Outcomes**  |
|  --- | --- | --- | --- | --- |
| **Successful frictionless 3DS** | Issuer assessment resulted in a frictionless 3DS authentication | `AUTHORISED` | Schemes:- Visa: `4000000000002701`
- Mastercard: `5200000000002235`
- AMEX: `340000000002708`

 | Outcomes:- `authorized` or `sentForSettlement` (if [settlement.auto](/access/products/payments/enable-features/auto-settlement) is enabled)

 |
| **Successful 3DS challenge** | Issuer prompts a challenge in authentication, customer responds successfully | `AUTHORISED` | Schemes:- Visa: `4000000000002503`
- Mastercard: `5200000000002151`
- AMEX: `340000000002534`

 | Outcomes:- `authorized` or `sentForSettlement` (if [settlement.auto](/access/products/payments/enable-features/auto-settlement) is enabled)

 |
| **Failed frictionless 3DS authentication (request `/3dsDeviceData`)** | Issuer failed the 3DS authentication without offering a challenge | `Bob` - not important for this scenario | Schemes:- Visa: `4000000000002925`
- Mastercard: `5200000000002276`
- AMEX: `340000000002096`

 | Outcomes:- `refused`

 |
| **Failed challenged 3DS authentication (request `/3dsChallenges`)** | Issuer prompts a challenge in authentication, customer responds with incorrect details (e.g. OTP, fingerprint etc) | `Bob` - not important for this scenario | Schemes:- Visa: `4000000000002370`
- Mastercard: `5200000000002490`
- AMEX: `340000000002237`

 | Outcomes:- `refused`

 |


FraudSight
- If enabled, all 3DS authentications are `successful frictionless 3DS` for the below scenarios.
- All payment outcomes are `authorized` unless FraudSight prevents the payments progressing that far (e.g. highRisk).
- If `fraud.silentMode` is set to `true`:
  - a payment attempt is made regardless of the FraudSight outcome
  - `fraud.outcome` adds a `(silentMode)` suffix e.g. `lowRisk(silentMode)`


| **Test scenario** | **Description** | **cardHolderName** | **cardNumber**  | **Outcomes**  |
|  --- | --- | --- | --- | --- |
| **highRisk** | FraudSight flags the payment as highRisk and stops it from proceeding | `fs-highRisk` | Schemes:- Visa: `4000000000002701`
- Mastercard: `5200000000002235`
- AMEX: `340000000002708`

 | Outcomes:- `fraudHighRisk`
- if `fraud.silentMode` is set to `true` the outcome `authorized` or `sentForSettlement` is returned as the outcome is ignored

 |
| **review** | The assessment score is high enough to prompt a manual check but does not prevent the payment from proceeding. This only applies if your risk threshold levels are setup to use `review` | `fs-review` | Schemes:- Visa: `4000000000002701`
- Mastercard: `5200000000002235`
- AMEX: `340000000002708`

 | Outcomes:- `authorized` or `sentForSettlement` (if [settlement.auto](/access/products/payments/enable-features/auto-settlement) is enabled)

 |
| **lowRisk**
 | The assessment score is low enough to return a lowRisk outcome, the payment proceeds
 | `fs-lowRisk`
- **default behavior for any other value**

 | Schemes:
- Visa: `4000000000002701`
- Mastercard: `5200000000002235`
- AMEX: `340000000002708`

 | Outcomes:
- `authorized` or `sentForSettlement` (if [settlement.auto](/access/products/payments/enable-features/auto-settlement) is enabled)

 |


**Next steps**

[Go live](/access/products/hosted-payment-pages/go-live)