This section provides all the necessary resources to support your integration testing with SIBS Gateway. 

It includes credentials, test payment instruments, and scenario simulation guidance to validate your integration before moving to production.

1. Testing Credentials 

To start testing your integration, your onboarding process must be completed with your Account Manager. 

Once completed, you will receive your testing credentials:

• Terminal Code  
• Bearer Token  
• Client ID 

What you can do with your test credentials

With a valid test account, you can:

• Onboard merchants digitally (Payment Facilitator flows) 
• Start integration testing flows 
• Access SIBS Gateway features and APIs 
• Execute test payment scenarios.

2. Testing Cards 

Use the following card data to simulate payment scenarios in the test environment. 

These cards are not linked to real accounts and do not generate real transactions.

Brand	Card number	Expiry date	CVC/CVV	3DS	3DS Authentication password
Visa	4176660000000100	12/28	597	Yes (Challenge)	123456
Visa	4761340000000035	12/28	536	No	–
Mastercard	5185520050000010	12/28	001	Yes (Challenge)	123456
Mastercard	5204740000001002	12/28	100	Yes (Frictionless)	–
Mastercard	5206361000001351	12/28	536	No	–
Cartes Bancaires Visa	4970 4178 0960 9823	12/28	914	Yes (Frictionless)	–
Cartes Bancaires MasterCard	5134 1486 5519 7817	12/28	419	Yes (Challenge)	123456
Cartes Bancaires Visa	4010 0562 0000 0018	12/28	123	Yes (Frictionless)
Cartes Bancaires MasterCard	5137 2100 0000 0018	12/28	123	Yes (Challenge)	123456

3. Response Simulation & Behavior 

The test environment allows simulation of different transaction outcomes depending on the payment method and input values. 

BLIK Negative Scenarios

To validate robust error handling, you can simulate specific decline scenarios for BLIK and Card payments. Use invalid 6-digit codes (BLIK). 

Payment Method	Decline Reason	Status Code	Description	6-digit code
BLIK	ALIAS_DECLINED	E0110	Transaction rejected by financial institution	912111
BLIK	TAS_DECLINED	E0201	Declined operation	927111
BLIK	USER_DECLINED	E0110	Transaction rejected by financial institution	934111
BLIK	SEC_DECLINED	E0201	Declined operation	969111
BLIK	SYSTEM_ERROR	E9999	SIBS internal error	956111
BLIK	GENERAL_ERROR	E9999	SIBS internal error	961111
BLIK	INSUFFICIENT_FUNDS	E0112	Transaction failed due to insufficient funds or exceed limits	960111
BLIK	TIMEOUT	E0111	Transaction has expired	989111
BLIK	LIMIT_EXCEEDED	E0112	Transaction failed due to insufficient funds or exceed limits	990111
BLIK	USER_TIMEOUT	E0111	Transaction has expired	949111
BLIK	ISSUER_DECLINED	E0110	Transaction rejected by financial institution	902111

Card Negative Scenarios

To validate robust error handling, you can simulate specific decline scenarios for Card payments. Use predefined transaction amounts to trigger specific decline response. 

Brand	Decline Reason	Status Code	Description	Amount
Visa & Mastercard	Exceeds withdrawal frequency	E0109	Invalid request, requires authentication	65.65
Mastercard	Exceeds withdrawal limit	E0761	Transaction exceeds cardholder allowed withdrawal limit	40
Visa	Suspected fraud	E0759	Transaction declined due to suspected fraudulent activity	15
Mastercard	Invalid transaction	E0712	Transaction not allowed under card terms	120
Mastercard	Suspected fraud	E0759	Transaction declined due to suspected fraudulent activity	144
Visa & Mastercard	Incorrect PIN	E0755	Cardholder entered an incorrect PIN	110

4. ISO Code References

Codes are used across SIBS Gateway APIs as standard identifiers for countries, currencies, and languages. 

They ensure consistency across onboarding, transaction processing, and reporting flows. 

Domain	ISO Standard
Country	ISO 3166-1 Alpha-2 (numeric for onboarding API)
Currency	ISO 4217 Alpha-3
Language	ISO 639-1