<  

 
 
 
  PAYMETRIC  
 
  XIPAY ON‐
 
  DEMAND 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
American Express Testing 
 
 
  Guidelines
 
 
 
 
 

 
 
 

Contents   
 
 
 
INTRODUCTION ........................................................................................................................... 3
IMPORTANT EXCEPTIONS ............................................................................................................. 3
CID TESTING .............................................................................................................................. 4
CID – Card Not Present Transactions........................................................................................... 4
CID – Card Present Transactions.................................................................................................. 5
AAV Testing ............................................................................................................................. 6
Card Not Present Transactions .................................................................................................... 6
Card Not Present Transaction – Standard AAV ‐ ZIP Only........................................................ 7
Card Not Present Transaction – Standard AAV – ZIP + Billing Address.................................... 9
Card Not Present Transaction – Standard AAV – ZIP + Billing Name + Billing Address.......... 11
Card Not Present Transaction – Enhanced AAV..................................................................... 13
Card Present Transactions ......................................................................................................... 15
Card Present Transaction – Standard AAV ‐ ZIP Only ............................................................ 15
Card Present Transaction – Standard AAV – ZIP + Billing Address......................................... 16
Card Present Transaction – Standard AAV – ZIP + Billing Name + Billing Address ................ 17
Card Present Transaction – Enhanced AAV............................................................................ 18
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

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American Express Test Guidelines   
Technical Publications  
 

INTRODUCTION  
The objective of this document is to provide Paymetric Merchants the information 
needed to execute and complete QA Certification testing. The primary objective of QA 
Certification is to ensure that the XiPay On‐Demand service and the various associated 
deliverables are configured and functional per the Merchant’s stated business 
requirements (SOW). 

IMPORTANT EXCEPTIONS 
 
The certification process does not and cannot validate the status of the merchant’s 
production account(s). The ability to fund against a specific Merchant ID can only be 
verified in production. Similarly, fraud verification tools such as CVV and AVS can only be 
verified in production.  
 
NOTE: Paymetric does not imply that this certification guarantees any transaction processing 
requirements or interchange qualification from a processor perspective. 
 

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2011© Paymetric, Inc. All Rights Reserved. 
 
American Express Test Guidelines   
Technical Publications  
 

CID TESTING 
• The XiPay CVV2 field represents the AMEX CID value submitted during Authorizations.  
• The response for the Authorization is returned in the XiPay Action Code field.  
• The response for CID 
 

CID – Card Not Present Transactions

Exp. swipe XiPay Expected Action Expected

Date Amount Curr. ansi/iso Packet Code for Auth Response-
Card # (MMYY) Range Code T1/T2 CVV2 Response CID
373953192351004 1012 $1-10 840 ansT1 2234 000-Approve Y
373953192351004 1012 $1-10 840 ansT2 2234 000-Approve Y
373953192351004 1012 $11-20 840 2234 100-Deny Y
373953192351004 1012 $21-30 840 0150 107-Please Call N
110-Deny, Amount
373953192351004 1012 $31-40 840 isoT2 Error none
101-Deny,Invalid
373953192351004 1012 $41-50 840 isoT1 1005 Exp. Date N
111-Deny, Invalid
341111599241000 1012 $51-60 840 2234 Acct. none
109-Deny, Invalid
373953195351001 1012 $61-70 840 0000 Merch N
188-Deny,Account
373953192351004 1012 $71-80 840 1234 Cancelled N
341111599241000 1012 $100-110 840 ansT2 000-Approve none
341111599241000 1012 $111-120 840 6590 100-Deny N
373953146391007 1012 $1-10 840 9999 000-Approve U
122-Deny, Invalid
373953192351004 1012 $81-90 840 isoT2 CID/CSC none
$105000-
373953192351004 1012 $110000 840 000-Approve none
???- this is an
341111599241000 1012 $130-$140 840 'exception test' none
 

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2011© Paymetric, Inc. All Rights Reserved. 
 
American Express Test Guidelines   
Technical Publications  
 
 

CID – Card Present Transactions

Exp. Expected Expected

Date Amount Curr. Response- Response-
Card # (MMYY) Range Code CID Auth CID
373953192351004 1012 zero $ 840 000-Approve none
373953192351004 1012 $1-10 840 000-Approve none
373953192351004 1012 $1-10 840 000-Approve none
373953192351004 1012 $1-10 840 8340 000-Approve N
373953192351004 1012 $1-10 840 8340 000-Approve N
122-Deny,
Invalid
373953192351004 1012 $81-90 840 8847 CID/CSC N
 
Provide examples for both Track1 and Track2 data if you are implementing both. 
 

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2011© Paymetric, Inc. All Rights Reserved. 
 
American Express Test Guidelines                                Technical Publications  
   

AAV Testing 
This section defines test information for the Automated Address Verification (AAV) feature. Only one AVSCode is returned in the response depending upon which AAV data level scenario you 
are implementing. The scenarios are as follows: 
 
• Standard AAV ‐ ZIP Code only 
• Standard AAV ‐ ZIP Code + Billing Address 
• Standard AAV ‐ ZIP Code + Billing Address + Billing Name (first and last name are separate fields) 
• Enhanced AAV ‐‐ which includes the following information: 
− Billing Phone Number 
− Ship To Address 
− Ship To Country 
− Ship To Name (first and last name are separate fields) 
 

Card Not Present Transactions

The tables in this section contain the test data for each AAV scenario for transactions in which the credit card is not present such as eCommerce and telephone orders. 

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Card Not Present Transaction – Standard AAV - ZIP Only

Submission Value Response
Values

ActionCode

AVSCode
Exp.
Date Amount Curr.
Card # (MMYY) Range Code CardHolderZIP
373953192351004 1012 $1-10 840 85054 000 M
373953192351004 1012 $1-10 840 000 none
373953192351004 1012 $11-20 840 85054 100 L
373953192351004 1012 $21-30 840 85054 107 D
373953192351004 1012 $31-40 840 85381 110 K
373953192351004 1012 $41-50 840 85054 101 M
341111599241000 1012 $51-60 840 85381 111 none
373953195351001 1012 $61-70 840 85381 109 U
373953192351004 1012 $71-80 840 85381 188 W
341111599241000 1012 $100-110 840 V4K1W5 000 O

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2011© Paymetric, Inc. All Rights Reserved. 
 
American Express Test Guidelines                                Technical Publications  
   

Card Not Present Transaction – Standard AAV - ZIP Only

Submission Value Response
Values

ActionCode

AVSCode
Exp.
Date Amount Curr.
Card # (MMYY) Range Code CardHolderZIP
341111599241000 1012 $111-120 840 94230 100 F
373953146391007 1012 $1-10 840 85054 000 E
373953192351004 1012 $81-90 840 122 none
$105000- 000
373953192351004 1012 $110000 840 none
$130- ???
341111599241000 1012 $140 840 none
 
 

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2011© Paymetric, Inc. All Rights Reserved. 
 
American Express Test Guidelines                                Technical Publications  
   

Card Not Present Transaction – Standard AAV – ZIP + Billing Address

Response
Submission Values
Values

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr. CardHolderAddress1
Card # (MMYY) Range Code (‘~’ indicates a space)
373953192351004 1012 $1-10 840 85054 18850~N~56~ST~APT301 000 M
373953192351004 1012 $1-10 840 000 none
373953192351004 1012 $11-20 840 85054 18850~N~56~ST 100 L
373953192351004 1012 $21-30 840 85054 12345~N~56~ST~APT301 107 D
373953192351004 1012 $31-40 840 85381 18899~N~56~ST~APT301 110 K
373953192351004 1012 $41-50 840 85054 18850~N~56~ST~APT301 101 M
341111599241000 1012 $51-60 840 85381 18850~N~56~ST~APT301 111 none
373953195351001 1012 $61-70 840 85381 18850~N~56~ST~APT301 109 U
373953192351004 1012 $71-80 840 85381 12345~N~56~ST~APT301 188 W

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American Express Test Guidelines                                Technical Publications  
   

Card Not Present Transaction – Standard AAV – ZIP + Billing Address

Response
Submission Values
Values

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr. CardHolderAddress1
Card # (MMYY) Range Code (‘~’ indicates a space)
341111599241000 1012 $100-110 840 V4K1W5 4102~N~289~PL 000 O
341111599241000 1012 $111-120 840 94230 4102~N~289~PL 100 F
373953146391007 1012 $1-10 840 85054 18850~N~56~ST~APT301 000 E
373953192351004 1012 $81-90 840 122 none
$105000- 000
373953192351004 1012 $110000 840 none
$130- ???
341111599241000 1012 $140 840 none
 
 
 

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Card Not Present Transaction – Standard AAV – ZIP + Billing Name + Billing Address
Response
Submission Values
Values

HD_BUYER_CNTCTPHONE
(if infoitem not used cartridge will

(if infoitem not used cartridge will

CardholderName packet field)

CardholderName packet field)

HD_BUYER_FNAME

HD_BUYER_LNAME
attempt to parse from

attempt to parse from

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr. CardHolderAddress1
Card # (MMYY) Range Code (‘~’ indicates a space)
623492 000
373953192351004 1012 $1-10 840 85054 18850~N~56~ST~APT301 JANE SMITH 8872 M
373953192351004 1012 $1-10 840 000 none
623492 100
373953192351004 1012 $11-20 840 85054 18850~N~56~ST JANE SMITH 8872 L
623492 107
373953192351004 1012 $21-30 840 85054 12345~N~56~ST~APT301 RUTH SMITH 8872 D
373953192351004 1012 $31-40 840 85381 18899~N~56~ST~APT301 JANE SMITH 110 K
623492 101
373953192351004 1012 $41-50 840 85054 18850~N~56~ST~APT301 JANE SMITH 8872 M
341111599241000 1012 $51-60 840 85381 18850~N~56~ST~APT301 JANE SMITH 111 none
373953195351001 1012 $61-70 840 85381 18850~N~56~ST~APT301 JANE SMITH 623492 109 U

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2011© Paymetric, Inc. All Rights Reserved. 
 
American Express Test Guidelines                                Technical Publications  
   

Card Not Present Transaction – Standard AAV – ZIP + Billing Name + Billing Address
Response
Submission Values
Values

HD_BUYER_CNTCTPHONE
(if infoitem not used cartridge will

(if infoitem not used cartridge will

CardholderName packet field)

CardholderName packet field)

HD_BUYER_FNAME

HD_BUYER_LNAME
attempt to parse from

attempt to parse from

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr. CardHolderAddress1
Card # (MMYY) Range Code (‘~’ indicates a space)
8872
623492 188
373953192351004 1012 $71-80 840 85381 12345~N~56~ST~APT301 RUTH SMITH 8872 W
623492 000
341111599241000 1012 $100-110 840 V4K1W5 4102~N~289~PL ROBERT JONES 8872 O
623492 100
341111599241000 1012 $111-120 840 94230 4102~N~289~PL SUSANS JONES 8872 F
623492 000
373953146391007 1012 $1-10 840 85054 18850~N~56~ST~APT301 SUSANS JONES 8872 E
373953192351004 1012 $81-90 840 122 none
$105000- 000
373953192351004 1012 $110000 840 none
341111599241000 1012 $130-$140 840 ??? none

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Card Not Present Transaction – Enhanced AAV

Response
Submission Values Values

HD_BUYER_CNTCTPHONE
(if infoitem not used cartridge will

(if infoitem not used cartridge will

CardholderName packet field)

CardholderName packet field)

(‘~’ indicates a space)

(‘~’ indicates a space)

CardHolderAddress1

HD_SHIPTO_FNAME

HD_SHIPTO_LNAME
HD_SHIPTO_CNTRY
HD_BUYER_FNAME

HD_BUYER_LNAME

HD_SHIPTO_ADDR
attempt to parse from

attempt to parse from

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr.
Card # (MMYY) Range Code
18850~N~56~ST 623492 8850~N~56~ST 840 JANE SMITH 000
373953192351004 1012 $1-10 840 85054 ~APT301 JANE SMITH 8872 ~APT301
373953192351004 1012 $1-10 840 000 none
623492 840 JANE SMITH 100 L
373953192351004 1012 $11-20 840 85054 18850~N~56~ST JANE SMITH 8872
12345~N~56~ST 623492 840 JANE SMITH 107 D
373953192351004 1012 $21-30 840 85054 ~APT301 RUTH SMITH 8872
18899~N~56~ST 110 K
373953192351004 1012 $31-40 840 85381 ~APT301 JANE SMITH
18850~N~56~ST 623492 8850~N~56~ST 840 JANE SMITH 101 M
373953192351004 1012 $41-50 840 85054 ~APT301 JANE SMITH 8872 ~APT301

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Card Not Present Transaction – Enhanced AAV

Response
Submission Values Values

HD_BUYER_CNTCTPHONE
(if infoitem not used cartridge will

(if infoitem not used cartridge will

CardholderName packet field)

CardholderName packet field)

(‘~’ indicates a space)

(‘~’ indicates a space)

CardHolderAddress1

HD_SHIPTO_FNAME

HD_SHIPTO_LNAME
HD_SHIPTO_CNTRY
HD_BUYER_FNAME

HD_BUYER_LNAME

HD_SHIPTO_ADDR
attempt to parse from

attempt to parse from

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr.
Card # (MMYY) Range Code
18850~N~56~ST 111 none
341111599241000 1012 $51-60 840 85381 ~APT301 JANE SMITH
623492 8850~N~56~ST 840 JANE SMITH 109 U
18850~N~56~ST 8872 ~APT301
373953195351001 1012 $61-70 840 85381 ~APT301 JANE SMITH
12345~N~56~ST 623492 840 JANE SMITH 188 W
373953192351004 1012 $71-80 840 85381 ~APT301 RUTH SMITH 8872
623492 840 JANE SMITH 000 O
341111599241000 1012 $100-110 840 V4K1W5 4102~N~289~PL ROBERT JONES 8872
623492 840 JANE SMITH 100 F
341111599241000 1012 $111-120 840 94230 4102~N~289~PL SUSANS JONES 8872
18850~N~56~ST 623492 840 JANE SMITH 000 E
373953146391007 1012 $1-10 840 85054 ~APT301 SUSANS JONES 8872
373953192351004 1012 $81-90 840 122 none

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American Express Test Guidelines                                Technical Publications  
   

Card Present Transactions

The tables in this section contain the test data for each AAV scenario for swiped transactions in which the credit card is present. Provide examples for both Track1 and Track2 data if you are 
implementing both. 
 
 

Card Present Transaction – Standard AAV - ZIP Only

Submission Value Response
Values

ActionCode

AVSCode
Exp.
Date Amount Curr.
Card # (MMYY) Range Code CardHolderZIP
373953192351004 1012 zero $ 840 85054 000 Z
373953192351004 1012 $1-10 840 000 none
373953192351004 1012 $1-10 840 85381 000 N
373953192351004 1012 $1-10 840 000 none
373953192351004 1012 $1-10 840 85381 000 N
373953192351004 1012 $81-90 840 93844 122 N
 

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Card Present Transaction – Standard AAV – ZIP + Billing Address

Response
Submission Values
Values

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr. CardHolderAddress1
Card # (MMYY) Range Code (‘~’ indicates a space)
373953192351004 1012 zero $ 840 85054 18850~N~56~ST~APT301 000 Y
373953192351004 1012 $1-10 840 000 none
373953192351004 1012 $1-10 840 85381 18899~N~56~ST~APT301 000 N
373953192351004 1012 $1-10 840 000 none
373953192351004 1012 $1-10 840 85381 18899~N~56~ST~APT301 000 N
373953192351004 1012 $81-90 840 93844 18899~N~56~ST~APT301 122 N
 
 
 

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Card Present Transaction – Standard AAV – ZIP + Billing Name + Billing Address
Response
Submission Values
Values

HD_BUYER_CNTCTPHONE
(if infoitem not used cartridge will

(if infoitem not used cartridge will

CardholderName packet field)

CardholderName packet field)

HD_BUYER_FNAME

HD_BUYER_LNAME
attempt to parse from

attempt to parse from

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr. CardHolderAddress1
Card # (MMYY) Range Code (‘~’ indicates a space)
623492 000 E
373953192351004 1012 zero $ 840 85054 18850~N~56~ST~APT301 JANE SMITH 8872
373953192351004 1012 $1-10 840 000 none
623492 000 W
373953192351004 1012 $1-10 840 85381 18899~N~56~ST~APT301 JANE SMITH 8872
373953192351004 1012 $1-10 840 000 none
623492 000 W
373953192351004 1012 $1-10 840 85381 18899~N~56~ST~APT301 JANE SMITH 8872
623492 122 W
373953192351004 1012 $81-90 840 93844 18899~N~56~ST~APT301 JANE SMITH 8872
 
 
 

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Card Present Transaction – Enhanced AAV

Response
Submission Values Values

HD_BUYER_CNTCTPHONE
(if infoitem not used cartridge will

(if infoitem not used cartridge will

CardholderName packet field)

CardholderName packet field)

(‘~’ indicates a space)
CardHolderAddress1

HD_SHIPTO_FNAME

HD_SHIPTO_LNAME
HD_SHIPTO_CNTRY
HD_BUYER_FNAME

HD_BUYER_LNAME

HD_SHIPTO_ADDR
attempt to parse from

attempt to parse from

CardHolderZIP

ActionCode

AVSCode
Exp.
Date Amount Curr.
Card # (MMYY) Range Code
18850~N~56~ST 623492 840 JANE SMITH 000
373953192351004 1012 zero $ 840 85054 ~APT301 SUSANS JONES 8872 E
373953192351004 1012 $1-10 840 000 none
18899~N~56~ST 623492 840 JANE SMITH 000
373953192351004 1012 $1-10 840 85381 ~APT301 RUTH SMITH 8872 W
373953192351004 1012 $1-10 840 000 none
18899~N~56~ST 623492 840 JANE SMITH 000
373953192351004 1012 $1-10 840 85381 ~APT301 JO SMITH 8872 W
18899~N~56~ST 623492 840 JANE SMITH 122
373953192351004 1012 $81-90 840 93844 ~APT301 RUTH SMITH 8872 W
 

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