{"count":15,"note":"Use these pan_token values in POST /v1/authorize to trigger specific scenarios","test_cards":[{"token":"tok_approve","description":"Always approved","decision":"APPROVE","response_code":"00","category":"approval"},{"token":"tok_decline","description":"Generic decline — do not honour","decision":"DECLINE","response_code":"05","category":"decline"},{"token":"tok_insufficient","description":"Insufficient funds","decision":"DECLINE","response_code":"51","category":"decline"},{"token":"tok_stolen","description":"Stolen card","decision":"DECLINE","response_code":"43","category":"decline"},{"token":"tok_expired","description":"Expired card","decision":"DECLINE","response_code":"54","category":"decline"},{"token":"tok_fraud","description":"ML fraud score 0.95 — high risk","decision":"DECLINE","response_code":"59","category":"fraud"},{"token":"tok_velocity_exceeded","description":"Velocity limit exceeded","decision":"DECLINE","response_code":"61","category":"fraud"},{"token":"tok_blocked_mcc","description":"Blocked MCC","decision":"DECLINE","response_code":"57","category":"fraud"},{"token":"tok_cross_border_high","description":"Cross-border high risk","decision":"DECLINE","response_code":"93","category":"fraud"},{"token":"tok_3ds_required","description":"3DS challenge — ECI 06","decision":"APPROVE","response_code":"00","category":"3ds"},{"token":"tok_timeout","description":"Issuer timeout (3s delay)","decision":"DECLINE","response_code":"91","category":"error"},{"token":"tok_partial","description":"Partial approval — 50% of amount","decision":"APPROVE","response_code":"10","category":"approval"},{"token":"tok_referral","description":"Refer to card issuer","decision":"REFERRAL","response_code":"01","category":"decline"},{"token":"tok_invalid_cvv","description":"CVV mismatch","decision":"DECLINE","response_code":"82","category":"security"},{"token":"tok_avs_mismatch","description":"AVS mismatch — approved but flagged","decision":"APPROVE","response_code":"00","category":"security"}]}