BabelPay PSP Simulator INTERNAL TEST ONLY

An internal Card-PSP simulator that mimics a real card processor (auth / debit / capture / refund / void / cancel) so end-to-end tests don't have to depend on Citigate / Circoflow / CC7995.

Not available in production.

HTTP API

POST /v1/auth — reserve funds (no settlement)
POST /v1/debit — auth + capture in one step
POST /v1/capture — capture an existing auth
POST /v1/refund — refund a captured tx (full or partial)
POST /v1/void — void an unsettled auth
POST /v1/cancel — cancel a captured tx
POST /v1/status — look up a tx by id or merchantRef

All API requests must include the shared secret header X-Sim-Key.

Outcome rules (priority order)

Test card PAN match — see table below.
Amount last-2-digits fallback — useful when the PAN is delivered encrypted (ev:…).
Default: approved.

Test cards

PAN	Status	3DS	Description
`4242424242424242`	approved		Approved (Visa, no 3DS)
`4111111111111111`	approved		Approved (Visa, no 3DS)
`5555555555554444`	approved		Approved (Mastercard, no 3DS)
`378282246310005`	approved		Approved (Amex, no 3DS)
`4000000000003220`	approved	yes	Approved after 3DS challenge
`4000002500003155`	approved	yes	Approved after 3DS challenge (Visa)
`5200828282828210`	approved	yes	Approved after 3DS challenge (Mastercard)
`4000000000000002`	do_not_honor		Do not honor
`4000000000009995`	insufficient_funds		Insufficient funds
`4000000000000069`	expired_card		Expired card
`4000000000000127`	invalid_cvv		Invalid CVV
`4000000000000119`	psp_malfunction		Acquirer system malfunction
`4100000000000019`	suspected_fraud		Suspected fraud
`4000000000000259`	issuer_err		Issuer or switch is inoperative
`4000000000000341`	3ds_auth_failure	yes	3DS authentication failure
`4000000000000051`	psp_timeout		Acquirer timeout

Amount-last-2-digits fallback

Amount ends in	Status	3DS	Description
…12	invalid_amt		Invalid amount
…13	invalid_amt		Invalid amount
…14	invalid_account		Invalid card number
…33	expired_card		Expired card
…51	insufficient_funds		Insufficient funds
…54	expired_card		Expired card
…59	suspected_fraud		Suspected fraud
…65	do_not_honor		Exceeds withdrawal frequency
…79	invalid_cvv		Invalid CVV
…91	issuer_err		Issuer unavailable
…96	psp_malfunction		Acquirer system malfunction
…99	approved	yes	Approved after 3DS challenge (amount-rule: ends in 99)
…00	approved		Approved (amount-rule: ends in 00)
…01	do_not_honor		Refer to card issuer
…02	do_not_honor		Do not honor
…05	insufficient_funds		Insufficient funds