Testing the Virtual Terminal
To familiarize yourself with the tools in the Business Center and to ensure that your account is working completely, run test orders and simulate error messages as follows:
Step 1
To change additional settings, see Configuring Your Business Center Settings for detailed instructions.
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If you signed up for Smart Authorization, configure the settings so that your orders can be evaluated. See Configuring Smart Authorization.
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If you want other users to be able to test and use your account, configure user permissions. See Managing Users and Their Privileges.
Step 2
To familiarize yourself with the tools in the Business Center and to verify that your implementation is correct, request test transactions, including authorizations, captures, and credits, with your own credit card. If you prefer to use test credit card numbers, use those provided below with any future expiration date.
 
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All payment processors, except TSYS Acquiring Solutions (Vital), decline authorizations for card types for which you are not configured to accept. On the other hand, TSYS Acquiring Solutions declines capture requests for card types for which you are not configured to accept, most commonly American Express and Discover. Therefore, after going live, run test transactions for every card type that you wish to accept and verify that funds are transferred to your merchant account.
Visa
MasterCard
American Express
Discover
JCB
Diners Club
Maestro (UK Domestic)
Solo
4111 1111 1111 1111
5555 5555 5555 4444
3782 8224 6310 005
6011 1111 1111 1117
3566 1111 1111 1113
3800 000000 0006
6759 4111 0000 0008
6334 5898 9800 0001
For instructions on processing credit card transactions, see Processing an Order with the Virtual Terminal. To make it easy to tell what card(s) is processed successfully, you can use varying amounts for each type of credit card that you accept, such as $1.00 for Visa, $1.03 for MasterCard, and $1.06 for American Express.
If the transaction fails, your payment processor information is probably incorrect. Contact your acquiring bank to confirm your payment processor information.
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Although you can run test transactions now, make sure to read Preparing to Process Card-Present Transactions before you start accepting your customers’ orders. That section is crucial to understanding how you can process authorizations, sales, credits, and retail transactions successfully and effectively in the Business Center.
Step 3
If you want to process check transactions, prepare your implementation as follows:
a
Prepare your Web site or your call center. For detailed information, see Preparing to Accept Electronic Checks.
b
Sign up with a check processor by arranging this through your account provider.
c
Test your implementation by processing check debits and credits. For detailed information, see Debits, Credits, and Testing Your Implementation.
Step 4
If you have a card scanner to process retail transactions, attach it to your computer as directed. For detailed information on installing a card scanner, see Preparing to Process Card-Present Transactions.
Step 5
Request retail test transactions as follows:
- Alternately scan a card or enter the information manually.
- Print a receipt for each transaction.
- Adjust your retail transaction settings in the Virtual Terminal if necessary.
Step 6
After you have finished testing your implementation in the Business Center, click Log out in the navigation bar.
You are ready to accept your customers’ orders. See the next chapter, Processing an Order with the Virtual Terminal.