How can I test responseCodes using the card holder name

You can test different resultCodes, by using the desired resultCode as the holderName. For example, to test a REFERRAL refused payment use the following request: 

"amount": {
"currency": "USD",
"value": 1000
"reference": "Your order number",
"paymentMethod": {
"type": "scheme",
"number": "4111111111111111",
"expiryMonth": "10",
"expiryYear": "2020",
"holderName": "REFERRAL",
"cvc": "737"
"returnUrl": "",
"merchantAccount": "YOUR_MERCHANT_ACCOUNT"

This works the same for all other resultCodes. For more information and details refer to the following page: Testing with card holder name

Beware that testing a responseCode which includes an underscore using the card holder name which can trigger the non-alphabetical characters risk check, which may cause the payment to be declined with a FRAUD reason code. If this is the case another option to test resultCodes is using the additionalData object which then might be a better solution for your case. 

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