1 Introduction

The Card Transaction System (CTS) enables you to test the integration of your card processing systems and validate the setup of your External Host Interface (EHI) The External Host Interface (EHI) is a Thredd system that enables Thredd customers to receive and respond to real-time transaction data as well as financial messages. before you go live in a production environment. A simple dashboard provides built-in standard test cases and a transaction history screen.

The service is written as an API service which enables you to submit card test transactions in the Thredd UAT User Acceptance Testing environment in line with your programme setup. All input parameters are strings or numerics, making integration and testing simple and fast.

Using CTS, you can:

• Run standard built-in tests to simulate typical POS, ATM, mail-order/telephone-order (MOTO), AFD and e-commerce transactions

• Test authorisation messages for Chip & PIN Card transaction where the POS terminal reads and validates the card’s chip., Contactless Secure payment method using a debit or credit card or another payment device by using RFID technology and near-field communication. To use the system, a cardholder taps the payment card near a POS terminal equipped with the technology., Magstripe The magnetic stripe on the back of the card. Can be used for a card point of sale (POS) transaction using a merchant POS terminal., ATM Automated Teller (Cash) Machine. cash withdrawal, e-commerce, MOTO Mail and Telephone Order (MOTO) transaction, which is a payment made over the telephone (e.g., via a Call centre) or via a mail order catalogue., and Scheme Stand-in Processing (STIP) User Acceptance Testing

• Simulate clearing for all successful authorisations created on CTS, including clearing of partial refunds. The Clearing screen displays a list of all eligible transactions that can be cleared to simulate the presentment/financial record

• Execute refunds (full or partial) for all cleared transactions

• Test recurrence by specifying if a transaction is recurring (for e-commerce or MOTO)

• Execute reversals for successful authorisations that have not been cleared

• Simulate foreign exchange (FX) transactions by specifying the country where the transaction occurs to simulate cross-border transactions

• View a history of all CTS transactions which you can filter and refine

• Simulate a scheme STIP message for POS and e-commerce transactions

1.1 How does CTS work?

The figure below illustrates how you can simulate and test the payment authorisation flow using CTS.

Figure 1: Testing authorisations using the Card Transaction System