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Blueprints Testing scenarios

Test AVS responses

Drive an address match, a mismatch and an unavailable result through the sandbox, so your integration reads the AVS code off the response instead of assuming the address was checked.

Signed in, you can run this blueprint against your own sandbox merchant one call at a time, with the values from each call threaded into the next. Sign in to run it.

4 steps, 3 API callsPaymentsTransactions

Samples use {{API_KEY}} for your API key and {{BASE_URL}} for this instance's API address. Anything else in double braces is a value an earlier step gave you.

Drive each response in the sandbox

1. Send a sale whose address verifies

API call

POST /api/transactions

Sending the billing ZIP 66666 makes the sandbox answer with the AVS response code "Y" and report it as "Address and ZIP match" in the response. This is the baseline. Run it first so the two below are a comparison rather than a single result you have nothing to weigh against.

Reference for this operation

Values this step gives you

    cURL

    curl -X POST "{{BASE_URL}}/api/transactions" \
      -H "api-key: {{API_KEY}}" \
      -H "Content-Type: application/json" \
      -d '{
        "transactionType": "Sale",
        "cardData": {
          "cardNumber": "4111111111111111",
          "nameOnCard": "Jane Doe",
          "expirationMonth": 12,
          "expirationYear": 2030,
          "billingAddress": { "zip": "66666" }
        },
        "invoiceData": {
          "amounts": { "base": 10.00, "total": 10.00 }
        }
      }'
    .NET

    using var http = new HttpClient { BaseAddress = new Uri("{{BASE_URL}}") };
    http.DefaultRequestHeaders.Add("api-key", "{{API_KEY}}");
    
    var response = await http.PostAsJsonAsync("/api/transactions", new
    {
        transactionType = "Sale",
        cardData = new
        {
            cardNumber = "4111111111111111",
            nameOnCard = "Jane Doe",
            expirationMonth = 12,
            expirationYear = 2030,
            billingAddress = new { zip = "66666" }
        },
        invoiceData = new
        {
            amounts = new { @base = 10.00m, total = 10.00m }
        }
    });
    
    var result = await response.Content.ReadFromJsonAsync<JsonElement>();
    var validation = result.GetProperty("responseData").GetProperty("cardValidationData");
    var avs = validation.GetProperty("avsResponse").GetString();

    What this step answers with

    Abridged to the properties this step depends on. A real response carries more.

    HTTP 200

    {
      "id": "9f1c2d3e-4b5a-4c7d-8e9f-0a1b2c3d4e5f",
      "merchantId": "3a7b1c9d-2e4f-4a6b-8c8d-9e0f1a2b3c4d",
      "resultCode": "Ok",
      "authorizedAmount": 10.00,
      "responseData": {
        "resultCode": "Ok",
        "resultMessage": "Approved",
        "cardValidationData": {
          "avsResponse": "Y",
          "avsResponseText": "Address and ZIP match"
        }
      }
    }

    2. Send a sale whose address fails to verify

    API call

    POST /api/transactions

    Sending the billing ZIP 33333 makes the sandbox answer with the AVS response code "N" and report it as "Address and ZIP do not match" in the response. The transaction still approves. AVS doesn't refuse anything on its own, so an integration that reads only the result code can't tell this response apart from the one above.

    Reference for this operation

    Values this step gives you

      cURL

      curl -X POST "{{BASE_URL}}/api/transactions" \
        -H "api-key: {{API_KEY}}" \
        -H "Content-Type: application/json" \
        -d '{
          "transactionType": "Sale",
          "cardData": {
            "cardNumber": "4111111111111111",
            "nameOnCard": "Jane Doe",
            "expirationMonth": 12,
            "expirationYear": 2030,
            "billingAddress": { "zip": "33333" }
          },
          "invoiceData": {
            "amounts": { "base": 10.00, "total": 10.00 }
          }
        }'
      .NET

      using var http = new HttpClient { BaseAddress = new Uri("{{BASE_URL}}") };
      http.DefaultRequestHeaders.Add("api-key", "{{API_KEY}}");
      
      var response = await http.PostAsJsonAsync("/api/transactions", new
      {
          transactionType = "Sale",
          cardData = new
          {
              cardNumber = "4111111111111111",
              nameOnCard = "Jane Doe",
              expirationMonth = 12,
              expirationYear = 2030,
              billingAddress = new { zip = "33333" }
          },
          invoiceData = new
          {
              amounts = new { @base = 10.00m, total = 10.00m }
          }
      });
      
      var result = await response.Content.ReadFromJsonAsync<JsonElement>();
      var validation = result.GetProperty("responseData").GetProperty("cardValidationData");
      var avs = validation.GetProperty("avsResponse").GetString();

      What this step answers with

      Abridged to the properties this step depends on. A real response carries more.

      HTTP 200

      {
        "id": "9f1c2d3e-4b5a-4c7d-8e9f-0a1b2c3d4e5f",
        "merchantId": "3a7b1c9d-2e4f-4a6b-8c8d-9e0f1a2b3c4d",
        "resultCode": "Ok",
        "authorizedAmount": 10.00,
        "responseData": {
          "resultCode": "Ok",
          "resultMessage": "Approved",
          "cardValidationData": {
            "avsResponse": "N",
            "avsResponseText": "Address and ZIP do not match"
          }
        }
      }

      3. Send a sale the issuer can't verify

      API call

      POST /api/transactions

      Sending the billing ZIP 55555 makes the sandbox answer with the AVS response code "U" and report it as "Address information unavailable" in the response. The third state, and the one most often missed. No answer isn't the same as a mismatch, and a rule that treats it as one refuses good cardholders whose issuer doesn't participate.

      Reference for this operation

      Values this step gives you

        cURL

        curl -X POST "{{BASE_URL}}/api/transactions" \
          -H "api-key: {{API_KEY}}" \
          -H "Content-Type: application/json" \
          -d '{
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "55555" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          }'
        .NET

        using var http = new HttpClient { BaseAddress = new Uri("{{BASE_URL}}") };
        http.DefaultRequestHeaders.Add("api-key", "{{API_KEY}}");
        
        var response = await http.PostAsJsonAsync("/api/transactions", new
        {
            transactionType = "Sale",
            cardData = new
            {
                cardNumber = "4111111111111111",
                nameOnCard = "Jane Doe",
                expirationMonth = 12,
                expirationYear = 2030,
                billingAddress = new { zip = "55555" }
            },
            invoiceData = new
            {
                amounts = new { @base = 10.00m, total = 10.00m }
            }
        });
        
        var result = await response.Content.ReadFromJsonAsync<JsonElement>();
        var validation = result.GetProperty("responseData").GetProperty("cardValidationData");
        var avs = validation.GetProperty("avsResponse").GetString();

        What this step answers with

        Abridged to the properties this step depends on. A real response carries more.

        HTTP 200

        {
          "id": "9f1c2d3e-4b5a-4c7d-8e9f-0a1b2c3d4e5f",
          "merchantId": "3a7b1c9d-2e4f-4a6b-8c8d-9e0f1a2b3c4d",
          "resultCode": "Ok",
          "authorizedAmount": 10.00,
          "responseData": {
            "resultCode": "Ok",
            "resultMessage": "Approved",
            "cardValidationData": {
              "avsResponse": "U",
              "avsResponseText": "Address information unavailable"
            }
          }
        }

        Read the verification codes

        4. Compare the three responses

        On your side

        The code is on responseData.cardValidationData.avsResponse and the text the simulator reported it with is on responseData.cardValidationData.avsResponseText. Every call above sent the sandbox's guaranteed-approval amount, so the result code was the same on all three and only the verification code moved. The sandbox honours 17 billing ZIP triggers in total. The full table is on the testing page rather than repeated here. The verification code never changes the result code, so all three of these approve. Whether a mismatch should refuse the payment is the merchant's policy, configured on the merchant's card verification settings and applied after the processor answers. What your integration owes the payer is a decision it can explain. Read the code, make the call on purpose, and treat an unavailable answer as its own case rather than folding it into the mismatch branch.

        Reference for this operation

        Values this step gives you

          Run the whole flow as one script

          Every step above in one script you can copy and run. Replace {{API_KEY}} with your own API key and {{BASE_URL}} with this instance's API address, and set any value the script asks you for at the top. A step that happens outside the API stays a comment.

          Code sample language

          brew install jq

          cURL

          #!/usr/bin/env bash
          # Test AVS responses
          #
          # Drive an address match, a mismatch and an unavailable result through the sandbox, so your
          # integration reads the AVS code off the response instead of assuming the address was checked.
          #
          # Every API call in this blueprint, in order. Each value a call returns is passed to the calls after
          # it. A step that happens outside the API is a comment, and any failed call stops the script.
          
          set -euo pipefail
          
          BASE_URL="{{BASE_URL}}"
          API_KEY="{{API_KEY}}"
          
          # Sends one request and prints the response body. A failed call prints the API's answer and stops
          # the script.
          call() {
            local method="$1" path="$2" body="${3:-}" out
            local args=(-sS --fail-with-body -X "$method" "$BASE_URL$path" -H "api-key: $API_KEY")
            if [ -n "$body" ]; then
              args+=(-H "Content-Type: application/json" -d "$body")
            fi
            if ! out=$(curl "${args[@]}"); then
              printf '%s\n' "$out" >&2
              return 1
            fi
            printf '%s' "$out"
          }
          
          # Phase 1: Drive each response in the sandbox
          
          # Step 1: Send a sale whose address verifies
          call POST "/api/transactions" '{
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "66666" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          }' > /dev/null
          
          # Step 2: Send a sale whose address fails to verify
          call POST "/api/transactions" '{
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "33333" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          }' > /dev/null
          
          # Step 3: Send a sale the issuer can't verify
          call POST "/api/transactions" '{
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "55555" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          }' > /dev/null
          
          # Phase 2: Read the verification codes
          
          # Step 4: Compare the three responses
          # The code is on responseData.cardValidationData.avsResponse and the text the simulator reported it
          # with is on responseData.cardValidationData.avsResponseText. Every call above sent the sandbox's
          # guaranteed-approval amount, so the result code was the same on all three and only the verification
          # code moved. The sandbox honours 17 billing ZIP triggers in total. The full table is on the testing
          # page rather than repeated here. The verification code never changes the result code, so all three
          # of these approve. Whether a mismatch should refuse the payment is the merchant's policy,
          # configured on the merchant's card verification settings and applied after the processor answers.
          # What your integration owes the payer is a decision it can explain. Read the code, make the call on
          # purpose, and treat an unavailable answer as its own case rather than folding it into the mismatch
          # branch.
          

          PowerShell

          # Test AVS responses
          #
          # Drive an address match, a mismatch and an unavailable result through the sandbox, so your
          # integration reads the AVS code off the response instead of assuming the address was checked.
          #
          # Every API call in this blueprint, in order. Each value a call returns is passed to the calls after
          # it. A step that happens outside the API is a comment, and any failed call stops the script.
          
          $ErrorActionPreference = 'Stop'
          
          $baseUrl = '{{BASE_URL}}'
          $apiKey = '{{API_KEY}}'
          
          # Sends one request and returns the parsed response body. A failed call stops the script.
          function Invoke-BlueprintCall([string] $Method, [string] $Path, [string] $Body) {
              $arguments = @{
                  Method  = $Method
                  Uri     = $baseUrl + $Path
                  Headers = @{ 'api-key' = $apiKey }
              }
              if ($Body) {
                  $arguments.ContentType = 'application/json'
                  $arguments.Body = [System.Text.Encoding]::UTF8.GetBytes($Body)
              }
              Invoke-RestMethod @arguments
          }
          
          # Phase 1: Drive each response in the sandbox
          
          # Step 1: Send a sale whose address verifies
          $body = @'
          {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "66666" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          }
          '@
          $null = Invoke-BlueprintCall -Method 'POST' -Path '/api/transactions' -Body $body
          
          # Step 2: Send a sale whose address fails to verify
          $body = @'
          {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "33333" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          }
          '@
          $null = Invoke-BlueprintCall -Method 'POST' -Path '/api/transactions' -Body $body
          
          # Step 3: Send a sale the issuer can't verify
          $body = @'
          {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "55555" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          }
          '@
          $null = Invoke-BlueprintCall -Method 'POST' -Path '/api/transactions' -Body $body
          
          # Phase 2: Read the verification codes
          
          # Step 4: Compare the three responses
          # The code is on responseData.cardValidationData.avsResponse and the text the simulator reported it
          # with is on responseData.cardValidationData.avsResponseText. Every call above sent the sandbox's
          # guaranteed-approval amount, so the result code was the same on all three and only the verification
          # code moved. The sandbox honours 17 billing ZIP triggers in total. The full table is on the testing
          # page rather than repeated here. The verification code never changes the result code, so all three
          # of these approve. Whether a mismatch should refuse the payment is the merchant's policy,
          # configured on the merchant's card verification settings and applied after the processor answers.
          # What your integration owes the payer is a decision it can explain. Read the code, make the call on
          # purpose, and treat an unavailable answer as its own case rather than folding it into the mismatch
          # branch.
          

          TypeScript

          // Test AVS responses
          //
          // Drive an address match, a mismatch and an unavailable result through the sandbox, so your
          // integration reads the AVS code off the response instead of assuming the address was checked.
          //
          // Every API call in this blueprint, in order. Each value a call returns is passed to the calls
          // after it. A step that happens outside the API is a comment, and any failed call stops the script.
          
          export {};
          
          const baseUrl = '{{BASE_URL}}';
          const apiKey = '{{API_KEY}}';
          
          // Sends one request and returns the parsed response body. A failed call throws.
          async function call(method: string, path: string, body?: unknown): Promise<any> {
            const headers: Record<string, string> = { 'api-key': apiKey };
            if (body !== undefined) {
              headers['Content-Type'] = 'application/json';
            }
          
            const response = await fetch(baseUrl + path, {
              method,
              headers,
              body: body === undefined ? undefined : JSON.stringify(body),
            });
          
            const text = await response.text();
            if (!response.ok) {
              throw new Error(`${method} ${path} answered ${response.status}: ${text}`);
            }
          
            return text ? JSON.parse(text) : null;
          }
          
          // Phase 1: Drive each response in the sandbox
          
          // Step 1: Send a sale whose address verifies
          await call('POST', '/api/transactions', {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "66666" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          });
          
          // Step 2: Send a sale whose address fails to verify
          await call('POST', '/api/transactions', {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "33333" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          });
          
          // Step 3: Send a sale the issuer can't verify
          await call('POST', '/api/transactions', {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "55555" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          });
          
          // Phase 2: Read the verification codes
          
          // Step 4: Compare the three responses
          // The code is on responseData.cardValidationData.avsResponse and the text the simulator reported it
          // with is on responseData.cardValidationData.avsResponseText. Every call above sent the sandbox's
          // guaranteed-approval amount, so the result code was the same on all three and only the
          // verification code moved. The sandbox honours 17 billing ZIP triggers in total. The full table is
          // on the testing page rather than repeated here. The verification code never changes the result
          // code, so all three of these approve. Whether a mismatch should refuse the payment is the
          // merchant's policy, configured on the merchant's card verification settings and applied after the
          // processor answers. What your integration owes the payer is a decision it can explain. Read the
          // code, make the call on purpose, and treat an unavailable answer as its own case rather than
          // folding it into the mismatch branch.
          

          C#

          // Test AVS responses
          //
          // Drive an address match, a mismatch and an unavailable result through the sandbox, so your
          // integration reads the AVS code off the response instead of assuming the address was checked.
          //
          // Every API call in this blueprint, in order. Each value a call returns is passed to the calls
          // after it. A step that happens outside the API is a comment, and any failed call stops the script.
          
          using System.Text;
          using System.Text.Json;
          
          var baseUrl = "{{BASE_URL}}";
          var apiKey = "{{API_KEY}}";
          
          using var http = new HttpClient();
          http.DefaultRequestHeaders.Add("api-key", apiKey);
          
          // Sends one request and returns the parsed response body. A failed call throws.
          async Task<JsonElement> CallAsync(string method, string path, string? body = null)
          {
              using var request = new HttpRequestMessage(new HttpMethod(method), baseUrl + path);
              if (body is not null)
              {
                  request.Content = new StringContent(body, Encoding.UTF8, "application/json");
              }
          
              using var response = await http.SendAsync(request);
              var json = await response.Content.ReadAsStringAsync();
              if (!response.IsSuccessStatusCode)
              {
                  throw new HttpRequestException($"{method} {path} answered {(int)response.StatusCode}: {json}");
              }
          
              return json.Length == 0 ? default : JsonSerializer.Deserialize<JsonElement>(json);
          }
          
          // Phase 1: Drive each response in the sandbox
          
          // Step 1: Send a sale whose address verifies
          await CallAsync("POST", "/api/transactions", """
              {
                "transactionType": "Sale",
                "cardData": {
                  "cardNumber": "4111111111111111",
                  "nameOnCard": "Jane Doe",
                  "expirationMonth": 12,
                  "expirationYear": 2030,
                  "billingAddress": { "zip": "66666" }
                },
                "invoiceData": {
                  "amounts": { "base": 10.00, "total": 10.00 }
                }
              }
              """);
          
          // Step 2: Send a sale whose address fails to verify
          await CallAsync("POST", "/api/transactions", """
              {
                "transactionType": "Sale",
                "cardData": {
                  "cardNumber": "4111111111111111",
                  "nameOnCard": "Jane Doe",
                  "expirationMonth": 12,
                  "expirationYear": 2030,
                  "billingAddress": { "zip": "33333" }
                },
                "invoiceData": {
                  "amounts": { "base": 10.00, "total": 10.00 }
                }
              }
              """);
          
          // Step 3: Send a sale the issuer can't verify
          await CallAsync("POST", "/api/transactions", """
              {
                "transactionType": "Sale",
                "cardData": {
                  "cardNumber": "4111111111111111",
                  "nameOnCard": "Jane Doe",
                  "expirationMonth": 12,
                  "expirationYear": 2030,
                  "billingAddress": { "zip": "55555" }
                },
                "invoiceData": {
                  "amounts": { "base": 10.00, "total": 10.00 }
                }
              }
              """);
          
          // Phase 2: Read the verification codes
          
          // Step 4: Compare the three responses
          // The code is on responseData.cardValidationData.avsResponse and the text the simulator reported it
          // with is on responseData.cardValidationData.avsResponseText. Every call above sent the sandbox's
          // guaranteed-approval amount, so the result code was the same on all three and only the
          // verification code moved. The sandbox honours 17 billing ZIP triggers in total. The full table is
          // on the testing page rather than repeated here. The verification code never changes the result
          // code, so all three of these approve. Whether a mismatch should refuse the payment is the
          // merchant's policy, configured on the merchant's card verification settings and applied after the
          // processor answers. What your integration owes the payer is a decision it can explain. Read the
          // code, make the call on purpose, and treat an unavailable answer as its own case rather than
          // folding it into the mismatch branch.
          

          pip install requests

          Python

          # Test AVS responses
          #
          # Drive an address match, a mismatch and an unavailable result through the sandbox, so your
          # integration reads the AVS code off the response instead of assuming the address was checked.
          #
          # Every API call in this blueprint, in order. Each value a call returns is passed to the calls after
          # it. A step that happens outside the API is a comment, and any failed call stops the script.
          
          import requests
          
          BASE_URL = "{{BASE_URL}}"
          API_KEY = "{{API_KEY}}"
          
          
          # Sends one request and returns the parsed response body. A failed call raises.
          def call(method, path, body=None):
              response = requests.request(
                  method,
                  BASE_URL + path,
                  headers={"api-key": API_KEY},
                  json=body,
              )
              response.raise_for_status()
              return response.json() if response.content else None
          
          
          # Phase 1: Drive each response in the sandbox
          
          # Step 1: Send a sale whose address verifies
          call("POST", "/api/transactions", {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "66666" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          })
          
          # Step 2: Send a sale whose address fails to verify
          call("POST", "/api/transactions", {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "33333" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          })
          
          # Step 3: Send a sale the issuer can't verify
          call("POST", "/api/transactions", {
            "transactionType": "Sale",
            "cardData": {
              "cardNumber": "4111111111111111",
              "nameOnCard": "Jane Doe",
              "expirationMonth": 12,
              "expirationYear": 2030,
              "billingAddress": { "zip": "55555" }
            },
            "invoiceData": {
              "amounts": { "base": 10.00, "total": 10.00 }
            }
          })
          
          # Phase 2: Read the verification codes
          
          # Step 4: Compare the three responses
          # The code is on responseData.cardValidationData.avsResponse and the text the simulator reported it
          # with is on responseData.cardValidationData.avsResponseText. Every call above sent the sandbox's
          # guaranteed-approval amount, so the result code was the same on all three and only the verification
          # code moved. The sandbox honours 17 billing ZIP triggers in total. The full table is on the testing
          # page rather than repeated here. The verification code never changes the result code, so all three
          # of these approve. Whether a mismatch should refuse the payment is the merchant's policy,
          # configured on the merchant's card verification settings and applied after the processor answers.
          # What your integration owes the payer is a decision it can explain. Read the code, make the call on
          # purpose, and treat an unavailable answer as its own case rather than folding it into the mismatch
          # branch.
          

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