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46282 not declining a capture/charge - API and virtual terminal both

I'm trying to get my API going and it works great for successess, but I can't test a decline/failure situation because I can't get anything to fail.  Testing says billing zip code = 46282 should trigger a decline, but neither an API call (using Java SDK) nor the virtual terminal in test-mode/sandbox do this.

 

(ALso, should the txn id be 0? That seems suspicious, even for test mode.)

 

What am I doing wrong?   

 

setup: i.imgur.com/AUQGlKI.png

result: i.imgur.com/olXdAmc.png

 

mcampbell
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