American Express has stricter requirements and may require additional
configuration, especially when used in conjunction with digital wallets
like Apple Pay or Google Pay
:https://developer.authorize.net/api/reference/features/card-on-file.html.
The ...
Since test mode doesn't capture funds, you can simulate the capture
process by simply verifying the authorization response.Check the
response for responseCode 1 and authCode to confirm successful
authorization.
