diff --git a/packages/payments-adapter-ctbc-micro-fast-pay/__tests__/ctbc-payments.spec.ts b/packages/payments-adapter-ctbc-micro-fast-pay/__tests__/ctbc-payments.spec.ts
new file mode 100644
index 00000000..83735cb6
--- /dev/null
+++ b/packages/payments-adapter-ctbc-micro-fast-pay/__tests__/ctbc-payments.spec.ts
@@ -0,0 +1,330 @@
+import { CardType, CTBCBindCardRequest, CTBCOrder, CTBCPayment } from '../src';
+import * as iconv from 'iconv-lite';
+import * as ctbcCrypto from '../src/ctbc-crypto-core';
+
+jest.mock('iconv-lite', () => ({
+  __esModule: true,
+  decode: jest.fn(),
+}));
+
+const rspjsonpwdToBody = (response: {}): string => {
+  const rspjsonpwd = encodeURIComponent(JSON.stringify(response));
+
+  return `rspjsonpwd=${rspjsonpwd}`;
+};
+
+const jsonToBody = (response: {}): string => {
+  return encodeURIComponent(JSON.stringify(response));
+};
+
+describe('CTBCPayments Mock Tests', () => {
+  let payment: CTBCPayment;
+  let order: CTBCOrder;
+  let bindCardRequest: CTBCBindCardRequest;
+
+  const mockFailedResponse = {
+    Response: {
+      ReturnCode: 'I0001',
+      ReturnMsg: 'FAILED',
+      Data: {
+        TXN: 'aZ7xQpL9vRt3HsMnK2wJf4Dy',
+      },
+    },
+  };
+
+  const mockSuccessResponse = {
+    Response: {
+      ReturnCode: 'I0000',
+      ReturnMsg: 'SUCCESS',
+      Data: {
+        TXN: 'aZ7xQpL9vRt3HsMnK2wJf4Dy',
+      },
+    },
+  };
+
+  beforeEach(() => {
+    jest.clearAllMocks();
+
+    // setup order
+    order = new CTBCOrder({
+      id: '123',
+      items: [
+        {
+          name: 'Test Item',
+          quantity: 1,
+          unitPrice: 1000,
+        },
+      ],
+      gateway: payment,
+      createdAt: new Date(),
+    });
+
+    // setup payment instance with same txnKey
+    payment = new CTBCPayment({
+      merchantId: 'TEST_MERCHANT',
+      merId: 'TEST_MERID',
+      txnKey: 'h3Qx7uZLmYpWv8CtEr2KdBfj',
+      terminalId: 'TEST_TERMINAL',
+      baseUrl: 'https://testepos.ctbcbank.com',
+      isAmex: false,
+    });
+
+    Reflect.set(order, '_gateway', payment);
+
+    // setup bind card request
+    bindCardRequest = new CTBCBindCardRequest(
+      {
+        MerID: 'TEST_MERID',
+        MemberID: 'TEST_MEMBERID',
+        RequestNo: 'xyz987',
+        TokenURL: 'https://tokenurl.ctbcbank.com',
+      },
+      payment,
+    );
+  });
+
+  describe('CTBCPayments.handleCallbackTextBodyByURLPath', () => {
+    describe('callbackPath', () => {
+      const url = '/payments/ctbc/callback';
+
+      it('should throw error if URLResEnc is not provided', async () => {
+        await expect(payment.handleCallbackTextBodyByURLPath(url, '')).rejects.toThrow(
+          'Missing URLResEnc parameter in callback',
+        );
+      });
+
+      it('should throw error if requestId is not in parameter', async () => {
+        jest.spyOn(iconv, 'decode').mockReturnValue('status=SUCCESS');
+
+        await expect(
+          payment.handleCallbackTextBodyByURLPath(url, 'URLResEnc=h3Qx7uZLmYpWv8CtEr2KdBfj'),
+        ).rejects.toThrow('Missing lidm parameter in callback');
+      });
+
+      describe('Checkout Failed', () => {
+        it('VMJ', async () => {
+          jest.spyOn(iconv, 'decode').mockReturnValue('status=SUCCESS&lidm=123&errcode=01&errDesc=Transaction Failed');
+
+          const orderCache = Reflect.get(payment, 'orderCache');
+
+          orderCache.set('123', order);
+
+          await expect(
+            payment.handleCallbackTextBodyByURLPath(url, 'URLResEnc=h3Qx7uZLmYpWv8CtEr2KdBfj&lidm=123'),
+          ).rejects.toThrow('CTBC Card Checkout Failed: 01 - Transaction Failed');
+        });
+
+        it('AE', async () => {
+          Reflect.set(order, '_cardType', CardType.AE);
+          Reflect.set(payment, 'isAmex', true);
+          jest
+            .spyOn(iconv, 'decode')
+            .mockReturnValue('status=SUCCESS&lidm=123&errcode=A001&errDesc=Transaction Failed');
+
+          const orderCache = Reflect.get(payment, 'orderCache');
+
+          orderCache.set('123', order);
+
+          await expect(
+            payment.handleCallbackTextBodyByURLPath(url, 'URLResEnc=h3Qx7uZLmYpWv8CtEr2KdBfj&lidm=123'),
+          ).rejects.toThrow('CTBC Amex Checkout Failed: A001 - Transaction Failed');
+        });
+
+        it('Unknown', async () => {
+          Reflect.set(order, '_cardType', null);
+          jest.spyOn(iconv, 'decode').mockReturnValue('status=SUCCESS&lidm=123&');
+
+          const orderCache = Reflect.get(payment, 'orderCache');
+
+          orderCache.set('123', order);
+
+          await expect(
+            payment.handleCallbackTextBodyByURLPath(url, 'URLResEnc=h3Qx7uZLmYpWv8CtEr2KdBfj&lidm=123'),
+          ).rejects.toThrow('CTBC Unknown Checkout Failed: null - null');
+        });
+      });
+
+      describe('Checkout Success', () => {
+        it('should return 302 if clientBackUrl is provided', async () => {
+          Reflect.set(order, '_clientBackUrl', 'https://example.com');
+          jest.spyOn(iconv, 'decode').mockReturnValue('status=SUCCESS&lidm=123&errcode=00&xid=xid_123');
+
+          const orderCache = Reflect.get(payment, 'orderCache');
+
+          orderCache.set('123', order);
+
+          const result = await payment.handleCallbackTextBodyByURLPath(
+            url,
+            'URLResEnc=h3Qx7uZLmYpWv8CtEr2KdBfj&lidm=123',
+          );
+
+          expect(result).toEqual({
+            status: 302,
+            headers: {
+              Location: 'https://example.com',
+            },
+          });
+        });
+
+        it('should return 200 if clientBackUrl is not provided', async () => {
+          jest.spyOn(iconv, 'decode').mockReturnValue('status=SUCCESS&lidm=123&errcode=00&xid=xid_123');
+
+          const orderCache = Reflect.get(payment, 'orderCache');
+
+          orderCache.set('123', order);
+
+          const result = await payment.handleCallbackTextBodyByURLPath(
+            url,
+            'URLResEnc=h3Qx7uZLmYpWv8CtEr2KdBfj&lidm=123',
+          );
+
+          expect(result).toEqual({
+            status: 200,
+            headers: {
+              'Content-Type': 'text/plain',
+            },
+            body: '1|OK',
+          });
+        });
+      });
+    });
+
+    describe('boundCardPath', () => {
+      const url = '/payments/ctbc/bound-card';
+
+      describe('status code not I0000', () => {
+        it('should throw Bind Card Failed if there is request', async () => {
+          jest.spyOn(ctbcCrypto, 'decrypt3DES').mockReturnValue('StatusCode=I0001&StatusDesc=FAILED&RequestNo=abc123');
+
+          const body = rspjsonpwdToBody(mockFailedResponse);
+
+          await expect(payment.handleCallbackTextBodyByURLPath(url, body)).rejects.toThrow(
+            'CTBC Bind Card Failed: I0001 - FAILED',
+          );
+        });
+      });
+
+      describe('status code I0000', () => {
+        it('should throw error if request is undefined', async () => {
+          jest.spyOn(ctbcCrypto, 'decrypt3DES').mockReturnValue('StatusCode=I0000&StatusDesc=SUCCESS&RequestNo=abc123');
+
+          const body = rspjsonpwdToBody(mockSuccessResponse);
+
+          await expect(payment.handleCallbackTextBodyByURLPath(url, body)).rejects.toThrow(
+            'Unknown bind card request: abc123',
+          );
+        });
+
+        it('should return status 200 - OK', async () => {
+          jest
+            .spyOn(ctbcCrypto, 'decrypt3DES')
+            .mockReturnValue(
+              'StatusCode=I0000&StatusDesc=SUCCESS&RequestNo=abc123&CardToken=token_987&CardNoMask=CardMask=1234-5678-9876-5432',
+            );
+
+          const body = rspjsonpwdToBody(mockSuccessResponse);
+
+          const bindCardRequestsCache = Reflect.get(payment, 'bindCardRequestsCache');
+
+          bindCardRequestsCache.set('abc123', bindCardRequest);
+
+          const result = await payment.handleCallbackTextBodyByURLPath(url, body);
+
+          expect(result).toEqual({
+            status: 200,
+            headers: {
+              'Content-Type': 'text/plain',
+            },
+            body: '1|OK',
+          });
+        });
+      });
+    });
+
+    describe('boundCardCheckoutResultPath', () => {
+      const url = '/payments/ctbc/bound-card/checkout-result';
+
+      describe('status code not I0000', () => {
+        it('should throw Bound Card Checkout Failed if code is not I0000', async () => {
+          jest.spyOn(ctbcCrypto, 'decrypt3DES').mockReturnValue('StatusCode=I0001&StatusDesc=FAILED&RequestNo=abc123');
+
+          const body = jsonToBody(mockFailedResponse);
+
+          await expect(payment.handleCallbackTextBodyByURLPath(url, body)).rejects.toThrow(
+            'CTBC Bound Card Checkout Failed: I0001 - FAILED',
+          );
+        });
+      });
+
+      describe('status code I0000', () => {
+        it('should throw error if order is undefined', async () => {
+          jest.spyOn(ctbcCrypto, 'decrypt3DES').mockReturnValue('StatusCode=I0000&StatusDesc=SUCCESS&RequestNo=abc123');
+
+          const body = jsonToBody(mockSuccessResponse);
+
+          await expect(payment.handleCallbackTextBodyByURLPath(url, body)).rejects.toThrow(
+            'Unknown bound card checkout order: abc123',
+          );
+        });
+
+        describe('Checkout Success', () => {
+          it('should return 302 if clientBackUrl is provided', async () => {
+            Reflect.set(order, '_clientBackUrl', 'https://example.com');
+            jest
+              .spyOn(ctbcCrypto, 'decrypt3DES')
+              .mockReturnValue('StatusCode=I0000&StatusDesc=SUCCESS&RequestNo=abc123');
+
+            const body = jsonToBody(mockSuccessResponse);
+
+            const orderCache = Reflect.get(payment, 'orderCache');
+
+            orderCache.set('abc123', order);
+
+            const result = await payment.handleCallbackTextBodyByURLPath(url, body);
+
+            expect(result).toEqual({
+              status: 302,
+              headers: {
+                Location: 'https://example.com',
+              },
+            });
+          });
+
+          it('should return 200 - OK if clientBackUrl is not provided', async () => {
+            jest
+              .spyOn(ctbcCrypto, 'decrypt3DES')
+              .mockReturnValue('StatusCode=I0000&StatusDesc=SUCCESS&RequestNo=abc123');
+
+            const body = jsonToBody(mockSuccessResponse);
+
+            const orderCache = Reflect.get(payment, 'orderCache');
+
+            orderCache.set('abc123', order);
+
+            const result = await payment.handleCallbackTextBodyByURLPath(url, body);
+
+            expect(result).toEqual({
+              status: 200,
+              headers: {
+                'Content-Type': 'text/plain',
+              },
+              body: '1|OK',
+            });
+          });
+        });
+      });
+    });
+
+    it('not found path', async () => {
+      const result = await payment.handleCallbackTextBodyByURLPath('', '');
+
+      expect(result).toEqual({
+        status: 404,
+        headers: {
+          'Content-Type': 'text/plain',
+        },
+        body: '0|Not Found',
+      });
+    });
+  });
+});
diff --git a/packages/payments-adapter-ctbc-micro-fast-pay/src/ctbc-payment.ts b/packages/payments-adapter-ctbc-micro-fast-pay/src/ctbc-payment.ts
index 72c597ed..f2b3156e 100644
--- a/packages/payments-adapter-ctbc-micro-fast-pay/src/ctbc-payment.ts
+++ b/packages/payments-adapter-ctbc-micro-fast-pay/src/ctbc-payment.ts
@@ -158,6 +158,7 @@ export class CTBCPayment<CM extends CTBCOrderCommitMessage = CTBCOrderCommitMess
         const plain = iconv.decode(decrypted, 'big5');
 
         const payload = new URLSearchParams(plain);
+
         const requestId = payload.get('lidm');
 
         if (!requestId) {
@@ -255,6 +256,7 @@ export class CTBCPayment<CM extends CTBCOrderCommitMessage = CTBCOrderCommitMess
         const statusCode = decryptedParams.get('StatusCode');
         const statusDesc = decryptedParams.get('StatusDesc');
         const requestId = decryptedParams.get('RequestNo') ?? '';
+
         const request = await this.bindCardRequestsCache.get(requestId);
 
         if (statusCode !== 'I0000') {