== Test 1: CRC-16/CCITT-FALSE test vector resmi ==
  [PASS] crc16("123456789") === "29B1"

== Test 2: Payload statis dummy (TLV konsisten, CRC ditanam dengan fungsi yang sama) ==
  [PASS] payload statis lolos verifikasi CRC sendiri

== Test 3: Transform ke dinamis (nominal 9753, ref XK42) ==
  [PASS] tag 01 berubah 11 -> 12
  [PASS] tag 54 = "9753.00" (format 2 desimal)
  [PASS] tag 62-05 berisi ref XK42
  [PASS] CRC hasil valid

== Test 4: Nominal dengan kode pengurangan (10000 - 247 = 9753) ==
  [PASS] tag 54 = "9753.00"

== Test 5: Nominal terkecil (tier 5 menit: 2000 - 499 = 1501) ==
  [PASS] tag 54 = "1501.00"
  [PASS] CRC valid

== Test 6: Tanpa ref ==
  [PASS] tidak ada tag 62 (ref dihilangkan)
  [PASS] CRC valid

== Test 7: Input rusak ditolak ==
  [PASS] payload tidak valid -> exception
  [PASS] nominal 0 -> exception

== Ringkasan ==
PASS: 13  FAIL: 0

Contoh payload dinamis (nominal 9753):
00020101021226270014com.example0208merchant5204581253033605802ID5909NASKH ART6007JAKARTA54079753.0062080504XK42630437DC