pen test is very easy to pass(just spray the papers (hairspray for example )) ..
but there is uv ink+ ir ink that can be easy to check with cheap lamps,texture , etc..
check chinese vendors for all that u need and maybe make your own banknotes.
there is no such thing.
my advice is to read some tutorial , practice some 2 weeks , and than u ll be able to remove 70% of watermarks in few minutes.
Hope it helps.