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Test Cards

Use our simulated credit cards or banks to try different scenarios

When testing your integration, you should never use real card details or banking information. That’s why we provide simulated payment methods such as test card numbers, test banks (for Open Banking), and even test installment plans (for Visa Installment Service). Use these resources to test different scenarios for your application or website.

When using the cards, either through the API or Hosted Payment Page, you can enter any cardholder name, security code, and future-dated expiry.

Successful

Card Number	Card Type	Result	Description
4263970000005262	Visa	Successful	Successful transaction
5425230000004415	Mastercard	Successful	Successful transaction
374101000000608	American Express	Successful	Successful transaction
36256000000725	Diners Club	Successful	Successful transaction
6011000000000087	Discover	Successful	Successful transaction
3566000000000000	JCB	Successful	Successful transaction
135400000007187	UATP	Successful	Successful transaction

Declined

Card Number	Card Type	Result	Code	Description
4000120000001154	Visa	Declined	101	Declined by the bank
4000130000001724	Visa	Declined	102	Referral B
4000160000004147	Visa	Declined	103	Referral A - Card reported lost/stolen
4009830000001985	Visa	Declined	200	Communication Error
4242420000000091	Visa	Declined	111	Strong Customer Authentication Required
5114610000004778	Mastercard	Declined	101	Declined by the bank
5114630000009791	Mastercard	Declined	102	Referral B
5121220000006921	Mastercard	Declined	103	Referral A - Card reported lost/stolen
5135020000005871	Mastercard	Declined	200	Communication Error
5100000000000131	Mastercard	Declined	111	Strong Customer Authentication Required
376525000000010	American Express	Declined	101	Declined by the bank
375425000000907	American Express	Declined	102	Referral B
343452000000306	American Express	Declined	103	Referral A - Card reported lost/stolen
372349000000852	American Express	Declined	200	Communication Error
374205502001004	American Express	Declined	111	Strong Customer Authentication Required
36256000000998	Diners Club	Declined	101	Declined by the bank
36256000000634	Diners Club	Declined	102	Referral B
38865000000705	Diners Club	Declined	103	Referral A - Card reported lost/stolen
30450000000985	Diners Club	Declined	200	Communication Error
6011000000001010	Discover	Declined	101	Declined by the bank
6011000000001028	Discover	Declined	102	Referral B
6011000000001036	Discover	Declined	103	Referral A - Card reported lost/stolen
6011000000002000	Discover	Declined	200	Communication Error
3566000000001016	JCB	Declined	101	Declined by the bank
3566000000001024	JCB	Declined	102	Referral B
3566000000001032	JCB	Declined	103	Referral A - Card reported lost/stolen
3566000000002006	JCB	Declined	200	Communication Error
135400000009712	UATP	Declined	101	Declined by the bank
135400000007633	UATP	Declined	102	Referral B
135400000000281	UATP	Declined	103	Referral A - Card reported lost/stolen
135400000005637	UATP	Declined	205	Communication Error

DCC

Without 3D Secure authentication

Use the following cards to test Dynamic Currency Conversion (DCC) without 3D Secure authentication.

Card Number	Card Type	Result	Code	Description	Currency
4006097467207025	DCC	Successful	00	Successful transaction	AUD
4002933640008365	DCC	Successful	00	Successful transaction	EUR

With 3D Secure authentication

Use the following cards to test DCC with 3D Secure authentication.

Card Number	Card Type	Result	Code	Description	Currency
4222000001227408	DCC	Challenge_Required	N/A	Challenged Trx	USD
4263970000005262	DCC	Authentication_Successful	00	Successful Trx	EUR

3D Secure 2

We provide a Simulator issuer access control server (ACS) that allows you to test different 3D Secure scenarios for Visa or Mastercard.

Visa

Visa Message Version 2.2^††

Card Number	Flow Type	Transaction Result	ECI^†
4222000006285344	Frictionless	AUTHENTICATION_SUCCESSFUL	05
4222000009719489	Frictionless	AUTHENTICATION_SUCCESSFUL - No Method URL	05
4222000005218627	Frictionless	AUTHENTICATION_ATTEMPTED_BUT_NOT_SUCCESSFUL	06^†††
4222000002144131	Frictionless	AUTHENTICATION_FAILED	07
4222000007275799	Frictionless	AUTHENTICATION_ISSUER_REJECTED	07
4222000008880910	Frictionless	AUTHENTICATION_COULD_NOT_BE_PERFORMED	07
4222000001227408	Challenge	CHALLENGE_REQUIRED	N/A

^† The expected ECI value associated with the corresponding transaction status.
Note: Values may vary depending on the card issuer; however, the ECI will always indicate if there is a liability shift in favor of the merchant or not and can be used as a guide on whether to proceed to authorization.

^†† X-GP-VERSION: 2.2.0 is required to allow the use of the new message version 2.2 fields and values.

^††† Transaction was attempted but not successful; however, the bank is still willing to offer chargeback protection, so the transaction proceeds. Success is expected in this scenario.

Mastercard

Mastercard Message Version 2.2^††

Card Number	Flow Type	Transaction Result	ECI^†
5354560000000004	Frictionless	AUTHENTICATION_SUCCESSFUL	02
5571596304025153	Frictionless	AUTHENTICATION_SUCCESSFUL - No Method URL	02
5580364874958322	Frictionless	AUTHENTICATION_ATTEMPTED_BUT_NOT_SUCCESSFUL	01
5540010585397800	Frictionless	AUTHENTICATION_FAILED	00
5588312194362669	Frictionless	AUTHENTICATION_ISSUER_REJECTED	00
5520680211891022	Frictionless	AUTHENTICATION_COULD_NOT_BE_PERFORMED	00
5506874496684651	Challenge	CHALLENGE_REQUIRED	N/A

^†† X-GP-VERSION: 2.2.0 is required to allow the use of the new message version 2.2 fields and values.

Apple Pay

Based on the amount specified in the token, the Sandbox environment maps the tokenized data in the transaction to one of our test cards. Any card details can be used in the token — they won't be logged, stored, or used for transaction processing. The table below lists the amount to specify in your Apple Pay token to test Visa and Mastercard (MC) and result scenarios.

Important : Apple requires an Apple sandbox account and the use of the test cards listed there only.

Standard testing

Amount in Token	Card Type	Result Code	Message
10.00	VISA	00	Successful
11.01	VISA	101	Declined
11.02	VISA	102	Referral B
11.03	VISA	103	Referral A
12.05	VISA	200	Comms Error
20.00	MC	00	Successful
21.01	MC	101	Declined
21.02	MC	102	Referral B
21.03	MC	103	Referral A
22.05	MC	200	Comms Error

AVS/CVN-specific testing

Amount in Token	Card Type	Result Code	Message	AVS Postcode Result	AVS Address Result
43.00	VISA	101	Declined	U	U
43.01	VISA	101	Declined	I	I
43.02	VISA	101	Declined	P	P
43.03	VISA	101	Declined	M	M
43.04	VISA	101	Declined	M	N
43.05	VISA	101	Declined	N	M
43.06	VISA	101	Declined	N	N
53.00	MC	00	Successful	U	U
53.01	MC	00	Successful	I	I
53.02	MC	00	Successful	P	P
53.03	MC	00	Successful	M	M
53.04	MC	00	Successful	M	N
53.05	MC	00	Successful	N	M
53.06	MC	00	Successful	N	N

Error

Amount in Token	Card Type	Result Code
Any other amount	108	Using test system. Please use predefined Apple Pay test amounts only. See documentation.

Google Pay

Based on the amount specified in the token, the Sandbox environment maps the tokenized data in the transaction to one of our test cards. Any card details can be used in the token — they won't be logged, stored, or used for transaction processing. The table below lists the amount to specify in the request to test Visa and Mastercard (MC) and result scenarios.

Important - Google requires the use of live cards for sandbox testing - the cards will not be charged ( this is flagged in the google modal)

Standard testing

Amount in Token	Card Type	Result Code	Message
10.00	VISA	00	Successful
11.01	VISA	101	Declined
11.02	VISA	102	Referral B
11.03	VISA	103	Referral A
12.05	VISA	200	Comms Error
20.00	MC	00	Successful
21.01	MC	101	Declined
21.02	MC	102	Referral B
21.03	MC	103	Referral A
22.05	MC	200	Comms Error

AVS/CVN-specific testing

Amount in Token	Card Type	Result Code	Message	AVS Postcode Result	AVS Address Result
43.00	VISA	101	Declined	U	U
43.01	VISA	101	Declined	I	I
43.02	VISA	101	Declined	P	P
43.03	VISA	101	Declined	M	M
43.04	VISA	101	Declined	M	N
43.05	VISA	101	Declined	N	M
43.06	VISA	101	Declined	N	N
53.00	MC	00	Successful	U	U
53.01	MC	00	Successful	I	I
53.02	MC	00	Successful	P	P
53.03	MC	00	Successful	M	M
53.04	MC	00	Successful	M	N
53.05	MC	00	Successful	N	M
53.06	MC	00	Successful	N	N

Error

Amount in Token	Card Type	Result Code
Any other amount	108	Using test system. Please use predefined Google Pay test amounts only. See documentation.

Open Banking

Each test bank provides a different result, as shown in the table below.

Test Bank	Currency	Result	Webhook	Notes
Natwest	£	Pending or Decline	Yes	Declines if the transaction amount is above the balance.
Lloyds	£	Pending Only	No
Ozone Modelo	£	Success and Pending	No	Each “debtor account” provides a different outcome.
Commerzbank	€	Success Only	No	Select “Germany” first to see this bank option.
Deutsche Bank	€	Payment Not Complete	No	Select “Germany” first to see this bank option.

The following table provides the login information for each test bank.

Test Bank	Username	Password	IBAN
Natwest	123456789012	5-7-2-4-3-6	N/A
Lloyds	llr001	Password123	N/A
Ozone Modelo	mits	mits	N/A
Commerzbank	N/A	N/A	FR5191497531710377217771433
	Branch	Account
Deutsche Bank	648	1094846	FR5191497531710377217771433

Card Blocking

Use these test cards for the Enhanced Card ID service.

Card Number	Brand	Type	Response Text	CVV Response	AVS Postcode	AVS Address
4400000000000008	VISA	Standard Debit	Authorized	M	M	M
4095790000000004	VISA	Standard Credit	Authorized	M	M	M
5200000000000007	MC	Standard Debit	Authorized	M	M	M
5275000000000007	MC	Commercial Credit	Authorized	M	M	M
5348500000000009	MC	Commercial Credit	Authorized	M	M	M

Network tokens - CSS

The following cards can be used for testing network tokens as part of our Card Storage Service (CSS).

Card Number	Expiry (mmyy)	Result
4622943123052970	1225	Network token returned in response.
5186151950000055	1225	Network token returned in response.
370295069663597	1225	Network token returned in response.

Click to Pay

VISA:

Flow	PAN	Expiry	CVV	Description
Approved Flow	4395840190010011	12/27	840	Frictionless Flow.
Challenged Approved	4395840118000110	12/27	240	Triggers OTP challenge Flow.
Challenged Failed	4395840118000110	12/25	448	Triggers OTP challenge Flow. After 3 unsuccessful tries returns an N (Authentication Failed)

Mastercard

Flow	PAN	Expiry	CVV	Description
Approved Flow	5120350100064537	Any Future Date	Any 3 digits	Frictionless Flow.
Approved Flow	5120350100064545	Any Future Date	Any 3 digits	Approval

Policies

Connect

Additional Resources

Test Cards

Successful

Declined

DCC

Without 3D Secure authentication

With 3D Secure authentication

3D Secure 2

Visa

Visa Message Version 2.2^††

Mastercard

Mastercard Message Version 2.2^††

Apple Pay

Standard testing

AVS/CVN-specific testing

Error

Google Pay

Standard testing

AVS/CVN-specific testing

Error

Open Banking

Card Blocking

Network tokens - CSS

Click to Pay

VISA:

Mastercard

Test Cards

Successful

Declined

DCC

Without 3D Secure authentication

With 3D Secure authentication

3D Secure 2

Visa

Visa Message Version 2.2††

Mastercard

Mastercard Message Version 2.2††

Apple Pay

Standard testing

AVS/CVN-specific testing

Error

Google Pay

Standard testing

AVS/CVN-specific testing

Error

Open Banking

Card Blocking

Network tokens - CSS

Click to Pay

VISA:

Mastercard

Visa Message Version 2.2^††

Mastercard Message Version 2.2^††