Test cards

Last updated: July 17, 2023

Use the test cards provided to test response code outcomes and simulate different payment flows. We provide test card numbers for:

credit cards
debit cards
prepaid cards

Note

Do not perform tests using real card numbers or card details in your sandbox environment.

To use the test cards, set up a card payment request with:

the card value listed in the table alongside the response code you want to test
any valid three-digit CVV for Visa and Mastercard cards, or a four-digit CVV for American Express cards
any future date as the card expiry date, in the format mm/yy or mm/yyyy

Information

The sandbox environment stores payments for 30 days. You’ll need to complete any test payment flows within 30 days of the payment creation date.

Use the following test cards to simulate a subset of our API response codes.

Response code	Description	Card number
200R3	Issuer initiated a stop payment (revocation order) for all authorizations	`4567361325981788`
20012	Invalid transaction	`4024007103573027`
20051	Insufficient funds	`4544249167673670`
20054	Expired card	`4724117215951699`
20059	Suspected fraud	`4897453568485113`
20061	Activity amount limit exceeded	`4556294593757189`
20062	Restricted card	`4818924250131070`
20063	Security violation	`4556253752712245`
20068	One of: response received too late, or there was a timeout transaction rejected internal error	`4095254802642505`
20154	3DS authentication required	`4500622868341387`
30041	Lost card – pick up	`4941202060999329`

Response code	Description	Card number
20012	Invalid transaction	`5148447461737269`
20051	Insufficient funds	`5437821135399682`
20061	Activity amount limit exceeded	`5420951756276171`
20062	Restricted card	`5279988405398834`
20063	Security violation	`5328090869100177`
20068	One of: response received too late, or there was a timeout transaction rejected internal error	`5265162270587964`
20179	Lifecycle	`5577483213391204`
20182	Policy	`5347965091482021`
20183	Security	`5357219827207436`
30041	Lost card – pick up	`5363450180402239`


1{
2  "source": {
3    "type": "card",
4    "number": "4544249167673670",
5    "cvv": "100",
6    "expiry_month": 12,
7    "expiry_year": 2030
8  },
9  "currency": "USD",
10  "amount": 100,
11  "processing_channel_id": "pc_dkgoofpvuwuerekvd4ssr6jwom"
12}


1{
2  "id": "pay_aqwuar5sjb5upkupgywyzapfii",
3  "action_id": "act_aqwuar5sjb5upkupgywyzapfii",
4  "currency": "USD",
5  "amount": 100,
6  "approved": false,
7  "status": "Declined",
8  "response_code": "20051",
9  "source": {
10    "type": "card",
11    "expiry_month": 12,
12    "expiry_year": 2030,
13    "last4": "3670",
14    "fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",
15    "bin": "424242"
16  },
17  "processed_on": "2023-01-17T17:41:52Z",
18  "_links": {
19    "self": {
20      "href": "https://api.sandbox.checkout.com/payments/pay_aqwuar5sjb5upkupgywyzapfii"
21    },
22    "actions": {
23      "href": "https://api.sandbox.checkout.com/payments/pay_aqwuar5sjb5upkupgywyzapfii/actions"
24    }
25  }
26}

To simulate a payment, use one of the following test cards:

Card type	Card number	Response code
Credit	`4242424242424242`	10000
Credit	`4273149019799094` Card Verification (amount: 0), Capture, and Void actions are declined for this card.	10000
Credit	`4539467987109256`	20005
Credit	`4024007181869214`	20005
Credit	`4916301720257093`	20020
Credit	`4485899805156040`	200R1
Debit	`4659105569051157`	10000
Debit	`4095254802642505`	20068

Card type	Card number	Response code
Credit	`5436031030606378`	10000
Credit	`5585076576791786`	20005
Debit	`5305484748800098`	10000

Card type	Card number	Response code
Credit	`345678901234564`	10000
Credit	`341829238058580`	20005

Card type	Card number	Response code
Debit	`4010061700000021`	10000

Card type	Card number	Response code
Credit	`6011111111111117`	10000
N/A	`6011111111111118`	20005
Credit	`6011201559638046790`	20005
Credit	`6445979375892355607`	10000

Card type	Card number	Response code
Credit	`36160940933914`	10000

Card type	Card number	Response code
Credit	`3530111333300000`	10000
Credit	`3582069482684995`	10000
Credit	`3528257085901927`	20005

To simulate card verification, use the following cards. If you set amount to 0, the card verification will be successful. If amount is greater than 0, the authorization request will be declined with the corresponding response code. Learn more about card verification.

Card number	Response code	Description
`4644968546281686`	20012	Invalid transaction
`5355228287185489`	20012	Invalid transaction
`4546381219393284`	20051	Insufficient funds
`5355229757805879`	20051	Insufficient funds
`4543611423334994`	20061	Activity amount limit
`5355222589678168`	20061	Activity amount limit
`4857662623668665`	20062	Restricted card
`5355225201525238`	20062	Restricted card
`4407108123937239`	20063	Security violation
`5355226042898974`	20063	Security violation

To simulate declined incremental authorizations, use any of the following cards. Learn more about incremental authorization.

Card number	Response code	Error code
`4659959652550685`	N/A	`incremental_authorization_unsupported`
`4446900535698356`	N/A	`incremental_authorization_restricted_for_mcc`
`4140253846048187`	20005	N/A
`4556447238607884`	20068	N/A

Use these test cards to simulate different 3D Secure (3DS) authentication flows and results.

You can use:

any valid CVV (for example, a three-digit number for Visa and Mastercard, a four-digit number for American Express)
any future expiry date, in the formatmm/yy or mm/yyyy

If your 3DS authentication test is challenged, and you're redirected to the 3DS simulator page, you will need to input the password Checkout1!.

All cards listed on this page can also be used as valid network tokens.

Scheme	Card type	Card number	Result
American Express	Credit	`345678901234564`	Authentication successful
Cartes Bancaires or Mastercard	Credit	`5137210000000018`
Cartes Bancaires or Visa	Credit	`4010056200000018`
Mastercard	Credit	`5588686116426417`
Visa	Credit	`4485040371536584`
American Express	Credit	`371064645462927`	Not authenticated
Cartes Bancaires or Mastercard	Credit	`5132562600000029`
Cartes Bancaires or Visa	Credit	`4022050100000000`
Mastercard	Credit	`5309961755464047`
Visa	Debit	`4539628347117863`
American Express	Credit	`344282679519362`	Authentication could not be performed
Cartes Bancaires or Mastercard	Credit	`5132562600000011`
Cartes Bancaires or Visa	Credit	`4022050100000018`
Mastercard	Credit	`5234106378657904`
Visa	Credit	`4024007186645015`
Cartes Bancaires or Mastercard	Credit	`5132562600000029`	Attempted authentication
Cartes Bancaires or Visa	Credit	`4022050100000026`
Mastercard	Debit	`5558468902774508`
Visa	Credit	`4556574722325580`
American Express	Credit	`343397288296672`	Authentication rejected
Mastercard	Debit	`5596061690670931`
Visa	Credit	`4275765574319271`
American Express	Credit	`378282246310005`	Card not enrolled
Cartes Bancaires or Mastercard	Credit	`5132562600000045`
Cartes Bancaires or Visa	Credit	`4022050100000182`
Mastercard	Debit	`5352151570003404`
Visa	Credit	`4484070000035519`
American Express	Credit	`378702153281139`	Error message during scheme communication
Cartes Bancaires or Mastercard	Credit	`5132562600000060`
Cartes Bancaires or Visa	Credit	`4022050100000133`
Mastercard	Credit	`5291144083573579`
Visa	Credit	`4452927588210665`
American Express	Credit	`340282533032846`	No associated 3DS method URL
DCI	Credit	`36747880216043`
JCB	Credit	`3528982710432481`
Mastercard	Credit	`5121073611487018`
Visa	Credit	`4556085951507152`

Scheme	Card type	Card number	Result
American Express	Credit	`372688581899681`	Authentication successful
Cartes Bancaires or Mastercard	Credit	`5137210000000158`
Cartes Bancaires or Visa	Debit	`4010061700000021`
Mastercard	Credit	`5385308360135181`
Visa	Credit	`4242424242424242`
American Express	Credit	`346126139326850`	Authentication attempted
Cartes Bancaires or Mastercard	Credit	`5341034800000008`
Cartes Bancaires or Visa	Credit	`4150561000000001`
Mastercard	Debit	`5518832400606463`
Visa	Credit	`4152868552773614`
American Express	Credit	`375982239796002`	Authentication rejected
Cartes Bancaires or Mastercard	Credit	`5341034800000016`
Cartes Bancaires or Visa	Credit	`4150561000000019`
Mastercard	Debit	`5484482393204262`
Visa	Prepaid	`4870527017700692`
American Express	Credit	`347411540178242`	Not authenticated
Cartes Bancaires or Mastercard	Credit	`5341034800000024`
Cartes Bancaires or Visa	Credit	`4150561000000027`
Mastercard	Credit	`5258901507741160`
Visa	Credit	`4243754271700719`
American Express	Credit	`377990956548835`	Authentication could not be performed
Cartes Bancaires or Mastercard	Credit	`5341034800000032`
Cartes Bancaires or Visa	Credit	`4150561000000035`
Mastercard	Credit	`5569757734785691`
Visa	Debit	`4447336775378848`
Cartes Bancaires or Mastercard	Credit	`5341034800000040`	Error message during scheme communication
Cartes Bancaires or Visa	Credit	`4150561000000043`
Mastercard	Prepaid	`5572408422189334`
Visa	Credit	`4539929207120660`
American Express	Credit	`372310461284948`	No associated 3DS method URL
Cartes Bancaires or Mastercard	Credit	`5341034800000057`
Cartes Bancaires or Visa	Credit	`4150561000000183`
DCI	Credit	`36138956596288`
JCB	Credit	`3528682570029332`
Mastercard	Credit	`5259410220714099`
Visa	Credit	`4485597929486000`

Scheme	Card type	Card number	Result
Mastercard	Credit	`5407929162375891`	Authentication successful
Visa	Credit	`4024007177756441`	Authentication successful
Mastercard	Debit	`5507979147594255`	Not authenticated
Visa	Credit	`4929640381570541`	Not authenticated
Mastercard	N/A	`5227027824683493`	Authentication unavailable
Visa	Debit	`4916734820332269`	Authentication unavailable
Mastercard	Credit	`5324440216201760`	Card not eligible
Visa	Debit	`4539628347117863`	Card not eligible

A fallback to 3DS1 will be triggered after the merchant initiates a 3DS2 that failed during the first authentication call. For example, because of a technical issue or a timeout on the Access Control Server (ACS) side.

You can use the following cards to trigger a fallback to 3DS1. A fallback occurs when the cardholder or issuer is not using 3DS2.

When you use our Standalone (Sessions) API standalone solution for 3DS authentication, you can simulate a fallback from 3DS2 to 3DS1. To do this, set the amount to 123321 on the session creation request.

Scheme	Card type	Card number	Result
Mastercard	Debit	`5507979147594255`	Not authenticated
Visa	Credit	`4929640381570541`	Not authenticated
Mastercard	Credit	`5407929162375891`	Authentication attempted
Visa	Credit	`4024007177756441`	Authentication attempted
Mastercard	N/A	`5227027824683493`	Authentication unavailable
Visa	Debit	`4916734820332269`	Authentication unavailable
Mastercard	Credit	`5324440216201760`	Card not eligible
Visa	Debit	`4539628347117863`	Card not eligible

The following cards are not enabled for 3D Secure. This means if you send a payment with 3ds.enabled: true, you should expect the response code 20150 and the response summary Card not 3D-Secure enabled. Learn more about response code testing.

Scheme	Card type	Card number	CVV
JCB (UK only)	Credit	`3530111333300000`	`100`
Mastercard	Debit	`5352151570003404`	`100`
Visa	Credit	`4532432452900131`	`257`

If your account is enabled only for 3DS1, then use the following cards to simulate the 20150 response code:

Scheme	Card type	Card number	Result
Mastercard	Credit	`5324440216201760`	Card not eligible
Visa	Debit	`4539628347117863`	Card not eligible

We've made some changes to our API

Test cards

Note

Information

Response code tests

Request example

Response example

Default cards and responses

Approved card verification with declined authorization

Incremental authorization (Visa credit cards only)

3D Secure test cards

3DS2 frictionless flow

3DS2 challenge flow

3DS1 flow

3DS2 to 3DS1 fallback

Non-3D Secure enabled cards