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
ormm/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 |
|
20012 | Invalid transaction |
|
20051 | Insufficient funds |
|
20054 | Expired card |
|
20059 | Suspected fraud |
|
20061 | Activity amount limit exceeded |
|
20062 | Restricted card |
|
20063 | Security violation |
|
20068 | One of:
|
|
20154 | 3DS authentication required |
|
30041 | Lost card – pick up |
|
1{2"source": {3"type": "card",4"number": "4544249167673670",5"cvv": "100",6"expiry_month": 12,7"expiry_year": 20308},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 |
| 10000 |
Credit |
Card Verification (amount: 0), Capture, and Void actions are declined for this card. | 10000 |
Credit |
| 20005 |
Credit |
| 20005 |
Credit |
| 20020 |
Credit |
| 200R1 |
Debit |
| 10000 |
Debit |
| 20068 |
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 |
---|---|---|
| 20012 | Invalid transaction |
| ||
| 20051 | Insufficient funds |
| ||
| 20061 | Activity amount limit |
| ||
| 20062 | Restricted card |
| ||
| 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 |
---|---|---|
| N/A |
|
| N/A |
|
| 20005 | N/A |
| 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 format
mm/yy
ormm/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 |
| Authentication successful |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Credit |
| |
Visa | Credit |
| |
American Express | Credit |
| Not authenticated |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Credit |
| |
Visa | Debit |
| |
American Express | Credit |
| Authentication could not be performed |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Credit |
| |
Visa | Credit |
| |
Cartes Bancaires or Mastercard | Credit |
| Attempted authentication |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Debit |
| |
Visa | Credit |
| |
American Express | Credit |
| Authentication rejected |
Mastercard | Debit |
| |
Visa | Credit |
| |
American Express | Credit |
| Card not enrolled |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Debit |
| |
Visa | Credit |
| |
American Express | Credit |
| Error message during scheme communication |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Credit |
| |
Visa | Credit |
| |
American Express | Credit |
| No associated 3DS method URL |
DCI | Credit |
| |
JCB | Credit |
| |
Mastercard | Credit |
| |
Visa | Credit |
|
Scheme | Card type | Card number | Result |
---|---|---|---|
American Express | Credit |
| Authentication successful |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Debit |
| |
Mastercard | Credit |
| |
Visa | Credit |
| |
American Express | Credit |
| Authentication attempted |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Debit |
| |
Visa | Credit |
| |
American Express | Credit |
| Authentication rejected |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Debit |
| |
Visa | Prepaid |
| |
American Express | Credit |
| Not authenticated |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Credit |
| |
Visa | Credit |
| |
American Express | Credit |
| Authentication could not be performed |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Credit |
| |
Visa | Debit |
| |
Cartes Bancaires or Mastercard | Credit |
| Error message during scheme communication |
Cartes Bancaires or Visa | Credit |
| |
Mastercard | Prepaid |
| |
Visa | Credit |
| |
American Express | Credit |
| No associated 3DS method URL |
Cartes Bancaires or Mastercard | Credit |
| |
Cartes Bancaires or Visa | Credit |
| |
DCI | Credit |
| |
JCB | Credit |
| |
Mastercard | Credit |
| |
Visa | Credit |
|
Scheme | Card type | Card number | Result |
---|---|---|---|
Mastercard | Credit |
| Authentication successful |
Visa | Credit |
| |
Mastercard | Debit |
| Not authenticated |
Visa | Credit |
| |
Mastercard | N/A |
| Authentication unavailable |
Visa | Debit |
| |
Mastercard | Credit |
| Card not eligible |
Visa | Debit |
|
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 |
| Not authenticated |
Visa | Credit |
| |
Mastercard | Credit |
| Authentication attempted |
Visa | Credit |
| |
Mastercard | N/A |
| Authentication unavailable |
Visa | Debit |
| |
Mastercard | Credit |
| Card not eligible |
Visa | Debit |
|
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 |
|
|
Mastercard | Debit |
|
|
Visa | Credit |
|
|
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 |
| Card not eligible |
Visa | Debit |
|