Test cards

Last updated: October 15, 2025

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

Never test using real card numbers or card details in your sandbox environment.

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

The card number listed in the table and the response code you want to test
Any valid three-digit card verification value (CVV) for Visa and Mastercard cards, or four-digit CVV for American Express cards
Any future card expiry date, in the format MM/YY or MM/YYYY

Information

The sandbox environment stores payments for 30 days. You must complete a test payment flow within 30 days of creating it.

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

Response code	Description	Card number	Country code
`2005C`	Transaction not supported / blocked by issuer	`4276038578596818`	`US`
`2009G`	Blocked by cardholder / Contact cardholder	`4152812521833588`	`US`
`200N7`	Decline for CVV2 failure	`4734868958733862`	`US`
`200R3`	Issuer initiated a stop payment (revocation order) for all authorizations	`4567361325981788`	`GB`
`20001`	Refer to card issuer	`4111111111111129`	`US`
`20012`	Invalid transaction	`4024007103573027`	`US`
`20014`	Invalid card number	`4485381577182090`	`US`
`20051`	Insufficient funds	`4544249167673670`	`GB`
`20057`	Transaction not permitted to cardholder	`4659465888705671` For Account Funding Transactions (AFTs)	`GB`
`20057`	Transaction not permitted to cardholder	`4151512736305999` For non-AFTs	`GB`
`20059`	Suspected fraud	`4897453568485113`	`US`
`20059`	Suspected fraud	`4000144348235050` Prepaid card	–
`20061`	Activity amount limit exceeded	`4556294593757189`	`UY`
`20062`	Restricted card	`4818924250131070`	`GB`
`20063`	Security violation	`4556253752712245`	`US`
`20068`	One of: Response received too late, or there was a timeout Transaction rejected Internal error	`4095254802642505`	`US`
`20078`	Blocked, first use – transaction from new cardholder, card not properly unblocked	`4532819413487978`	`US`
`20082`	No security model	`4732789363145785`	`PR`
`20082`	No security model	`4000140542610783` Prepaid card	–
`20154`	3DS authentication required	`4500622868341387`	`CA`
`30015`	No such issuer	`4024007162185267`	`US`
`30041`	Lost card – pick up	`4941202060999329`	`GB`
`30043`	Stolen card – pick up	`4539253655711767`	`IE`
`20109`	One of: The authorization was previously reversed or voided. The capture amount is larger than the initial authorization amount.	`4000140543766022`	–

Response code	Description	Card number	Country code
`20003`	Invalid merchant	`5510696303117979`	–
`20012`	Invalid transaction	`5148447461737269`	`US`
`20030`	Format error	`5510696303117987`	–
`20051`	Insufficient funds	`5437821135399682`	`TW`
`20057`	Transaction not permitted to cardholder	`5355224542121849` For AFTs	`GB`
`20057`	Transaction not permitted to cardholder	`5355222710253469` For non-AFTs	`GB`
`20061`	Activity amount limit exceeded	`5420951756276171`	`TN`
`20062`	Restricted card	`5279988405398834`	`JP`
`20068`	One of: Response received too late, or there was a timeout Transaction rejected Internal error	`5265162270587964`	`US`
`20072`	Account not yet activated	`5525192142230028`	–
`20182`	Policy	`5347965091482021`	`BR`
`20183`	Security	`5357219827207436`	`BG`
`30041`	Lost card – pick up	`5363450180402239`	`PH`
`30046`	Closed account	`5525192142230002`	–


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	Country code
Credit	`4000020000000000`	`10000`	`US`
Credit	`4242424242424242`	`10000`	`GB`
Credit	`4242424242424242` Set payment `amount` to `101`.	`20051`	`GB`
Credit	`4273149019799094` For card verifications only. Capture and Void actions are declined for this card.	`10000`	`TR`
Credit	`4539467987109256`	`20005`	`ES`
Credit	`4024007181869214`	`20005`	`US`
Credit	`4916301720257093`	`20020`	`US`
Credit	`4485899805156040`	`200R1`	`US`
Debit	`4659105569051157`	`10000`	`GB`
Debit	`4095254802642505`	`20068`	`US`
Prepaid	`4000148147058142`	`20020`	–

Card type	Card number	Response code	Country code
Credit	`5436031030606378`	`10000`	`MU`
Credit	`5585076576791786`	`20005`	`HU`
Debit	`5305484748800098`	`10000`	`DE`

Card type	Card number	Response code	Country code
Credit	`345678901234564`	`10000`	`ES`
Credit	`341829238058580`	`20005`	`US`

Card type	Card number	Response code	Country code
Debit	`4010061700000021`	`10000`	`FR`

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

Card type	Card number	Response code	Country code
Credit	`36160940933914`	`10000`	`KR`
Credit	`36160912071610`	`20005`	`KR`

Card type	Card number	Response code	Country code
Credit	`3530111333300000`	`10000`	`JP`
Credit	`3566027046765007`	`10000`	`US`
Credit	`3582069482684995`	`10000`	`JP`
Credit	`3528257085901927`	`20005`	`JP`

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

You can use:

Any valid three-digit CVV for Visa and Mastercard, or four-digit CVV for American Express
Any future expiry date, in the format MM/YY or MM/YYYY

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

You can also use all cards on this page as valid network tokens.

Card scheme	Card type	Card number	Country code	Result
American Express	Credit	`345678901234564`	`ES`	Authentication successful
Cartes Bancaires or Mastercard	Credit	`5137210000000018`	`FR`
Cartes Bancaires or Visa	Credit	`4010056200000018`	`FR`
Mastercard	Credit	`5588686116426417`	`CN`
UnionPay International	Debit	`6224120000000094`	CN
Visa	Credit	`4485040371536584`	`US`
American Express	Credit	`371064645462927`	`US`	Not authenticated
Cartes Bancaires or Mastercard	Credit	`5132562600000029`	`FR`
Cartes Bancaires or Visa	Credit	`4022050100000000`	`FR`
Mastercard	Credit	`5309961755464047`	`BR`
UnionPay International	Debit	`6224120000000086`	CN
Visa	Debit	`4539628347117863`	`AD`
American Express	Credit	`344282679519362`	`US`	Authentication could not be performed
Cartes Bancaires or Mastercard	Credit	`5132562600000011`	`FR`
Cartes Bancaires or Visa	Credit	`4022050100000018`	`FR`
Mastercard	Credit	`5234106378657904`	`KR`
UnionPay International	Debit	`6224120000000078`	CN
Visa	Credit	`4024007186645015`	`US`
Cartes Bancaires or Mastercard	Credit	`5132562600000029`	`FR`	Attempted authentication
Cartes Bancaires or Visa	Credit	`4022050100000026`	`FR`
Mastercard	Debit	`5558468902774508`	`KE`
UnionPay International	Debit	`6224120000000029`	CN
Visa	Credit	`4556574722325580`	`PT`
American Express	Credit	`343397288296672`	`US`	Authentication rejected
Mastercard	Debit	`5596061690670931`	`IN`
UnionPay International	Debit	`6224120000000011`	CN
Visa	Credit	`4275765574319271`	`JP`
American Express	Credit	`378282246310005`	`US`	Card not enrolled
Cartes Bancaires or Mastercard	Credit	`5132562600000045`	`FR`
Cartes Bancaires or Visa	Credit	`4022050100000182`	`FR`
Mastercard	Debit	`5352151570003404`	`FR`
Visa	Credit	`4484070000035519`	`GB`
American Express	Credit	`378702153281139`	`US`	Error message during scheme communication
Cartes Bancaires or Mastercard	Credit	`5132562600000060`	`FR`
Cartes Bancaires or Visa	Credit	`4022050100000133`	`FR`
Mastercard	Credit	`5291144083573579`	`US`
Visa	Credit	`4452927588210665`	`US`
American Express	Credit	`340282533032846`	`US`	No associated 3DS method URL
Diners Club International (DCI)	Credit	`36747880216043`	`US`
JCB	Credit	`3528982710432481`	`JP`
Mastercard	Credit	`5121073611487018`	`US`
UnionPay International	Debit	`6224120000000110`	CN
Visa	Credit	`4556085951507152`	`ES`

Card scheme	Card type	Card number	Country code	Result
American Express	Credit	`372688581899681`	`US`	Authentication successful
Cartes Bancaires or Mastercard	Credit	`5137210000000158`	`FR`
Cartes Bancaires or Visa	Debit	`4010061700000021`	`FR`
Mastercard	Credit	`5385308360135181`	`US`
UnionPay International	Debit	`6224120000000003`	CN
Visa	Credit	`4242424242424242`	`GB`
American Express	Credit	`346126139326850`	`US`	Authentication attempted
Cartes Bancaires or Mastercard	Credit	`5341034800000008`	`FR`
Cartes Bancaires or Visa	Credit	`4150561000000001`	`FR`
Mastercard	Debit	`5518832400606463`	`US`
UnionPay International	Debit	`6224120000000060`	CN
Visa	Credit	`4152868552773614`	`BH`
American Express	Credit	`375982239796002`	`US`	Authentication rejected
Cartes Bancaires or Mastercard	Credit	`5341034800000016`	`FR`
UnionPay International	Debit	`6224120000000052`	CN
Cartes Bancaires or Visa	Credit	`4150561000000019`	`FR`
American Express	Credit	`347411540178242`	`US`	Not authenticated
Cartes Bancaires or Mastercard	Credit	`5341034800000024`	`FR`
Cartes Bancaires or Visa	Credit	`4150561000000027`	`FR`
Mastercard	Credit	`5258901507741160`	`CA`
UnionPay International	Debit	`6224120000000045`	CN
Visa	Credit	`4243754271700719`	`US`
American Express	Credit	`377990956548835`	`US`	Authentication could not be performed
Cartes Bancaires or Mastercard	Credit	`5341034800000032`	`FR`
Cartes Bancaires or Visa	Credit	`4150561000000035`	`FR`
Mastercard	Credit	`5569757734785691`	`US`
UnionPay International	Debit	`6224120000000037`	CN
Visa	Debit	`4447336775378848`	`US`
Cartes Bancaires or Mastercard	Credit	`5341034800000040`	`FR`	Error message during scheme communication
Cartes Bancaires or Visa	Credit	`4150561000000043`	`FR`
Mastercard	Prepaid	`5572408422189334`	`IE`
Visa	Credit	`4539929207120660`	`IN`
American Express	Credit	`372310461284948`	`US`	No associated 3DS method URL
Cartes Bancaires or Mastercard	Credit	`5341034800000057`	`FR`
Cartes Bancaires or Visa	Credit	`4150561000000183`	`FR`
Diners Club International (DCI)	Credit	`36138956596288`	`AT`
JCB	Credit	`3528682570029332`	`JP`
Mastercard	Credit	`5259410220714099`	`US`
UnionPay International	Debit	`6224120000000128`	CN
Visa	Credit	`4485597929486000`	`US`

The following cards are not enabled for 3D Secure. If you request a payment with 3ds.enabled: true:

The response_code field returns the code 20150.
The response_summary field returns the value Card not 3D-Secure enabled.

For more information, see Response code testing.

Card scheme	Card type	Card number	CVV	Country code
JCB (UK only)	Credit	`3530111333300000`	`100`	`JP`
Mastercard	Debit	`5352151570003404`	`100`	`FR`
Visa	Credit	`4532432452900131`	`257`	`DE`

To simulate a card verification, use the following cards. If you set:

amount to 0 – The card verification is successful.
amount to a value greater than 0 – The authorization request is declined with the corresponding response code.

For more information, see Card verification.

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

For Visa credit cards only, use any of the following cards to simulate declined incremental authorizations.

For more information, see Request an incremental authorization.

Card number	Response code	Error code	Country code
`4659959652550685`	N/A	`incremental_authorization_unsupported`	`NO`
`4446900535698356`	N/A	`incremental_authorization_restricted_for_mcc`	`US`
`4140253846048187`	`20005`	N/A	`KR`
`4556447238607884`	`20068`	N/A	`GR`

You can simulate request a payment with an expired payment instrument, by updating the instrument details and then reattempting the payment.

Create a payment instrument using one of the following test card numbers and set the expiry date to any date in the past, in the format MM/YY or MM/YYYY:

Card scheme	Card type	Card number	CVV
Visa	Debit	`4532446037926437`	Any three-digit number
	Debit	`4724117215951699`
	Prepaid card	`4000141680788456`
Mastercard	Debit	`5287286878576972`	Any four-digit number

Request a payment using the payment instrument.
The payment fails and returns the response code 20054 because the card is expired.
Update the payment instrument and set the new expiry date to any date in the future, in the format MM/YY or MM/YYYY.
In your production environment, you would contact your customer and ask them to provide updated payment details.
Request a new payment using the updated payment instrument.
The payment succeeds and returns the response code 10000.

Use the following consumer debit test cards to simulate different response code outcomes for a payout:

Response code	Card number	Country code
`10000`	`4921817844445119`	`UK`
	`4978313915783283`	`FR`
	`4076613139850359`	`SG`
	`4024764449971519`	`US`
`20005`	`4818192525595285`	`UK`
	`4558473893020179`	`FR`
	`4811553373235190`	`SG`
	`4610179846730147`	`US`
`20057`	`4818192160565981`	`UK`
	`4975992266555193`	`FR`
	`4815649658513826`	`SG`
	`4610174464118832`	`US`

Response code	Card number	Country code
`10000`	`5355224968521878`	`UK`
	`5132728491870081`	`FR`
	`5526303170157160`	`SG`
	`5318773012490080`	`US`
`20005`	`5574357535453624`	`UK`
	`5132724072801678`	`FR`
	`5274926611111018`	`SG`
	`5109110000000030`	`US`
`20057`	`5355224739676852`	`UK`
	`5136406072992030`	`FR`
	`5274926611111026`	`SG`
	`5109119931560251`	`US`

Test cards

Note

Information

Response code tests

Request example

Response example

Default cards and responses

3D Secure test cards

3DS2 frictionless flow

3DS2 challenge flow

Non-3D Secure enabled cards

Approved card verification with declined authorization

Incremental authorization

Declined authorization with expired payment instrument

Card payout test cards