Test cards

API v1

These cards only work when the account is in testing mode. The mode is switched from the account and verified with the environment field returned by Init() ("TEST" in testing): see environments and testing.

How to use them#

Field	What to enter
Expiry date	Any date in the future
CVV	Any value
Code on the 3DS challenge screen	`3ds2`

On the 3DS challenge screen the code to enter is 3ds2. There is no other code and nothing is sent over SMS in testing.

Cards#

The brand comes from the prefix: 4 Visa, 51–55 Mastercard, 34 American Express.

Number	Brand	Expected result	Friction
`4111111111111111`	Visa	Approved	No friction
`4012000000020089`	Visa	Approved	No friction
`4012000000020006`	Visa	Approved	No friction
`4012010000020088`	Visa	Approved	No friction
`5100270000000072`	Mastercard	Approved	No friction
`5100270000000031`	Mastercard	Approved	No friction
`341111000000009`	American Express	Approved	No friction
`341111000000011`	American Express	Approved	No friction
`341112000000001`	American Express	Approved	No friction
`341111000000037`	American Express	Approved	No friction
`341112000008012`	American Express	Approved	No friction
`4012000000020071`	Visa	Approved	3DS challenge
`4012010000020070`	Visa	Approved	3DS challenge
`4012010000020005`	Visa	Approved	3DS challenge
`5100270000000023`	Mastercard	Approved	3DS challenge
`5100271000000120`	Mastercard	Approved	3DS challenge
`4112613451591116`	Visa	Insufficient funds	3DS challenge
`4523080346468525`	Visa	Incorrect CVV	No friction
`4549179990476733`	Visa	Restricted card	No friction
`4012000000020121`	Visa	Declined	No friction
`4111111111119999`	Visa	Declined	No friction
`4111111111110000`	Visa	Declined	No friction
`5100270000000056`	Mastercard	Declined	No friction
`5111111111113333`	Mastercard	Declined	No friction
`4666666666662222`	Visa	Declined	No friction
`5555666666662222`	Mastercard	Declined	No friction
`5100270000000098`	Mastercard	Declined	3DS challenge

Cards with 3DS challenge friction open the authentication screen; No friction cards resolve without it. The expected result is always the same: the card determines the response, not the amount.

Last verified: 2026-10-21

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