# Test cards

> The 27 cards of the Tilopay testing environment, with the expected result and the 3DS friction of each one.

- kind: guide
- status: stable
- api_version: v1
- last_verified: 2026-10-21
- url: https://tilopay.com/en/developers/tarjetas-de-prueba

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](/en/developers/entornos).

## How to use them [#uso]

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

> **Warning:** 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 [#tarjetas]

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.