Who This Is For / When to Use
Use test cards if you want to:
Test payment flows without charging real cards.
Validate checkout, invoices, POS, or payment links.
Debug payment errors before switching to live mode.
These cards work only in test or sandbox environments.
General Rules for Using Test Cards
These rules apply unless otherwise stated:
Use any future expiration date.
Use any 3-digit CVV for most cards.
Use any 4-digit CVV for American Express.
Test cards will not work in live mode.
Authorize.net Test Card Numbers
These cards work only in the Authorize.net sandbox.
Card Brand | Test Card Number |
American Express | 370000000000002 |
Discover | 6011000000000012 |
JCB | 3088000000000017 |
Diners Club / Carte Blanche | 38000000000006 |
Visa | 4007000000027 |
Visa | 4012888818888 |
Visa | 4111111111111111 |
Mastercard | 5424000000000015 |
Mastercard (2-series) | 2223000010309703 |
Mastercard (2-series) | 2223000010309711 |
CVV: Any valid value (3 digits, Amex 4 digits)
Expiry: Any future date
Stripe Test Card Numbers
These cards work only in Stripe test mode.
Card Brand | Test Card Number | CVV | Expiry |
Visa | 4242424242424242 | Any 3 digits | Any future date |
Visa (Debit) | 4000056655665556 | Any 3 digits | Any future date |
Mastercard | 5555555555554444 | Any 3 digits | Any future date |
Mastercard (2-series) | 2223003122003222 | Any 3 digits | Any future date |
Mastercard (Debit) | 5200828282828210 | Any 3 digits | Any future date |
Mastercard (Prepaid) | 5105105105105100 | Any 3 digits | Any future date |
American Express | 378282246310005 | Any 4 digits | Any future date |
American Express | 371449635398431 | Any 4 digits | Any future date |
Discover | 6011111111111117 | Any 3 digits | Any future date |
Discover | 6011000990139424 | Any 3 digits | Any future date |
Discover (Debit) | 6011981111111113 | Any 3 digits | Any future date |
Diners Club | 3056930009020004 | Any 3 digits | Any future date |
Diners Club (14-digit) | 36227206271667 | Any 3 digits | Any future date |
JCB | 3566002020360505 | Any 3 digits | Any future date |
UnionPay | 6200000000000005 | Any 3 digits | Any future date |
UnionPay (Debit) | 6200000000000047 | Any 3 digits | Any future date |
NMI (Network Merchants Inc.) Test Card Numbers
The NMI test platform accepts any valid PAN, but the following can be used if needed.
Card Brand | Test Card Number (PAN) |
American Express | 371111111111114 |
Diners Club | 3001111111111116 |
Discover | 6011111111111117 |
JCB | 35281111111111119 |
Maestro | 56410411111111113 |
Mastercard (Credit) | 5411111111111115 |
Mastercard (Debit) | 5511111111111114 |
Visa (Credit) | 4532111111111112 |
Visa (Debit) | 4751271111111118 |
Expiry: Any future date
CVV: First 3 digits of the card number
Common Issues and Fixes
Test Card Is Declined
Confirm the integration is in test mode.
Verify the card number matches the payment provider.
Check expiry date is in the future.
Card Works in Test but Fails in Live
Test cards do not work in live mode.
Use a real card only after switching to live.
FAQ
What are test card numbers?
Test card numbers are dummy payment details used to simulate transactions in sandbox or test environments.
Can I use test cards in live mode?
No. Test cards only work in sandbox or test mode and will always fail in live mode.
What expiration date should I use?
Any date in the future.
What CVV should I use?
Use any 3-digit CVV for most cards and any 4-digit CVV for American Express, unless otherwise specified.
Are test cards specific to each payment provider?
Yes. Each provider requires its own test card numbers and rules.
What is a sandbox environment?
A sandbox is a testing environment that simulates real transactions without using real money or customer data.
What should I do if a test transaction fails?
Confirm the correct card number, CVV, expiry date, and that the integration is in test mode.
How do I switch from test mode to live mode?
Go to Payment Settings, turn off test or sandbox mode, save your changes, and begin using real cards.