Who This Is For / When to Use
Use this article if you are:
Testing payment flows before going live
Verifying payment processor integrations
Debugging failed test transactions
Running sandbox transactions in Kyrios
This applies only to test or sandbox modes, not live payments.
General Rules for Using Test Cards
Test cards only work in sandbox or test mode
Use any expiration date in the future
CVV / card code rules:
3 digits for most cards
4 digits 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.
Supported Test Cards
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 | 2223000010309703 |
Mastercard | 2223000010309711 |
CVV and Expiry Rules
CVV: Any valid number (3 digits, or 4 for AmEx)
Expiration: Any future date
Stripe Test Card Numbers
These cards work only in Stripe test mode.
Supported Test Cards
Card Type | 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 are provided if you need sample numbers.
Supported Test Cards
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 |
CVV and Expiry Rules
Expiration date: Any future date
CVV: Use the first 3 digits of the card number
Common Issues and Fixes
Test card fails unexpectedly
Confirm the payment processor is in test or sandbox mode
Verify the card number matches the correct processor
Use a future expiration date
Ensure CVV format matches card type
Card works in test but fails in live mode
Test cards do not work in live mode
Switch to real card details only after enabling live payments
FAQ
What are test card numbers?
Test card numbers are dummy credit card numbers used to simulate transactions in non-production environments.
Can I use test cards in live mode?
No. Test cards only work in sandbox or test environments and will always fail in live mode.
What expiration date should I use?
Any date in the future is valid.
What CVV should I use?
3 digits for Visa, Mastercard, Discover, Diners Club, JCB, UnionPay
4 digits for American Express
Are test cards processor-specific?
Yes. Each payment processor (Authorize.net, Stripe, NMI) requires its own test cards.
What is a sandbox environment?
A sandbox is a safe testing environment used to simulate real transactions without processing real money.
What should I do if a test transaction fails?
Confirm:
Correct processor
Correct test card
Test mode enabled
Valid expiration date and CVV
How do I switch my Kyrios account from test mode to live mode?
Go to Payment Settings, disable Test Mode, save your changes, and your account will begin accepting real credit cards.