Test Cards
This guide will provide you with all you need to know about testing with credit cards. We'll cover the different types of credit cards, how to use them, and what their respective responses mean.
What Are Test Cards?
Test cards are special credit card numbers used to simulate transactions in a testing environment. They help you see how a payment gateway (the system handling online payments) responds to various conditions without using real money.
How Do I Use Them?
Standard Test Cards (Card Network)
Here’s a list of test card numbers for different types of cards like Mastercard, Visa, American Express, etc. Use these cards to test if your payment system is working correctly.
Ways To Generate Different Responses
- Card Number: This is the number you use to simulate different transactions.
- Expiry Date: Change this to see how your system handles expired cards.
- CSC/CVV: This is the security code. Different values simulate different scenarios like a match or no match.
- Billing Address: Use different addresses to test how your system handles address verification.
Transaction Response Explanations
The following terms correspond to the Transaction Response tables you'll see below, here is what these response values are trying to communicate:
| Term | Definition |
|---|---|
| APPROVED | The transaction went through. |
| DECLINED | The transaction was rejected. |
| EXPIRED_CARD | The card has expired. |
| TIMED_OUT | The transaction took too long. |
| ACQUIRER_SYSTEM_ERROR | There was an error with the payment system. |
| Test Cards | Card Number |
|---|---|
| Mastercard | 5123450000000008 |
| Visa | 4508750015741019 |
| American Express | 345678901234564 |
| Discover | 6011003179988686 |
| Transaction Response Gateway Code | Expiry Date |
|---|---|
| APPROVED | 01/39 |
| DECLINED | 05/39 |
| EXPIRED_CARD | 04/27 |
| TIMED_OUT | 08/28 |
| ACQUIRER_SYSTEM_ERROR | 01/37 |
| UNSPECIFIED_FAILURE | 02/37 |
| UNKNOWN | 05/37 |
| CSC/CVV Response Gateway Code | CSC/CVV |
|---|---|
| MATCH | 100 |
| NOT_PROCESSED | 101 |
| NO_MATCH | 102 |
| (American Express ONLY) MATCH | 1000 |
| (American Express ONLY) NOT_PROCESSED | 1010 |
| (American Express ONLY) NO_MATCH | 1020 |
| AVS Response Gateway Code | Billing Address Street |
|---|---|
| ADDRESS_MATCH | Alpha St |
| NOT_VERIFIED | Gamma St |
| NO_MATCH | November St |
| SERVICE_NOT_AVAILABLE_RETRY | Romeo St |
| SERVICE_NOT_SUPPORTED | Sierra St |
| NOT_AVAILABLE | Uniform St |
| ZIP_MATCH | Whiskey St |
| ADDRESS_ZIP_MATCH | X-ray St |
| NAME_MATCH | Kilo St |
| NAME_ADDRESS_MATCH | Oscar St |
| NAME_ZIP_MATCH | Lima St |
| NOT_REQUESTED | Zero St |
| Test Card | Card Number |
|---|---|
| American Express | 345678901234564 |
| Transaction Response Gateway Code | Expiry Date |
|---|---|
| APPROVED | 01/39 |
| UNSPECIFIED_FAILURE | 04/19, 4/38 |
| DECLINED | 04/37 |
| EXPIRED_CARD | 05/18, 05/37 |
| ACQUIRER_SYSTEM_ERROR | 11/18, 11/38 |
| CSC/CVV Response Gateway Code | CSC/CVV |
|---|---|
| MATCH | 0000 |
| NO_MATCH | 1111 |
| NOT_PROCESSED | 2222 |
| AVS Response Gateway Code | Billing Address Street |
|---|---|
| ADDRESS_MATCH | Alpha St |
| ADDRESS_ZIP_MATCH | Mike St |
| NOT_AVAILABLE | Uniform St |
| NAME_MATCH | Kilo St |
| NO_MATCH | November St |
| ZIP_MATCH | Zulu St |
| SERVICE_NOT_AVAILABLE_RETRY | Romeo St |
| SERVICE_NOT_SUPPORTED | Sierra St |
| NAME_ZIP_MATCH | Love St |
| NAME_ADDRESS_MATCH | Olive St |
| NOT_REQUESTED | Zero St |