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.

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.

Simple Test Cards Reference

Visa Cards

CARD NUMBER	EXPIRY DATE	CVV	ADDRESS	OUTCOME
4508750015741019	01/39	100	Alpha St	Approved
4508750015741019	05/39	100	Alpha St	Declined
4508750015741019	04/27	100	Alpha St	Expired Card
4508750015741019	08/28	100	Alpha St	Timed Out
4508750015741019	01/39	102	Alpha St	CVV No Match

Mastercard

CARD NUMBER	EXPIRY DATE	CVV	ADDRESS	OUTCOME
5123450000000008	01/39	100	Alpha St	Approved
5123450000000008	05/39	100	Alpha St	Declined
5123450000000008	01/39	102	Alpha St	CVV No Match
5123450000000008	01/39	100	November St	Address No Match

American Express

CARD NUMBER	EXPIRY DATE	CVV	ADDRESS	OUTCOME
345678901234564	01/39	0000	Alpha St	Approved
345678901234564	04/37	0000	Alpha St	Declined
345678901234564	05/18	0000	Alpha St	Expired Card
345678901234564	01/39	1111	Alpha St	CVV No Match
345678901234564	01/39	0000	November St	Address No Match

Discover

CARD NUMBER	EXPIRY DATE	CVV	ADDRESS	OUTCOME
6011003179988686	01/39	100	Alpha St	Approved
6011003179988686	05/39	100	Alpha St	Declined

Standard test cards (Card Network) All supported regions

Test Cards	Card Number
Mastercard	5123450000000008
Visa	4508750015741019
American Express	345678901234564
Discover	6011003179988686

Transaction responses

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 responses

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 responses

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

American Express test cards (Card Network & Acquirer) All supported regions

Test Card	Card Number
American Express	345678901234564

American Express Transaction responses

Transaction Response Gateway Code	Expiry Date
APPROVED	01/39
UNSPECIFIED_FAILURE	04/19
DECLINED	04/37
EXPIRED_CARD	05/18, 05/37
ACQUIRER_SYSTEM_ERROR	11/18

American Express CSC/CVV responses

CSC/CVV Response Gateway Code	CSC/CVV
MATCH	0000
NO_MATCH	1111
NOT_PROCESSED	2222

American Express AVS responses

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