Test card numbers

A comprehensive list of card numbers to test Simplify Commerce.

Intro

When testing your integrations with Simplify Commerce in Sandbox mode, you are prohibited from using real card numbers. As such, we provide a list of test card numbers which can be used to test various transaction and validation states.

Please note:
  • Real card numbers are prohibited and will decline in Sandbox mode.
  • Strip spaces & trim card numbers before use.
  • All transaction amounts used are in the smallest unit of your currency. Example: 513 = $5.13USD
  • 5555 5555 5555 4444 is the simplest card number to use when testing APPROVED payments.
  • Changing accepted cards in Merchant Settings will affect the behavior of the test card numbers.

Payment and Refund Status Codes

These card numbers will always create APPROVED payments and APPROVED refunds in sandbox:

Card Number Card Type Payment Status Refund Status
5105 1051 0510 5100MasterCardAPPROVEDAPPROVED
5111 0100 3017 5156MasterCardAPPROVEDAPPROVED
5185 5408 1000 0019MasterCardAPPROVEDAPPROVED
5200 8282 8282 8210MasterCardAPPROVEDAPPROVED
5204 2300 8000 0017MasterCardAPPROVEDAPPROVED
5204 7400 0990 0014MasterCardAPPROVEDAPPROVED
5420 9238 7872 4339MasterCardAPPROVEDAPPROVED
5455 3307 6000 0018MasterCardAPPROVEDAPPROVED
5506 9004 9000 0436MasterCardAPPROVEDAPPROVED
5506 9004 9000 0444MasterCardAPPROVEDAPPROVED
5506 9005 1000 0234MasterCardAPPROVEDAPPROVED
5506 9208 0924 3667MasterCardAPPROVEDAPPROVED
5506 9224 0063 4930MasterCardAPPROVEDAPPROVED
5506 9274 2731 7625MasterCardAPPROVEDAPPROVED
5553 0422 4198 4105MasterCardAPPROVEDAPPROVED
5555 5537 5304 8194MasterCardAPPROVEDAPPROVED
5555 5555 5555 4444MasterCardAPPROVEDAPPROVED
4012 8888 8888 1881VisaAPPROVEDAPPROVED
4111 1111 1111 1111VisaAPPROVEDAPPROVED
6011 0009 9013 9424DiscoverAPPROVEDAPPROVED
6011 1111 1111 1117DiscoverAPPROVEDAPPROVED
3714 496353 98431American ExpressAPPROVEDAPPROVED
3782 822463 10005American ExpressAPPROVEDAPPROVED
3056 9309 0259 04DinersAPPROVEDAPPROVED
3852 0000 0232 37DinersAPPROVEDAPPROVED
3530 1113 3330 0000JCBAPPROVEDAPPROVED
3566 0020 2036 0505JCBAPPROVEDAPPROVED

Creating a refund may still cause an error if the refund amount is more than the payment amount.




Payment and Authorization Decline Codes

Use this test data to generate declined payments with the reason depending on the amount of the transaction.

Please note:

All decline codes generated using the card with number 5555 5537 5304 8194 and its decline code will vary depending on the chosen amount.

Decline Code Payment Status Authorization Capture Status Payment Amount
PICKUP_CARD DECLINED APPROVED 1.00
HOT_CARD DECLINED APPROVED 2.00
LOST_CARD_PICKUP DECLINED APPROVED 3.00
SUSPECTED_FRAUD DECLINED APPROVED 5.00
EXPIRED_CARD DECLINED APPROVED 6.00
AVS_ZIP_MISMATCH DECLINED APPROVED 7.00
AVS_ADDRESS_MISMATCH DECLINED APPROVED 8.00
CVC_MISMATCH DECLINED APPROVED 9.00
INVALID_MERCHANT DECLINED APPROVED 10.00
INVALID_CURRENCY DECLINED APPROVED 11.00
CARD_TYPE_NOT_ENABLED DECLINED APPROVED 12.00
SYSTEM_ERROR DECLINED APPROVED 13.00
LIMIT_EXCEEDED DECLINED APPROVED 14.00
MERCHANT_LOCKED_OR_CLOSED DECLINED APPROVED 15.00
TOO_MANY_DECLINES DECLINED APPROVED 16.00
INVALID_CARD_NUMBER DECLINED APPROVED 17.00
DO_NOT_HONOUR DECLINED APPROVED 18.00
RESTRICTED_CARD DECLINED APPROVED 19.00
INSUFFICIENT_FUNDS DECLINED APPROVED 20.00
INVALID_PIN DECLINED APPROVED 21.00
INVALID_EMV DECLINED APPROVED 22.00
UNKNOWN DECLINED APPROVED 23.00
TOO_MANY_RETRIES DECLINED APPROVED 24.00
TIMED_OUT DECLINED APPROVED 25.00
NOT_SUPPORTED DECLINED APPROVED 26.00
CANCELLED DECLINED APPROVED 27.00
BLOCKED DECLINED APPROVED 28.00
SECURE_3D_NOT_ENROLLED DECLINED APPROVED 29.00
SECURE_3D_AUTH_FAILED DECLINED APPROVED 30.00
DUPLICATE DECLINED APPROVED 31.00
OTHER DECLINED APPROVED 32.00
AUTHORIZATION_EXPIRED APPROVED DECLINED 33.00



Other

Use these card numbers to test other responses in sandbox:

Card Number Response
5555 5555 5555 7462
Causes a payment to be DECLINED
5458 3282 1968 7788
Causes a payment to be APPROVED and the refund to be DECLINED
5506 9242 3109 7519
Causes AVS Zip to fail and if your account settings are configured to DECLINE on AVS Zip failure then the payment will DECLINE
5506 9243 2357 3492
Causes CVC to fail and if your account settings are configured to DECLINE on CVC failure then the payment will DECLINE
5506 9236 1530 6249 Causes an error to be raised with error code country.bin.not.accepted
5555 5555 5555 8726 Causes an error to be raised with error code card.invalid
5555 5555 5555 8742 Causes an error to be raised with error code card.expired
5555 5555 5555 0145 Causes an error to be raised with error code system
5313 1301 1207 5490 Causes a payment to be APPROVED but an error to be raised on a refund with error code system
5200 8282 8282 8210 Causes an authorization to be APPROVED but any subsequent capture requests to be DECLINED
5555 5537 5304 8194 Causes an authorization to be APPROVED but any subsequent capture requests to be DECLINED
5111 0100 3017 5156 Causes an authorization to be APPROVED but an error to be raised on a capture with error code system
5506 9242 9580 4792 Returns a specific AVS ZIP match response, AVS address match response and CVC match response depending on the address and CVC submitted. The address associated with the card is 1 Main Street, the ZIP code is 12345, and the CVC code is 123.

For FraudCheck this card returns the following:

  • AVS check code: “M” for match, “N” for no match, “W” zip code match only, “Z” address match only, “U” for unavailable;
  • CVC check code: “M” for match, “N” for no match, “U” for unavailable.

For Payment:

  • Causes AVS ZIP failure if your account settings are configured to DECLINE on AVS Zip failure and the ZIP code doesn't match (“N” or “Z”);
  • Causes CVC failure if your account settings are configured to DECLINE on CVC failure and the CVC doesn't match (“N”).
5506 9215 0542 1029 Causes a fraud check to return a response code S (not supported) for AVS and CVC.
5506 9252 0148 2565 Causes a fraud check to return a response code R (retry) for AVS and CVC.



Fraud

Once you have been onboarded with Simplify Controls, these tests cards can be used to test fraud responses in Sandbox mode:

Card Number Response
5506 9274 2731 7625
Causes fraud status to be APPROVED.
5506 9208 0924 3667
Causes fraud status to be UNDER REVIEW and will trigger one of the rules defined in merchant settings.
5506 9224 0063 4930
Causes fraud status to be DECLINED and will trigger all of the rules defined in merchant settings.

When testing transactions for fraud, the transaction amount is used to define the country and the fraud score:

  • The whole number represents the ISO 3166-1 numeric code for a country, for example 4=Afghanistan, 250=France, 356=India, 372=Ireland, 643=Russian Federation, 826=United Kingdom, 840=United States.
  • The fractional part of the value represents the fraud score.
  • For example, a transaction value of $840.88 would be used to test a transaction originating in the US returning a fraud score of 88.