Test Cards

The following cards can be used with the test API to simulate various success and error scenarios.

Standard responses

Successful Response

The following cards issuing country is Australia.

4200000000000000
5520000000000000
372000000000000
3528800000000000
6011200000000000

6510000000000000
36400000000000

The following cards issuing country is New Zealand.

4200000190000000
5520000190000000
372001800000000
3528800190000000
6011200190000000

6510000190000000
36400190000000

Card Declined

4100000000000001
5560000000000001
371000000000001
3528300000000001
6011600000000001

6550000000000001
36800000000001

400 card_declined

{
  "error": "card_declined",
  "error_description": "The card was declined",
  "charge_token": "ch_lfUYEBK14zotCTykezJkfg"
}

Insufficient Funds

4000000000000002
5510000000000002
370000000000002
3528700000000002
6011100000000002

6500000000000002
36300000000002

400 insufficient_funds

{
  "error": "insufficient_funds",
  "error_description": "There are not enough funds available to process the requested amount",
  "charge_token": "ch_lfUYEBK14zotCTykezJkfg"
}

Invalid CVV

4900000000000003
5550000000000003
379000000000003
3528200000000003
6011500000000003

6590000000000003
36700000000003

400 invalid_cvv

{
  "error": "invalid_cvv",
  "error_description": "The card verification code (cvc) was not in the correct format",
  "charge_token": "ch_lfUYEBK14zotCTykezJkfg"
}

Invalid Card

4800000000000004
5500000000000004
378000000000004
3528600000000004
6011000000000004

6540000000000004
36200000000004

400 invalid_card

{
  "error": "invalid_card",
  "error_description": "The card was invalid",
  "charge_token": "ch_lfUYEBK14zotCTykezJkfg"
}

Processing Error

4700000000000005
5590000000000005
377000000000005
3528100000000005
6011900000000005

6580000000000005
36600000000005

400 processing_error

{
  "error": "processing_error",
  "error_description": "An error occurred while processing the card",
  "charge_token": "ch_lfUYEBK14zotCTykezJkfg"
}

Suspected Fraud

4600000000000006
5540000000000006
376000000000006
3528500000000006
6011400000000006

6530000000000006
36100000000006

400 suspected_fraud

{
  "error": "suspected_fraud",
  "error_description": "The transaction was flagged as possibly fraudulent and subsequently declined",
  "charge_token": "ch_lfUYEBK14zotCTykezJkfg"
}

Gateway Error

4300000000000009
5570000000000009
373000000000009
3528400000000009
6011700000000009

6560000000000009
36900000000009

502 gateway_error

{
  "error": "gateway_error",
  "error_description": "An upstream error occurred while processing the transaction. Please try again.",
  "charge_token": "ch_lfUYEBK14zotCTykezJkfg"
}

Unknown

4400000000000099
5530000000000099
374000000000099
3528900000000099
6011300000000099

6520000000000099
36000000000099

400 unknown

{
  "error": "unknown",
  "error_description": "Sorry, an unknown error has occurred. This is being investigated"
}

Invalid Expiry

To simulate an invalid expiry date, provide the API with an expiry date in the past.

3D Secure

The following cards can be used with the test API to elicit a simulated 3D Secure process.

3D Secure challenge flow

4242424242424242
5200862422134742

202 accepted

{
  "token": "ch_lfUYEBK14zotCTykezJkfg",
  "status_message": "Pending",
  "redirect_url": "https://sandbox.checkout.com/api2/v2/3ds/acs/sid_feixbit6us3utfedjulm6egnsu"
}

3D Secure frictionless flow

4539164428142547
5309961755464047

202 accepted

{
  "token": "ch_lfUYEBK14zotCTykezJkfg",
  "status_message": "Pending",
  "redirect_url": "https://sandbox.checkout.com/api2/v2/3ds/acs/sid_feixbit6us3utfedjulm6egnsu"
}

3D Secure challenge flow failure

4532776623785148
5248227798896148

202 accepted

{
  "token": "ch_lfUYEBK14zotCTykezJkfg",
  "status_message": "Pending",
  "redirect_url": "https://sandbox.checkout.com/api2/v2/3ds/acs/sid_feixbit6us3utfedjulm6egnsu"
}

After following the redirect URL and completing the challenge, verifying the charge will result in a declined card error.

200

{
  "success": false,
  "token": "ch_lfUYEBK14zotCTykezJkfg",
  "status_message": "Card Declined",
  "error_message": "Card Declined"
}

Note the above is just a snippet of the returned response. View the full schema ›

3D Secure frictionless flow failure

4103112242852649
5135062921901549

202 accepted

{
  "token": "ch_lfUYEBK14zotCTykezJkfg",
  "status_message": "Pending",
  "redirect_url": "https://sandbox.checkout.com/api2/v2/3ds/acs/sid_feixbit6us3utfedjulm6egnsu"
}

After following the redirect URL, verifying the charge will result in a declined card error.

200

{
  "success": false,
  "token": "ch_lfUYEBK14zotCTykezJkfg",
  "status_message": "Card Declined",
  "error_message": "Card Declined"
}

Note the above is just a snippet of the returned response. View the full schema ›

Dispute Category Test Cards

Using these test cards will result in a new dispute being created for a charge, with the dispute.category differing depending on the last two digits of the card number.

The range for these test cards will encompass cards ending in 6x.

Note: These disputes will only have three possible statuses. They are evidence_required,evidence_under_review, or accepted. To simulate other statuses the API user will need to use the Dispute Status Test Cards.

Fraudulent

4900000000000060
5550000000000060

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "proof_of_delivery_or_service",
    "invoice_or_receipt",
    "customer_communication",
    "additional_evidence"
  ]
}

Unrecognised

4800000000000061
5500000000000061

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "unrecognised",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "proof_of_delivery_or_service",
    "invoice_or_receipt",
    "customer_communication",
    "additional_evidence"
  ]
}

Cancelled Recurring Payment

4700000000000062
5590000000000062

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "cancelled_recurring",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "customer_communication",
    "refund_or_cancellation_policy",
    "recurring_transaction_agreement",
    "additional_evidence"
  ]
}

Product or Service Not Received

4600000000000063
5540000000000063

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "product_service_not_received",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "invoice_or_receipt",
    "customer_communication",
    "proof_of_delivery_or_service",
    "additional_evidence"
  ]
}

Not as Described

4500000000000064
5580000000000064

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "not_as_described",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "invoice_or_receipt",
    "customer_communication",
    "refund_or_cancellation_policy",
    "additional_evidence"
  ]
}

Credit Not Issued

4400000000000065
5530000000000065

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "credit_not_issued",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "invoice_or_receipt",
    "customer_communication",
    "refund_or_cancellation_policy",
    "additional_evidence"
  ]
}

Duplicate

4300000000000066
5570000000000066

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "duplicate",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "proof_of_delivery_or_service",
    "invoice_showing_distinct_transactions",
    "additional_evidence"
  ]
}

Incorrect Amount

4200000000000067
5520000000000067

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "incorrect_amount",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "invoice_or_receipt",
    "customer_communication",
    "refund_or_cancellation_policy",
    "additional_evidence"
  ]
}

General

4100000000000068
5560000000000068

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "general",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD",
  "relevant_evidence": [
    "proof_of_delivery_or_service",
    "invoice_or_receipt",
    "invoice_showing_distinct_transactions",
    "customer_communication",
    "refund_or_cancellation_policy",
    "recurring_transaction_agreement",
    "additional_evidence"
  ]
}

Dispute Status Test Cards

Using these test cards will result in a new dispute being created for a charge, with the dispute.status differing depending on the last two digits of the card number.

The range for these test cards will encompass cards ending in 8x. This allows for the category cards to expand into the 7x range if needed.

Some of these disputes will only change status after evidence has been submitted or the dispute has been accepted. Doing either of these things, regardless of the normal flow, will result in the stated statuses.

Note: These disputes will always be of category fraudulent as this is assumed to be the most common category.

Evidence Under Review

4500000000000080
5580000000000080

Returns evidence_under_review status after submission of evidence.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD"
}

Upon submission of evidence:

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_under_review",
  "amount": 100,
  "currency": "AUD"
}

Won

4400000000000081
5530000000000081

Returns won status after submission of evidence.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD"
}

Upon submission of evidence:

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "won",
  "amount": 100,
  "currency": "AUD"
}

Lost

4300000000000082
5570000000000082

Returns lost status after submission of evidence.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD"
}

Upon submission of evidence:

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "lost",
  "amount": 100,
  "currency": "AUD"
}

Expired

4200000000000083
5520000000000083

Returns expired status immediately.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "expired",
  "amount": 100,
  "currency": "AUD"
}

Resolved

4100000000000084
5560000000000084

Returns resolved status immediately.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "resolved",
  "amount": 100,
  "currency": "AUD"
}

Arbitration Under Review

4000000000000085
5510000000000085

Returns arbitration under review status after submission of evidence.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD"
}

Upon submission of evidence:

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "arbitration_under_review",
  "amount": 100,
  "currency": "AUD"
}

Arbitration Won

4900000000000086
5550000000000086

Returns arbitration won status after submission of evidence.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD"
}

Upon submission of evidence:

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "arbitration_won",
  "amount": 100,
  "currency": "AUD"
}

Arbitration Lost

4800000000000087
5500000000000087

Returns arbitration lost status after submission of evidence.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "evidence_required",
  "amount": 100,
  "currency": "AUD"
}

Upon submission of evidence:

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "arbitration_lost",
  "amount": 100,
  "currency": "AUD"
}

Cancelled

4700000000000088
5590000000000088

Returns cancelled status immediately.

200

{
  "token": "dis_JRs6Xgk4jMyF33yGijQ7Nw",
  "category": "fraudulent",
  "status": "cancelled",
  "amount": 100,
  "currency": "AUD"
}

API Reference

Test Cards

Standard responses

Successful Response

Card Declined

Insufficient Funds

Invalid CVV

Invalid Card

Processing Error

Suspected Fraud

Gateway Error

Unknown

Invalid Expiry

3D Secure

3D Secure challenge flow

3D Secure frictionless flow

3D Secure challenge flow failure

3D Secure frictionless flow failure

Dispute Category Test Cards

Fraudulent

Unrecognised

Cancelled Recurring Payment

Product or Service Not Received

Not as Described

Credit Not Issued

Duplicate

Incorrect Amount

General

Dispute Status Test Cards

Evidence Under Review

Won

Lost

Expired

Resolved

Arbitration Under Review

Arbitration Won

Arbitration Lost

Cancelled