The following test credit card numbers will only work in the sandbox. Use any expiration date after today’s date. If the card code is required, please use any 3-digit combination for Visa, Mastercard, Discover, Diners Club, EnRoute, and JCB; use a 4-digit combination for American Express.
Test Card Brand | Number |
American Express | 370000000000002 |
Discover | 6011000000000012 |
JCB | 3088000000000017 |
Diners Club/ Carte Blanche | 38000000000006 |
Visa | 4007000000027 |
| 4012888818888 |
| 4111111111111111 |
Mastercard | 5424000000000015 |
| 2223000010309703 |
| 2223000010309711 |
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 card) | 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 |
The NMI test platform will accept any valid PAN, however, if you don't have one available for use, it is possible to use one of the following available PANs:
Card Scheme | Card Number (PAN) |
Amex | 371111111111114 |
Diners | 3001111111111116 |
Discover | 6011111111111117 |
JCB | 35281111111111119 |
Maestro | 56410411111111113 |
Mastercard (Credit) | 5411111111111115 |
Mastercard (Debit) | 5511111111111114 |
Visa (Credit) | 4532111111111112 |
Visa (Debit) | 4751271111111118 |
For the expiry date, please choose any date in the future
* For CSC/CVV, please use the first 3 digits of the card number (PAN).
1. What are test card numbers, and why are they used?
Answer: Test card numbers are dummy credit card numbers used to simulate transactions in a secure, non-production environment. They allow developers and testers to test payment processing without using real cards, ensuring that payment systems work correctly before going live.
2. Can I use these test card numbers in a live environment?
Answer: No, these test card numbers are intended only for use in sandbox or testing environments. They will not work in live environments and should not be used for real transactions.
3. What expiration date should I use with test card numbers?
Answer: Use any expiration date that is in the future. The specific month and year do not matter as long as the date is after today’s date.
4. What card code (CSC/CVV) should I use with test cards?
Answer: You can use any 3-digit combination for Visa, Mastercard, Discover, Diners Club, EnRoute, and JCB cards. For American Express, use any 4-digit combination.
5. Are the test cards specific to each payment processor?
Answer: Yes, the test cards are specific to each payment processor (e.g., Authorize.net, Stripe, NMI) and should be used in their respective environments to test payment processing functionality.
6. What is the importance of using test cards in sandbox environments?
Answer: Using test cards in sandbox environments allows developers and users to test payment flows without involving real money or real customer data, ensuring the payment process is secure, functional, and error-free before going live.
7. What are the differences between the Visa test cards for Authorize.net and Stripe?
Answer: The Visa test cards differ slightly between Authorize.net and Stripe in terms of the numbers used. Each processor has its specific test card numbers, and they must be used within the correct platform's sandbox environment.
8. What is a sandbox environment, and why is it used?
Answer: A sandbox environment is a safe, testing environment developers use to simulate real-world transactions without affecting actual accounts or financial data. It is used for testing, debugging, and ensuring the system works correctly before deploying it in a live environment.
