Test Credit Card Numbers for Ecommerce Payment Processing

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A hand tapping a credit card on a payment terminal for a contactless transaction.
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Test credit card numbers for ecommerce payment processing can be a challenge, but it doesn't have to be.

There are several types of test credit card numbers available, including Visa, Mastercard, and Discover.

For ecommerce payment processing, it's essential to use a test credit card number that mimics real-world transactions.

The Visa test credit card number starts with 4111, while the Mastercard test credit card number begins with 5105.

For another approach, see: Ecommerce Seller Financing

Simulating Test Payments

To simulate a successful payment, you can use the test card details provided in Example 3, which includes cards for American Express, Diners Club, Discover, JCB, and Visa.

You can also use the steps outlined in Example 2 to simulate a successful card payment, which involves going to the checkout page, choosing a test card, entering the card details, and confirming that the order was processed.

If you want to simulate a declined payment, you can use the test cards listed in Example 4, which includes cards for American Express, Mastercard, and Visa.

Here's a list of test cards for simulating declined transactions, as shown in Example 5:

Simulate Successful Transactions

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To simulate successful transactions, you'll need to use test card details. These are special card numbers that can be used in a sandbox environment to test payments without actually charging real money.

You can find test card details in various places, but one reliable source is the Clover SDK. They provide a list of test card numbers for different card brands, including American Express, Diners Club, Discover, JCB, and Visa.

For example, you can use the following test card numbers to simulate successful transactions: American Express (3782 822463 10005), Diners Club (3056 93090 25904), JCB (3566 0020 2036 0505), or Visa (4242 4242 4242 4242).

Here's a list of test card numbers you can use to simulate successful transactions:

Remember to use the address and CVV/CVC data with any card numbers listed above to complete the address and CVV/CVC checks.

On a similar theme: Cvc Credit Card Number

Sample Response

Let's take a closer look at a sample response from a simulated test payment. The response shows that the order is successfully created, but the card payment status is DECLINED.

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The status is DECLINED because the card was refused. This can be seen on line 18 of the response.

Here are some key details from the response that indicate why the card payment was declined:

  • Status: DECLINED
  • AVS code: G (card is globally unavailable)
  • CVV code: P (card wasn't processed)
  • Response code: 5400 (card is expired)

These details give you a clear understanding of why the card payment was declined, and can help you troubleshoot any issues with your test payments.

Stripe Integration

To test Stripe Payment Gateway, use the Test Visa Card number 4242 4242 4242 4242 in the Dashboard or any Stripe payment forms.

You can use any three-digit CVC number, or a four-digit number for American Express cards.

For successful card captures with Expanded Checkout integration in sandbox, you'll need to simulate a payment.

You can use any information you want for other form field values when testing Stripe Payment Gateway.

Curious to learn more? Check out: 19 Digit Credit Card Number

Payment Gateways

Payment gateways like PayPal and Authorize.net offer test credit card numbers to help you test your website's payment functionality without risking real money. These test accounts are known as "sandbox" accounts.

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You can use test credit card numbers from PayPal to simulate real-world payment scenarios. PayPal provides a large selection of test accounts, including American Express, Discover, JCB, Mastercard, and Visa.

For example, you can use the following test credit card numbers from PayPal:

Remember to use a valid future expiration date and CVC code when testing with these credit card numbers.

PayPal

PayPal offers a sandbox environment for testing payments without using real money. This allows site owners to simulate real-world payment scenarios.

To test credit card payments, PayPal provides a list of test credit card numbers for various card brands. Here are some examples:

For testing, the expiration date must be a valid future date in the MM/YY format.

Payment Gateways

To test a successful card payment, you can use a test card from a list provided by payment gateways such as Stripe, PayPal, or Square.

For example, Stripe provides a list of test credit card numbers for various credit card brands, including American Express, Discover, and Visa.

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Here's a list of test credit card numbers for different payment gateways:

When testing card payments, it's essential to use a valid future expiration date and a correct CVC (Card Verification Value) code. For example, for Visa cards, the CVC code should be 3 digits, while for American Express cards, it should be 4 digits.

In addition to test credit card numbers, some payment gateways also provide test accounts, known as "sandbox" accounts, which allow you to simulate real-world payment scenarios without affecting your actual account balance.

For another approach, see: Credit Card Numbers with Security Code

Error Handling and Prevention

Error handling is crucial when working with test credit card numbers to prevent unauthorized transactions. This can be achieved by setting a low transaction limit.

Invalid test credit card numbers, such as those with a prefix of 34 or 37, are not accepted by most payment gateways. These prefixes are reserved for Diners Club and American Express, respectively.

To prevent errors, it's essential to use a valid test credit card number, such as 4242424242424242, which is a Mastercard number.

Simulate Error Scenarios

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To test your integration's error handling, you can simulate various error scenarios using test cards and rejection triggers. You can enter a rejection trigger in the First Name or Name on Card field to simulate credit card error scenarios in Expanded Checkout integrations.

Use a Visa card number, such as 4012 8888 8888 1881, with a future expiration date and any 3-digit CVV to simulate a card error. You can also use the test card numbers provided in the "Cards to test Stripe Declined errors" section, such as 4000 0000 0000 0002 for a generic decline.

Here's a breakdown of the error codes you can simulate using these test cards:

By simulating these error scenarios, you can test your integration's ability to handle different types of errors and provide a better user experience.

AVS Success Scenarios in Ecommerce

To test Address Verification Service (AVS) success scenarios in ecommerce, you can use any of the following test card numbers with any United States postal or ZIP code. This will help you ensure that your ecommerce platform is correctly validating addresses and preventing errors.

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The test card numbers for AVS success scenarios are provided by payment providers and are specific to each card brand. For example, American Express offers the test card number 375186917371340, while Visa provides 4761530001111126.

Using these test card numbers will allow you to simulate successful AVS checks and ensure that your ecommerce platform is correctly verifying addresses. This is especially important when it comes to preventing errors and ensuring a smooth checkout experience for your customers.

Here are some test card numbers for AVS success scenarios, organized by card brand:

By using these test card numbers and following the guidelines for AVS success scenarios, you can help ensure that your ecommerce platform is correctly validating addresses and preventing errors. This will result in a smoother checkout experience for your customers and reduce the risk of errors and chargebacks.

Payment Processing Tools

To simulate a successful payment, you can use the sandbox environment to test your Expanded Checkout integration. This allows you to test your payment processing tools without affecting real customers.

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You can test a successful card payment by following these steps: Go to the checkout page for your integration, choose a test card from the list, enter the card details including the name on the card, billing address, and 2-character country code, and then submit the order.

Confirm that the order was processed by checking your account activity page. The payment amount should show up in your merchant sandbox account.

Here are the test card details you can use: Card NumberExpiration DateCVV424242424242424212/25123510510510510510012/25123

Payment Scenario Planning

To simulate successful payments, you can use the sandbox environment with Expanded Checkout integration, following the instructions for a successful card capture.

You can simulate transactions for root cause analysis using scenario-specific card details, which can be tailored to specific scenarios, such as analyzing a transaction failure status.

To simulate a transaction decline, use the Simulate declines section with card details that will result in a decline.

The sandbox environment allows you to test different payment scenarios without affecting real transactions.

Frequently Asked Questions

Is 378282246310005 a valid credit card number?

Yes, 378282246310005 is a valid American Express test credit card number. It can be used for testing purposes with any 4-digit number for the Card Security Code.

What card number is 4111 1111 1111 1111 CVV?

The card number 4111 1111 1111 1111 is a Visa test card number. It can be used with any expiry date and a 3-digit CVC for Windcave test accounts.

What credit card number are test cards 4111?

For Visa test cards, use the number 4111 1111 1111 1111. This is a pre-approved test card number provided by Windcave for testing purposes.

Do Discover cards start with 6011?

Yes, Discover cards are associated with the 6011 prefix, indicating they are part of the Discover network. This series is known for cash back rewards and user-friendly credit management.

Tasha Kautzer

Senior Writer

Tasha Kautzer is a versatile and accomplished writer with a diverse portfolio of articles. With a keen eye for detail and a passion for storytelling, she has successfully covered a wide range of topics, from the lives of notable individuals to the achievements of esteemed institutions. Her work spans the globe, delving into the realms of Norwegian billionaires, the Royal Norwegian Naval Academy, and the experiences of Norwegian emigrants to the United States.

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