Test Cards

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

Successful Response

  • 4200000000000000
  • 5520000000000000
  • 372000000000000
  • 3528800000000000

Card Declined

  • 4100000000000001
  • 5560000000000001
  • 371000000000001
  • 3528300000000001

Response

400 card_declined

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

Insufficient Funds

  • 4000000000000002
  • 5510000000000002
  • 370000000000002
  • 3528700000000002

Response

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

Response

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

Response

400 invalid_card

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

Processing Error

  • 4700000000000005
  • 5590000000000005
  • 377000000000005
  • 3528100000000005

Response

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

Response

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

Response

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

Response

400 unknown

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

Invalid Expiry

To test invalid expiry dates, 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 challenge or frictionless flow.

3D Secure challenge flow

  • 4242424242424242
  • 5200862422134742

Response

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

Response

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

Response

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.

Response

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. Please see the full schema here.

3D Secure frictionless flow failure

  • 4103112242852649
  • 5135062921901549

Response

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.

Response

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. Please see the full schema here.

Southern Payment Systems Pty Ltd
t/a Pin Payments
ABN: 46 154 451 582
Level 4, 356 Collins St,
Melbourne VIC 3000

A Checkout.com company

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Australia