> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://beta-docs.payabli.com/references/test-accounts/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://beta-docs.payabli.com/_mcp/server.

# Payment methods for testing

Use these test cards and accounts to simulate transactions in your sandbox. You can use these cards and accounts to make test transactions via the API or any of Payabli's hosted payment solutions, like the virtual terminal or payment pages.

## Simulate a successful transaction

Use these test cards and accounts for transactions in sandbox.

### Cards

Use these with any future expiration date.

<table>
  <thead>
    <tr>
      <th>
        Payment Method
      </th>

      <th>
        Test Data
      </th>

      <th>
        CVV
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        Visa
      </td>

      <td>
        4012000098765439
      </td>

      <td>
        999
      </td>
    </tr>

    <tr>
      <td>
        Mastercard
      </td>

      <td>
        5146315000000055
      </td>

      <td>
        998
      </td>
    </tr>

    <tr>
      <td>
        Mastercard BIN 2
      </td>

      <td>
        2223000048400011
      </td>

      <td>
        998
      </td>
    </tr>

    <tr>
      <td>
        Discover
      </td>

      <td>
        6011000993026909
      </td>

      <td>
        996
      </td>
    </tr>

    <tr>
      <td>
        American Express
      </td>

      <td>
        374101000000608 or 371449635392376
      </td>

      <td>
        9997
      </td>
    </tr>

    <tr>
      <td>
        Diner's Club
      </td>

      <td>
        36256000000725
      </td>

      <td>
        123
      </td>
    </tr>

    <tr>
      <td>
        JCB
      </td>

      <td>
        3566000000000000
      </td>

      <td>
        123
      </td>
    </tr>
  </tbody>
</table>

### ACH

| Payment Method | Test Data                                   |
| -------------- | ------------------------------------------- |
| account (ACH)  | 123123123                                   |
| routing (ACH)  | Any real routing number, such as 102103407. |

## Simulate a decline

To simulate a card decline, use this card with a transaction amount of **\$0.20 (20 cents)** in the request. You can use any future date for the expiration date.

<table>
  <thead>
    <tr>
      <th>
        Payment Method
      </th>

      <th>
        Test Data
      </th>

      <th>
        CVV
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        Visa
      </td>

      <td>
        4532802195368947
      </td>

      <td>
        999
      </td>
    </tr>
  </tbody>
</table>

> **Warning**
>
> Using this test card repeatedly in a short period can sometimes cause it to be blocked. As a best practice, Payabli recommends adhering to the [fraud control](/api-reference/api-overview#rate-limits) limits. If you have specific questions about limits in your sandbox account, contact your Payabli Solution Engineer.

The request should return a decline response like this:

```json
{
    "responseText": "Declined",
    "isSuccess": false,
    "pageIdentifier": null,
    "responseData": {
        "authCode": null,
        "referenceId": "124-d541b0a9d1774bf3871f1d967abaaaaaa",
        "resultCode": 2,
        "resultText": "201: Do not honor. The customer’s issuing bank is unwilling to accept the transaction.. DECLINED",
        "avsResponseText": null,
        "cvvResponseText": null,
        "customerId": 12345,
        "methodReferenceId": null
    }
}
```

> **Info**
>
> Reach out your Payabli Solution Engineer with any questions or issues related to testing declines.

> If you're a software company, you're a payments company™