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Testing

Test cards, amounts and scenarios that trigger declines, authentication, disputes and payout failures in test mode.

Test mode lets you run every flow end to end without moving money. Use your sk_test_ key, then use the cards and values on this page to trigger specific outcomes.

This is preview documentation for a prototype. Endpoints, fields and keys are illustrative.

Test cards

Use any future expiry date, any three-digit CVC (four for American Express) and any postal code.

Card number	Brand	Result
`4242 4242 4242 4242`	Visa	Succeeds
`5555 5555 5555 4444`	Mastercard	Succeeds
`3782 822463 10005`	American Express	Succeeds
`4000 0000 0000 3220`	Visa	Requires 3-D Secure authentication
`4000 0000 0000 0002`	Visa	Declined: `card_declined`
`4000 0000 0000 9995`	Visa	Declined: `insufficient_funds`
`4000 0000 0000 0069`	Visa	Declined: `expired_card`
`4000 0000 0000 0259`	Visa	Succeeds, then opens a dispute
`4000 0000 0000 5126`	Visa	Succeeds, but refunds fail

Cards by country

To test local acquiring and country-specific methods, use a card issued in the shopper's country.

Card number	Issuing country
`4000 0027 6000 0016`	Germany
`4000 0082 6000 0000`	United Kingdom
`4000 0039 2000 0003`	Japan
`4000 0007 6000 0002`	Brazil

Trigger outcomes with amounts

For methods without card numbers, such as wallets and bank transfers, the order amount decides the outcome.

Amount ends in	Result
`00`	Succeeds
`01`	Fails with `payment_method_declined`
`02`	Stays in `processing` for 2 minutes, then succeeds
`03`	Stays in `processing` for 2 minutes, then fails

For example, an order for 10001 minor units with a bank transfer will fail.

Authentication

Card 4000 0000 0000 3220 opens a test 3-D Secure page. Choose Complete to succeed or Fail to decline. The order moves to requires_action while the shopper is on that page, and you receive payment.requires_action.

Payouts

Use these bank details in test mode to simulate payout outcomes:

Detail	Result
IBAN `DE89370400440532013000`	`paid`
IBAN `DE62370400440532013001`	`failed` with `account_closed`
Account holder name `Test Mismatch`	`failed` with `name_mismatch`

Trigger events directly

You don't have to create a real flow to test your webhook handler. The CLI sends a realistic event to your endpoint:

io trigger payment.failed
io trigger dispute.opened
io trigger payout.failed

See Webhooks for how to forward events to your machine.

Landed-cost quotes

In test mode, quotes use fixed illustrative rates so results are repeatable. Any destination postal code works. To test a non-guaranteed quote, leave out hs_code on an item.

Moving to live

Before you switch to sk_live_ keys:

Handle order.paid from a webhook, not the browser redirect.
Handle payment.failed and show the shopper a clear message.
Verify webhook signatures.
Send an Idempotency-Key on every POST.
Check your error handling against the error reference.