Test Credit Card Numbers

When you're using the Test Gateway, you may test the service with the following credit card numbers below. A 4 digit CVV must be used for American Express card numbers, all other card numbers may use a 3 digit CVV.

Success

4111-1111-1111-1111

Success.

4222-2222-2222-2220

Success, but flagged for Fraud Review by the gateway. Note: the fraud review is only relevant to PayPal gateways when in production mode. This does not impact test transactions.

4000000000002024

Successful purchase with a declined refund

Declined

4000-0000-0000-0002

Declined by the gateway.

4000-0000-0000-0010

AVS failed on street address and postal code.

4000-0000-0000-0028

AVS failed on street address.

4000-0000-0000-0036

AVS failed on postal code.

4000-0000-0000-0044

Advanced Verification failed (Secure 3D, etc).

4000-0000-0000-0051

Card number declined.

4000-0000-0000-0069

Expired card or expiration date does not match.

4000-0000-0000-0077

Insufficient funds.

4000-0000-0000-0085

Did not pass your fraud filters.

4000-0000-0000-0093

Originating from fraudulent IP address.

4000-0000-0000-1190

Declined due to a fraud risk score.

4000-0000-0000-0101

CVV / Security code did not match.

4000-0000-0000-0119

Declined by issuing bank, customer needs to contact their bank.

4000-0000-0000-0200

Invalid data or parameter.

4222-2222-2222-2222

Invalid card number (Fails the Luhn algorithm check).

4000-0000-0000-0226

Invalid expiration date.

4000-0000-0000-0309

Gateway Timeout.

4000-0000-0000-0317

Duplicate transaction.

4000-0000-0000-0325

Card type not accepted.

4000-0000-0000-0341

'Declined by Gateway' error will be thrown, but Recurly will allow you to store card regardless.

*Please note:* With a real gateway, it is difficult to trigger the **Expiration date does not match** error. Most issuing banks do not validate the expiration date when processing a transaction. Instead, they use CVV and address information for more reliable fraud protection.

Other Successful Numbers

378282246310005

American Express.

371449635398431

American Express.

378734493671000

American Express Corporate.

30569309025904

Diners Club.

38520000023237

Diners Club.

6011000990139424

Discover.

3530111333300000

JCB.

3566002020360505

JCB.

5555555555554444

MasterCard.

5105105105105100

MasterCard.

2223000048400011

MasterCard.

4012888888881881

Visa.

4222222222222

Visa.

All our test credit card numbers pass the Luhn validation algorithm, except the Invalid credit card number.

3DS2 Test Cards

The test cards listed below should only be used to test the 3DS2 challenge flows. 3DS2 integration steps, and more information on how to use these cards, can be found in our guide here.

4000000000003220

This card will trigger the 3DS2 challenge flow.

4000000000003063

This card will trigger the device fingerprint flow.

4222222222222220

This card will trigger an approved transaction requiring fraud review (frictionless flow).

4000008400001629

This card can be used to test the 3DS2 dunning flow.

Test Bank Account Numbers (ACH)

To test ACH, you can add bank account details through the API, the Hosted Account Management pages or using the "Make a Payment" button on the hosted invoice page. You will not be able to add bank account details through the Admin due to NACHA regulations on merchant access to customer account information.

Testing ACH does not test your Check Commerce connection, but uses an internal Recurly test gateway to simulate the transaction responses and invoice states you will get with ACH payments and refunds.

Routing Number

123456780

This is the only routing number that will work in sandbox mode. This routing number will return the "BANK OF RECURLY".

Success Bank Account Number

111111111

Settled

Declined Bank Account Number

111111112

Transaction was cancelled by the bank.

111111113

Transaction was cancelled by the bank.

111111114

Will first be successful and then will issue a chargeback.

111111115

If refunded, will be a successful refund.

111111116

If refunded, will be a declined refund.