Test gateway
Use Recurly's Test Gateway to simulate credit card and ACH transactions — with predefined card numbers for successful transactions, declines, and 3DS2 challenge flows.
The Recurly Test Gateway provides a simulated environment for testing payment configurations using predefined credit card and bank account numbers — without affecting live operations or real money. It's active by default on your Recurly sandbox.
Available on all Recurly plans
Prerequisites
- A Recurly account with administrator access.
- Familiarity with the Recurly dashboard and gateway configuration.
Limitations
- Test transactions do not involve real money and are for testing purposes only.
- Test Gateway results may not always match live gateway outcomes.
- Not all real-world error scenarios can be simulated.
- Supported currencies: USD, AUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HUF, ILS, INR, JPY, MXN, NOK, NZD, PLN, SEK, SGD, and ZAR.
Definition
The Recurly Test Gateway provides a simulated environment for testing payment transactions using predefined credit card and bank account numbers. It helps merchants identify and resolve configuration issues before going live, without affecting real-world operations.
Key benefits
Risk-free testing
Test gateway configurations and transaction flows without real-world consequences.
Diverse scenarios
Simulate a range of transaction outcomes — from successful payments to specific decline reasons.
3DS2 ready
Test 3DS2 challenge flows without actual cardholder authentication.
Immediate feedback
Get instant results to diagnose and troubleshoot integration issues quickly.
Test credit card numbers
With the Test Gateway active, use the card numbers below to simulate specific transaction outcomes.
Successful transactions
| Card number | Outcome |
|---|---|
| 4111-1111-1111-1111 | Success |
| 4222-2222-2222-2220 | Success, but flagged for fraud review by the gateway. (Relevant only to PayPal gateways in production mode.) |
| 4000000000002024 | Successful purchase with a declined refund |
Additional successful card numbers
| Card number | Card type |
|---|---|
| 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 | 2 Series Mastercard |
| 4012888888881881 | Visa |
| 4222222222222 | Visa |
All numbers except 4222222222222 pass the Luhn validation algorithm.
Declined transactions
| Card number | Decline reason |
|---|---|
| 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 (3DS, etc.) |
| 4000-0000-0000-0051 | Card number declined |
| 4000-0000-0000-0069 | Expired card or expiration date mismatch |
| 4000-0000-0000-0077 | Insufficient funds |
| 4000-0000-0000-0085 | Did not pass fraud filters |
| 4000-0000-0000-0093 | Originating from a fraudulent IP address |
| 4000-0000-0000-1190 | Declined due to a fraud risk score |
| 4000-0000-0000-0101 | CVV / security code mismatch |
| 4000-0000-0000-0119 | Declined by issuing bank — customer must contact their bank |
| 4000-0000-0000-0200 | Invalid data or parameter |
| 4222-2222-2222-2222 | Invalid card number (fails Luhn algorithm) |
| 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 returned, but Recurly allows the card to be stored |
3DS2 test cards
Use these cards to test 3DS2 challenge flows only. See the 3DS2 integration guide for implementation details and instructions on using these cards.
| Card number | Description |
|---|---|
| 4000000000003220 | Triggers the 3DS2 challenge flow |
| 4000000000003063 | Triggers the device fingerprint flow |
| 4222222222222220 | Triggers an approved transaction requiring fraud review (frictionless flow) |
| 4000008400001629 | Tests the 3DS2 dunning flow |
Test bank account numbers (ACH)
ACH bank account testing uses Recurly's internal test gateway — it does not test your live gateway connection, but simulates transaction responses and invoice states for ACH payments and refunds.
Add bank account details via the API, Hosted Account Management pages, or the Make a Payment button on the hosted invoice page.
Note Adding bank account details through the Recurly Admin is not supported due to NACHA regulations on merchant access to customer account information.
Routing number
| Routing number | Description |
|---|---|
| 123456780 | The only routing number that works in sandbox mode. Returns "BANK OF RECURLY." |
Successful bank account number
| Account number | Description |
|---|---|
| 111111111 | Settled |
Declined bank account numbers
| Account number | Description |
|---|---|
| 111111112 | Transaction canceled by the bank |
| 111111113 | Transaction canceled by the bank |
| 111111114 | Initially successful, then issues a chargeback |
| 111111115 | If refunded, returns a successful refund |
| 111111116 | If refunded, returns a declined refund |