Test payments in the sandbox

In the sandbox, checkout runs on the payment provider’s test mode. No money moves and nothing you do touches production. The details on this page make a sandbox checkout behave a certain way: a successful payment, a decline, a 3D Secure prompt, a dispute, or a wallet, SEPA Direct Debit or UPI payment.

Before you start

Any test card takes any future expiry date and any CVC. Use 3 digits for the CVC, or 4 for American Express. Any valid postal code works.
Never enter a real card number in the sandbox. Test mode rejects real cards.
Checkout shows the methods that fit the customer’s country and the checkout currency. To test UPI or SEPA Direct Debit, give the plan an INR or EUR price with location-based pricing and choose the matching billing country at checkout. See Payment methods for which method needs which currency.
Redirect methods open a test page instead of the wallet or bank. The page has Authorize test payment and Fail test payment buttons. Choose one to finish the payment.
SEPA Direct Debit finishes in about 3 minutes in the sandbox. It takes several business days in production. See Timing in the sandbox.

After each test, check the order, customer, subscription and entitlements in the sandbox dashboard, and the webhook events your endpoint received.

The cards you need most

Card number	Result
`4242 4242 4242 4242`	Payment succeeds
`4000 0000 0000 0002`	Card is declined
`4000 0000 0000 9995`	Declined for insufficient funds
`4000 0025 0000 3155`	3D Secure prompt, then the payment succeeds
`4000 0000 0000 0341`	Card is saved at checkout, but every charge on it fails. Use with a free trial to test a failed first charge

The rest of this page lists every other scenario.

Cards by brand

All of these succeed.

Brand	Card number	CVC
Visa	`4242 4242 4242 4242`	Any 3 digits
Visa (debit)	`4000 0566 5566 5556`	Any 3 digits
Mastercard	`5555 5555 5555 4444`	Any 3 digits
Mastercard (2-series)	`2223 0031 2200 3222`	Any 3 digits
Mastercard (debit)	`5200 8282 8282 8210`	Any 3 digits
Mastercard (prepaid)	`5105 1051 0510 5100`	Any 3 digits
American Express	`3782 822463 10005`	Any 4 digits
American Express	`3714 496353 98431`	Any 4 digits
Discover	`6011 1111 1111 1117`	Any 3 digits
Discover	`6011 0009 9013 9424`	Any 3 digits
Discover (debit)	`6011 9811 1111 1113`	Any 3 digits
Diners Club	`3056 9300 0902 0004`	Any 3 digits
Diners Club (14 digits)	`3622 720627 1667`	Any 3 digits
BCcard and DinaCard	`6555 9000 0060 4105`	Any 3 digits
JCB	`3566 0020 2036 0505`	Any 3 digits
UnionPay	`6200 0000 0000 0005`	Any 3 digits
UnionPay (debit)	`6200 0000 0000 0047`	Any 3 digits
UnionPay (19 digits)	`6205 5000 0000 0000 004`	Any 3 digits

Co-branded cards

Brand	Card number
Cartes Bancaires / Visa	`4000 0025 0000 1001`
Cartes Bancaires / Mastercard	`5555 5525 0000 1001`
eftpos Australia / Visa	`4000 0503 6000 0001`
eftpos Australia / Mastercard	`5555 0503 6000 0080`

Cards by country

Use these to see how checkout, tax and pricing behave for a card issued in a given country. All of them succeed. Cards from Europe and the Middle East succeed without a 3D Secure prompt.

Americas

Country	Card number	Brand
United States	`4242 4242 4242 4242`	Visa
Argentina	`4000 0003 2000 0021`	Visa
Brazil	`4000 0007 6000 0002`	Visa
Canada	`4000 0012 4000 0000`	Visa
Chile	`4000 0015 2000 0001`	Visa
Colombia	`4000 0017 0000 0003`	Visa
Costa Rica	`4000 0018 8000 0005`	Visa
Ecuador	`4000 0021 8000 0000`	Visa
Mexico	`4000 0048 4000 8001`	Visa
Mexico	`5062 2100 0000 0009`	Carnet
Panama	`4000 0059 1000 0000`	Visa
Paraguay	`4000 0060 0000 0066`	Visa
Peru	`4000 0060 4000 0068`	Visa
Uruguay	`4000 0085 8000 0003`	Visa

Europe and Middle East

Country	Card number	Brand
Austria	`4000 0004 0000 0008`	Visa
Belarus	`4000 0011 2000 0005`	Visa
Belgium	`4000 0005 6000 0004`	Visa
Bulgaria	`4000 0010 0000 0000`	Visa
Croatia	`4000 0019 1000 0009`	Visa
Cyprus	`4000 0019 6000 0008`	Visa
Czech Republic	`4000 0020 3000 0002`	Visa
Denmark	`4000 0020 8000 0001`	Visa
Estonia	`4000 0023 3000 0009`	Visa
Finland	`4000 0024 6000 0001`	Visa
France	`4000 0025 0000 0003`	Visa
Germany	`4000 0027 6000 0016`	Visa
Gibraltar	`4000 0029 2000 0005`	Visa
Greece	`4000 0030 0000 0030`	Visa
Hungary	`4000 0034 8000 0005`	Visa
Ireland	`4000 0037 2000 0005`	Visa
Italy	`4000 0038 0000 0008`	Visa
Latvia	`4000 0042 8000 0005`	Visa
Liechtenstein	`4000 0043 8000 0004`	Visa
Lithuania	`4000 0044 0000 0000`	Visa
Luxembourg	`4000 0044 2000 0006`	Visa
Malta	`4000 0047 0000 0007`	Visa
Netherlands	`4000 0052 8000 0002`	Visa
Norway	`4000 0057 8000 0007`	Visa
Poland	`4000 0061 6000 0005`	Visa
Portugal	`4000 0062 0000 0007`	Visa
Romania	`4000 0064 2000 0001`	Visa
Saudi Arabia	`4000 0068 2000 0007`	Visa
Slovakia	`4000 0070 3000 0001`	Visa
Slovenia	`4000 0070 5000 0006`	Visa
Spain	`4000 0072 4000 0007`	Visa
Sweden	`4000 0075 2000 0008`	Visa
Switzerland	`4000 0075 6000 0009`	Visa
United Arab Emirates	`4000 0078 4000 0001`	Visa
United Arab Emirates	`5200 0078 4000 0022`	Mastercard
United Kingdom	`4000 0082 6000 0000`	Visa
United Kingdom	`4000 0582 6000 0005`	Visa (debit)
United Kingdom	`5555 5582 6555 4449`	Mastercard

Asia Pacific

Country	Card number	Brand
Australia	`4000 0003 6000 0006`	Visa
China	`4000 0015 6000 0002`	Visa
Hong Kong	`4000 0034 4000 0004`	Visa
India	`4000 0035 6000 0008`	Visa
Japan	`4000 0039 2000 0003`	Visa
Japan	`3530 1113 3330 0000`	JCB
Malaysia	`4000 0045 8000 0002`	Visa
New Zealand	`4000 0055 4000 0008`	Visa
Singapore	`4000 0070 2000 0003`	Visa
Taiwan	`4000 0015 8000 0008`	Visa
Thailand	`4000 0076 4000 0003`	Visa (credit)
Thailand	`4000 0576 4000 0008`	Visa (debit)

Declined payments

Checkout shows the decline to the customer and no order is created.

Scenario	Card number	Decline reason
Generic decline	`4000 0000 0000 0002`	`generic_decline`
Insufficient funds	`4000 0000 0000 9995`	`insufficient_funds`
Lost card	`4000 0000 0000 9987`	`lost_card`
Stolen card	`4000 0000 0000 9979`	`stolen_card`
Expired card	`4000 0000 0000 0069`	`expired_card`
Incorrect CVC	`4000 0000 0000 0127`	`incorrect_cvc`
Processing error	`4000 0000 0000 0119`	`processing_error`
Incorrect number	`4242 4242 4242 4241`	`incorrect_number` (fails the Luhn check)
Too many attempts	`4000 0000 0000 6975`	`card_velocity_exceeded`
Decline after saving	`4000 0000 0000 0341`	The card is saved, then every charge fails. See Subscriptions and saved cards

Invalid card details

These errors come from the checkout form itself, before anything is sent to the payment provider.

Scenario	What to enter
Invalid expiry month	Month `13`
Invalid expiry year	A year in the past, such as `95`
Invalid CVC	A 2-digit CVC, such as `99`
Invalid number	A number that fails the Luhn check, such as `4242 4242 4242 4241`

3D Secure authentication

These cards show a 3D Secure test dialog at checkout. Click Complete to pass authentication or Fail to fail it.

Card number	3D Secure	Result
`4000 0000 0000 3220`	Required	Authentication must be completed. Irish-issued card
`4000 0084 0000 0027`	Required	Authentication must be completed. US-issued card
`4000 0084 0000 1629`	Required	Authentication succeeds, then the payment is declined
`4000 0084 0000 1280`	Required	The 3D Secure lookup fails with a processing error and the payment is declined
`4000 0000 3220 0000`	Required	Authentication is required and passes with a frictionless flow. The customer sees no dialog
`4000 0000 0000 3055`	Supported	Authentication is supported but not required. No prompt by default
`4000 0000 0000 3097`	Supported	Authentication is supported but not required. If attempted, it fails with a processing error
`4242 4242 4242 4242`	Supported	The card is not enrolled. The customer is never prompted
`3782 822463 10005`	Not supported	3D Secure cannot run. The payment proceeds without it

Challenge screens

Each of these requires 3D Secure 2 on every payment and shows a different kind of challenge screen in the test dialog.

Card number	Challenge type
`4000 5826 0000 0094`	Out of band, approved in another app
`4000 5826 0000 0045`	One-time passcode
`4000 5826 0000 0102`	Single select
`4000 5826 0000 0110`	Multi select

Subscriptions and saved cards

A subscription charges the saved card again at each renewal without the customer present. These cards behave differently on the first payment and on renewals.

Card number	At checkout	On renewal
`4000 0025 0000 3155`	3D Secure prompt	Succeeds, because the card was set up at checkout
`4000 0027 6000 3184`	3D Secure prompt	Renewal needs authentication, so the automatic charge fails
`4000 0038 0000 0446`	3D Secure prompt	Succeeds
`4000 0082 6000 3178`	3D Secure prompt, then declined for insufficient funds	Declined for insufficient funds
`4000 0000 0000 0341`	Saved successfully. A paid plan is declined right away; a free trial starts	Every charge fails

To run a renewal without waiting a month, use the Daily billing cycle described in Test a subscription renewal. Failed renewals follow the retry schedule in Failed subscription payments.

Fraud checks

Kelviq screens every payment for fraud. These cards exercise the CVC, postal code and address checks, and the risk score. Checks only run on fields you fill in, so enter a CVC or postal code to trigger them.

Card number	Scenario	Result
`4100 0000 0000 0019`	Highest risk	Always blocked
`4000 0000 0000 4954`	Highest risk	Usually blocked
`4000 0000 0000 9235`	Elevated risk	Succeeds, may be flagged for review
`4000 0084 0000 0407`	High fraud dispute score	May be blocked
`4000 0084 0000 0159`	High early fraud warning score	May be blocked
`4000 0084 0000 1017`	Dynamic risk threshold	May be blocked
`4001 8588 2184 3804`	Free trial abuse signal	May be blocked
`4000 0084 0560 0003`	Adaptive 3D Secure	3D Secure is requested
`4000 0000 0000 0101`	CVC check fails	May be blocked
`4000 0584 0030 7872`	CVC check fails, elevated risk	May be blocked
`4000 0000 0000 0036`	Postal code check fails	May be blocked
`4000 0584 0030 6072`	Postal code check fails, elevated risk	May be blocked
`4000 0000 0000 0028`	Address line 1 check fails	Succeeds
`4000 0000 0000 0010`	Postal code and address line 1 checks fail	May be blocked
`4000 0000 0000 0044`	Address checks unavailable	Succeeds

Captcha challenge

Card number	Result
`4000 0000 0000 1208`	Shows a captcha. The payment succeeds when the customer answers it
`4000 0000 0000 3725`	Shows a captcha. The payment succeeds when the customer answers it

Disputes

The payment succeeds, then a test dispute is opened on it. Kelviq handles disputes with the bank for you, so there is nothing to respond to. Use these to see how a disputed order looks and which webhook events it sends.

Card number	Dispute
`4000 0000 0000 0259`	Fraudulent, opened during the payment
`4061 2199 4639 3810`	Fraudulent, opened shortly after the payment
`6026 5078 3837 7928`	Fraudulent, Discover card
`4000 0000 0000 2685`	Product not received
`4000 0000 0000 1976`	Enquiry (a question from the bank, not yet a chargeback)
`4000 0000 0000 5423`	Early fraud warning, no dispute
`4000 0004 0400 0079`	Disputed several times
`4000 0004 0400 0038`	Visa Compelling Evidence 3.0 eligible
`4000 0084 0000 0779`	Visa compliance dispute
`5105 0084 0000 0002`	Mastercard compliance dispute
`4000 0000 0100 0043`	Smart Disputes eligible
`4000 0084 0000 0795`	No dispute at first. A partial refund opens a fraudulent dispute for the rest; a full refund opens none
`4000 0004 0400 4816`	Dispute prevented by Visa Rapid Dispute Resolution
`4000 0004 0400 5649`	Dispute blocked by Verifi Compelling Evidence 3.0
`5105 0003 0000 0018`	Dispute prevented by an Ethoca alert

Refunds

Refund a sandbox order from Orders with Refund payment. With most test cards the refund succeeds at once. These two cards make it asynchronous, the way some banks behave in production.

Card number	Refund result
`4000 0000 0000 7726`	Refund starts as pending, then succeeds
`4000 0000 0000 5126`	Refund looks successful, then fails

Wallets

Apple Pay and Google Pay

Apple Pay and Google Pay have no test cards. In the sandbox, pay with a real card in your wallet: test mode recognises it, returns a test token and never charges the card. Test cards cannot be added to a wallet.

Apple Pay needs Safari on a device with a card in Apple Wallet.
Google Pay needs a browser signed in to a Google account with at least one real card saved. Once the Google Pay sheet opens, you can also pick a card from Google’s test card suite.

If the wallet button does not appear, the device or browser does not meet the wallet’s requirements.

Link

Link saves card details for one-click checkout. In the sandbox, create a Link account with any email address. The one-time passcode decides the outcome.

Passcode	Result
Any 6 digits not listed below	Signs in
`000001`	Code invalid
`000002`	Code expired
`000003`	Too many attempts

Do not store real personal data in sandbox Link accounts.

Amazon Pay, Kakao Pay and Naver Pay

Select the wallet and click Pay. The test page opens. Click Authorize test payment to succeed or Fail test payment to fail. There are no special test values. Kakao Pay and Naver Pay need a KRW price and a customer in South Korea.

SEPA Direct Debit

SEPA Direct Debit is delayed: checkout completes, then the outcome arrives a few minutes later in the sandbox. Watch the order status and your webhook endpoint rather than the checkout page. Enter an IBAN from the list for the customer’s country. Every country has the same set of outcomes.

Germany (DE)

IBAN	Result
`DE89370400440532013000`	Payment succeeds
`DE08370400440532013003`	Payment succeeds after about 3 minutes
`DE62370400440532013001`	Payment fails
`DE78370400440532013004`	Payment fails after about 3 minutes
`DE84370400440000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`DE35370400440532013002`	Payment succeeds, then is disputed straight away
`DE65370400440000343434`	Payment fails because the weekly payment volume limit is exceeded
`DE27370400440000121212`	Payment fails because the amount is over the transaction limit
`DE65370400440002222227`	Payment fails because of insufficient funds
`DE18370400440000066666`	Checkout rejects the account as unusable

France (FR)

IBAN	Result
`FR1420041010050500013M02606`	Payment succeeds
`FR3020041010050500013M02609`	Payment succeeds after about 3 minutes
`FR8420041010050500013M02607`	Payment fails
`FR7920041010050500013M02600`	Payment fails after about 3 minutes
`FR1920041010050000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`FR5720041010050500013M02608`	Payment succeeds, then is disputed straight away
`FR9720041010050000000343434`	Payment fails because the weekly payment volume limit is exceeded
`FR5920041010050000000121212`	Payment fails because the amount is over the transaction limit
`FR9720041010050000002222227`	Payment fails because of insufficient funds
`FR5020041010050000000066666`	Checkout rejects the account as unusable

Netherlands (NL)

IBAN	Result
`NL39RABO0300065264`	Payment succeeds
`NL55RABO0300065267`	Payment succeeds after about 3 minutes
`NL91ABNA0417164300`	Payment fails
`NL28RABO0300065268`	Payment fails after about 3 minutes
`NL46RABO0000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`NL82RABO0300065266`	Payment succeeds, then is disputed straight away
`NL27RABO0000343434`	Payment fails because the weekly payment volume limit is exceeded
`NL86RABO0000121212`	Payment fails because the amount is over the transaction limit
`NL27RABO0002222227`	Payment fails because of insufficient funds
`NL77RABO0000066666`	Checkout rejects the account as unusable

Spain (ES)

IBAN	Result
`ES0700120345030000067890`	Payment succeeds
`ES2300120345030000067893`	Payment succeeds after about 3 minutes
`ES9121000418450200051332`	Payment fails
`ES9300120345030000067894`	Payment fails after about 3 minutes
`ES3600120345000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`ES5000120345030000067892`	Payment succeeds, then is disputed straight away
`ES1700120345000000343434`	Payment fails because the weekly payment volume limit is exceeded
`ES7600120345000000121212`	Payment fails because the amount is over the transaction limit
`ES1700120345000002222227`	Payment fails because of insufficient funds
`ES6700120345000000066666`	Checkout rejects the account as unusable

Austria (AT)

IBAN	Result
`AT611904300234573201`	Payment succeeds
`AT321904300235473204`	Payment succeeds after about 3 minutes
`AT861904300235473202`	Payment fails
`AT051904300235473205`	Payment fails after about 3 minutes
`AT201904300000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`AT591904300235473203`	Payment succeeds, then is disputed straight away
`AT981904300000343434`	Payment fails because the weekly payment volume limit is exceeded
`AT601904300000121212`	Payment fails because the amount is over the transaction limit
`AT981904300002222227`	Payment fails because of insufficient funds
`AT511904300000066666`	Checkout rejects the account as unusable

Belgium (BE)

IBAN	Result
`BE62510007547061`	Payment succeeds
`BE78510007547064`	Payment succeeds after about 3 minutes
`BE68539007547034`	Payment fails
`BE51510007547065`	Payment fails after about 3 minutes
`BE12510000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`BE08510007547063`	Payment succeeds, then is disputed straight away
`BE90510000343434`	Payment fails because the weekly payment volume limit is exceeded
`BE52510000121212`	Payment fails because the amount is over the transaction limit
`BE90510002222227`	Payment fails because of insufficient funds
`BE43510000066666`	Checkout rejects the account as unusable

Croatia (HR)

IBAN	Result
`HR7624020064583467589`	Payment succeeds
`HR6323600002337876649`	Payment succeeds after about 3 minutes
`HR2725000096983499248`	Payment fails
`HR6723600004878117427`	Payment fails after about 3 minutes
`HR9324020060000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`HR8724840081455523553`	Payment succeeds, then is disputed straight away
`HR7424020060000343434`	Payment fails because the weekly payment volume limit is exceeded
`HR3624020060000121212`	Payment fails because the amount is over the transaction limit
`HR7424020060002222227`	Payment fails because of insufficient funds
`HR2724020060000066666`	Checkout rejects the account as unusable

Estonia (EE)

IBAN	Result
`EE382200221020145685`	Payment succeeds
`EE222200221020145682`	Payment succeeds after about 3 minutes
`EE762200221020145680`	Payment fails
`EE922200221020145683`	Payment fails after about 3 minutes
`EE862200000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`EE492200221020145681`	Payment succeeds, then is disputed straight away
`EE672200000000343434`	Payment fails because the weekly payment volume limit is exceeded
`EE292200000000121212`	Payment fails because the amount is over the transaction limit
`EE672200000002222227`	Payment fails because of insufficient funds
`EE202200000000066666`	Checkout rejects the account as unusable

Finland (FI)

IBAN	Result
`FI2112345600000785`	Payment succeeds
`FI3712345600000788`	Payment succeeds after about 3 minutes
`FI9112345600000786`	Payment fails
`FI1012345600000789`	Payment fails after about 3 minutes
`FI8612345600454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`FI6412345600000787`	Payment succeeds, then is disputed straight away
`FI6712345600343434`	Payment fails because the weekly payment volume limit is exceeded
`FI2912345600121212`	Payment fails because the amount is over the transaction limit
`FI6712345602222227`	Payment fails because of insufficient funds
`FI2012345600066666`	Checkout rejects the account as unusable

Gibraltar (GI)

IBAN	Result
`GI60MPFS599327643783385`	Payment succeeds
`GI08RRNW626436291644533`	Payment succeeds after about 3 minutes
`GI41SAFA461293238477751`	Payment fails
`GI50LROG772261344693297`	Payment fails after about 3 minutes
`GI33NWBK000000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`GI26KJBC361883934534696`	Payment succeeds, then is disputed straight away
`GI14NWBK000000000343434`	Payment fails because the weekly payment volume limit is exceeded
`GI73NWBK000000000121212`	Payment fails because the amount is over the transaction limit
`GI14NWBK000000002222227`	Payment fails because of insufficient funds
`GI64NWBK000000000066666`	Checkout rejects the account as unusable

Ireland (IE)

IBAN	Result
`IE29AIBK93115212345678`	Payment succeeds
`IE24AIBK93115212345671`	Payment succeeds after about 3 minutes
`IE02AIBK93115212345679`	Payment fails
`IE94AIBK93115212345672`	Payment fails after about 3 minutes
`IE29AIBK93115200454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`IE51AIBK93115212345670`	Payment succeeds, then is disputed straight away
`IE10AIBK93115200343434`	Payment fails because the weekly payment volume limit is exceeded
`IE69AIBK93115200121212`	Payment fails because the amount is over the transaction limit
`IE10AIBK93115202222227`	Payment fails because of insufficient funds
`IE60AIBK93115200066666`	Checkout rejects the account as unusable

Liechtenstein (LI)

IBAN	Result
`LI0508800636123378777`	Payment succeeds
`LI4408800387787111369`	Payment succeeds after about 3 minutes
`LI1208800143823175626`	Payment fails
`LI4908800356441975566`	Payment fails after about 3 minutes
`LI4308800000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`LI7708800125525347723`	Payment succeeds, then is disputed straight away
`LI2408800000000343434`	Payment fails because the weekly payment volume limit is exceeded
`LI8308800000000121212`	Payment fails because the amount is over the transaction limit
`LI2408800000002222227`	Payment fails because of insufficient funds
`LI7408800000000066666`	Checkout rejects the account as unusable

Lithuania (LT)

IBAN	Result
`LT121000011101001000`	Payment succeeds
`LT281000011101001003`	Payment succeeds after about 3 minutes
`LT821000011101001001`	Payment fails
`LT981000011101001004`	Payment fails after about 3 minutes
`LT781000000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`LT551000011101001002`	Payment succeeds, then is disputed straight away
`LT591000000000343434`	Payment fails because the weekly payment volume limit is exceeded
`LT211000000000121212`	Payment fails because the amount is over the transaction limit
`LT591000000002222227`	Payment fails because of insufficient funds
`LT121000000000066666`	Checkout rejects the account as unusable

Luxembourg (LU)

IBAN	Result
`LU280019400644750000`	Payment succeeds
`LU440019400644750003`	Payment succeeds after about 3 minutes
`LU980019400644750001`	Payment fails
`LU170019400644750004`	Payment fails after about 3 minutes
`LU120010000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`LU710019400644750002`	Payment succeeds, then is disputed straight away
`LU900010000000343434`	Payment fails because the weekly payment volume limit is exceeded
`LU520010000000121212`	Payment fails because the amount is over the transaction limit
`LU900010000002222227`	Payment fails because of insufficient funds
`LU430010000000066666`	Checkout rejects the account as unusable

Norway (NO)

IBAN	Result
`NO9386011117947`	Payment succeeds
`NO8886011117940`	Payment succeeds after about 3 minutes
`NO6686011117948`	Payment fails
`NO6186011117941`	Payment fails after about 3 minutes
`NO2486010454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`NO3986011117949`	Payment succeeds, then is disputed straight away
`NO0586010343434`	Payment fails because the weekly payment volume limit is exceeded
`NO6486010121212`	Payment fails because the amount is over the transaction limit
`NO0586012222227`	Payment fails because of insufficient funds
`NO5586010066666`	Checkout rejects the account as unusable

Portugal (PT)

IBAN	Result
`PT50000201231234567890154`	Payment succeeds
`PT66000201231234567890157`	Payment succeeds after about 3 minutes
`PT23000201231234567890155`	Payment fails
`PT39000201231234567890158`	Payment fails after about 3 minutes
`PT24000201230000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`PT93000201231234567890156`	Payment succeeds, then is disputed straight away
`PT05000201230000000343434`	Payment fails because the weekly payment volume limit is exceeded
`PT64000201230000000121212`	Payment fails because the amount is over the transaction limit
`PT05000201230000002222227`	Payment fails because of insufficient funds
`PT55000201230000000066666`	Checkout rejects the account as unusable

Sweden (SE)

IBAN	Result
`SE3550000000054910000003`	Payment succeeds
`SE5150000000054910000006`	Payment succeeds after about 3 minutes
`SE0850000000054910000004`	Payment fails
`SE2450000000054910000007`	Payment fails after about 3 minutes
`SE4750000000000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`SE7850000000054910000005`	Payment succeeds, then is disputed straight away
`SE2850000000000000343434`	Payment fails because the weekly payment volume limit is exceeded
`SE8750000000000000121212`	Payment fails because the amount is over the transaction limit
`SE2850000000000002222227`	Payment fails because of insufficient funds
`SE7850000000000000066666`	Checkout rejects the account as unusable

Switzerland (CH)

IBAN	Result
`CH9300762011623852957`	Payment succeeds
`CH8656663438253651553`	Payment succeeds after about 3 minutes
`CH5362200119938136497`	Payment fails
`CH1843597160341964438`	Payment fails after about 3 minutes
`CH3700762000000454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`CH1260378413965193069`	Payment succeeds, then is disputed straight away
`CH1800762000000343434`	Payment fails because the weekly payment volume limit is exceeded
`CH7700762000000121212`	Payment fails because the amount is over the transaction limit
`CH1800762000002222227`	Payment fails because of insufficient funds
`CH6800762000000066666`	Checkout rejects the account as unusable

United Kingdom (GB)

IBAN	Result
`GB82WEST12345698765432`	Payment succeeds
`GB98WEST12345698765435`	Payment succeeds after about 3 minutes
`GB55WEST12345698765433`	Payment fails
`GB71WEST12345698765436`	Payment fails after about 3 minutes
`GB89WEST12345600454545`	Payment fails because the customer revoked the mandate. The account cannot be charged again
`GB28WEST12345698765434`	Payment succeeds, then is disputed straight away
`GB70WEST12345600343434`	Payment fails because the weekly payment volume limit is exceeded
`GB32WEST12345600121212`	Payment fails because the amount is over the transaction limit
`GB70WEST12345602222227`	Payment fails because of insufficient funds
`GB23WEST12345600066666`	Checkout rejects the account as unusable

UPI

Select UPI and click Pay. A QR code appears. Scan it with your phone to open a UPI test payment page, where you can Authorize or Expire the payment. There are no test UPI IDs: checkout only takes UPI by QR code. The same flow sets up the UPI AutoPay mandate for a subscription. Limits, AutoPay and refunds are on the UPI page.

Timing in the sandbox

Method	Sandbox	Production
Cards, Apple Pay, Google Pay, Link	Immediate	Immediate
Amazon Pay, Kakao Pay, Naver Pay	Immediate, after the test page	Immediate, after the wallet
SEPA Direct Debit	Immediate, or about 3 minutes for the delayed IBANs	Several business days
UPI	Immediate, after the test page	Immediate, after the customer pays
Refunds	Immediate, except the two asynchronous refund cards	Minutes to several days

Sandbox explains environments, keys and the daily billing cycle for renewal tests.
Payment methods lists which methods appear for which countries and currencies.
Webhooks covers the events each outcome sends.

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Merchant of record

Product catalog

Checkout

Promotions

Sales

Customer portal

Payouts

Settings

Guides

Legal

Before you start

The cards you need most

Cards by brand

Co-branded cards

Cards by country

Declined payments

Invalid card details

3D Secure authentication

Challenge screens

Subscriptions and saved cards

Fraud checks

Captcha challenge

Disputes

Refunds

Wallets

Apple Pay and Google Pay

Link

Amazon Pay, Kakao Pay and Naver Pay

SEPA Direct Debit

UPI

Timing in the sandbox

​Before you start

​The cards you need most

​Cards by brand

​Co-branded cards

​Cards by country

​Declined payments

​Invalid card details

​3D Secure authentication

​Challenge screens

​Subscriptions and saved cards

​Fraud checks

​Captcha challenge

​Disputes

​Refunds

​Wallets

​Apple Pay and Google Pay

​Link

​Amazon Pay, Kakao Pay and Naver Pay

​SEPA Direct Debit

​UPI

​Timing in the sandbox

​Related

Before you start

The cards you need most

Cards by brand

Co-branded cards

Cards by country

Declined payments

Invalid card details

3D Secure authentication

Challenge screens

Subscriptions and saved cards

Fraud checks

Captcha challenge

Disputes

Refunds

Wallets

Apple Pay and Google Pay

Link

Amazon Pay, Kakao Pay and Naver Pay

SEPA Direct Debit

UPI

Timing in the sandbox

Related