Testing

On this page, you will learn about how you can test your integration using our API before going live.

Basic test card numbers

Use any of the following test card numbers with a valid expiration date in the future and any random CVC number to create a successful payment.

Card Number

Brand

CVC

Expiration Date

4343434343434345

Visa

Any 3 digits

Any future date

4571736000000075

Visa (debit)

Any 3 digits

Any future date

4009930000001421

Visa (credit - PH)

Any 3 digits

Any future date

4404520000001439

Visa (debit - PH)

Any 3 digits

Any future date

5555444444444457

Mastercard

Any 3 digits

Any future date

5455590000000009

Mastercard (debit)

Any 3 digits

Any future date

5339080000000003

Mastercard (prepaid)

Any 3 digits

Any future date

5240050000001440

Mastercard (credit - PH)

Any 3 digits

Any future date

5577510000001446

Mastercard (debit - PH)

Any 3 digits

Any future date

3D Secure Test Card Numbers

These are test credit card numbers for PaymentIntents API. Tokens API does not support 3DS authentication, therefore these cards will return an error if tokenized.

Card Number

Description

4120000000000007

3DS authentication must be completed for the payment to be marked as paid.

4230000000000004

3DS authentication must be completed but will be declined with generic_decline sub code before authentication. A payment with a failed status will still be created.

5234000000000106

3DS authentication must be completed but will be declined with generic_decline sub code after successful authentication. A payment with a failed status will still be created.

5123000000000001

3DS authentication is supported but not required. The payment will be marked as paid.

Test card numbers with specific scenarios

Test cards below can be used to create payments that return specific error responses. This is useful for testing different errors scenarios. Required length and format for CVC and future dates for expiration dates are required in order to proceed with testing.

Card Number

Description

Suggested action step

4200000000000018

The card used has already expired.

Payment is declined with card_expired sub code.

Request a different card or other form of payment.

4300000000000017

The inputted CVC/CVN is incorrect for the the card number passed.

Payment is declined with cvc_invalid sub code.

Correct the CVC/CVN before re-submitting or request a different card or other form of payment.

4400000000000016
4028220000001457 (credit - PH)

The payment failed to be processed due to unknown reasons.

Payment is declined with generic_decline sub code.

Your customer needs to contact their card issuing bank for further details.

4500000000000015

The payment was blocked by the processor as they suspect it to be fraudulent.

Payment is declined with fraudulent sub code.

We highly recommend to NOT expose the code and detail of this sub code to your customers. Instead, inform them as you would with a generic decline error.

5100000000000198
5240460000001466 (credit - PH)

The card does not have sufficient funds to complete the transaction.

Payment is declined with insufficient_funds sub code.

Request a different card or other form of payment.

5200000000000197

The transaction was blocked by the processor as they suspect it to be fraudulent.

Payment is declined with processor_blocked sub code.

We highly recommend to NOT expose the code and detail of this sub code to your customers. Instead, inform them as you would with a generic decline error.

5300000000000196
5483530000001462 (credit - PH)

The card used is reported lost.

Payment is declined with lost_card sub code.

We highly recommend to NOT expose the code and detail of this sub code to your customers. Instead, inform them as you would with a generic decline error.

5400000000000195

The card used is reported stolen.

Payment is declined with stolen_card sub code.

We highly recommend to NOT expose the code and detail of this sub code to your customers. Instead, inform them as you would with a generic decline error.

5500000000000194

The processing of the card failed due to unknown reason.

Payment is declined with processor_unavailable sub code.

Wait for a few minutes before re-trying the transaction. Else, request a different card or other form of payment.

4600000000000014

The transaction is blocked by PayMongo's fraud detection engine.

Payment is declined with blocked sub code.

We highly recommend to NOT expose the code and detail of this sub code to your customers. Instead, inform them as you would with a generic decline error.

Sources

Testing using Sources API will return test checkout URLs. This is a checkout URL provided by PayMongo to simulate successful and failed checkout scenarios.

Webhooks

To receive events when testing webhooks, you must first create one using your test mode API key. You will then receive data that are in test mode via your created webhook. When you are done with the integration, you must create another webhook, but this time using your live mode API key in order to receive live data. If you will retain the test webhook once you go live, you have to make sure that you are checking the data in the proper mode. Another suggestion is to disable the test webhook once you go live.


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