Official Test Credit Card Numbers Hub | Legal Testing for Developers – 2025 Edition

Official Test Cards Hub 2025

Official Test Credit Card Numbers for Payment Testing

Curated list of official test cards from major gateways. For sandbox and development use only. Always check provider docs for updates (as of November 27, 2025).

🚨 Critical Legal Warnings & Disclaimers

Using test credit card numbers is legal only in designated testing environments like sandbox modes. Misuse can lead to severe consequences.

Prohibited Uses: Never use test cards for real transactions, fraud, or unauthorized testing. This violates terms of service and laws like 18 U.S.C. § 1344 (bank fraud) in the US, with penalties including fines up to $1M and 30+ years imprisonment.
PCI Compliance: Do not log or store test numbers in production code – it risks PCI DSS violations and fines up to $500K per incident. Use PaymentMethod objects (e.g., Stripe’s pm_card_visa) instead of raw numbers.
Fraud Prevention: Test cards help simulate carding attacks but must not enable them. Report suspicious activity to your processor.
International Note: Laws vary; in EU (PSD2), misuse triggers GDPR fines. Always consult legal counsel for compliance.
Our Policy: This hub provides info for educational/dev purposes only. No liability for misuse. Verify with official docs.

Sources: Official gateway docs & legal guides (2025).

Stripe Test Cards

Stripe’s official test numbers simulate success, declines, 3DS, and more. Use in test mode only.

Scenario	Brand	Number	Notes
Success	Visa	4242 4242 4242 4242	Any future expiry/CVV
Decline (Funds)	Visa	4000 0000 0000 0002	Insufficient funds
Fraud/3DS	Visa	4000 0000 0000 0010	Triggers auth
Success	Mastercard	5555 5555 5555 4444	Any expiry/CVV
Success	Amex	3782 8224 6310 005	Charge card
Success	Discover	6011 1111 1111 1117	Full details req.
High Value	Visa	4000 0566 5566 5555	$250 limit
Expired	Visa	4000 0000 0000 0069	Declines as expired
Country-Specific (EU)	Visa	4000 0000 0000 0253	EU SCA test

Tip: For non-card (e.g., ACH), use bank: 000123456789.

PayPal Sandbox Test Cards

PayPal provides test accounts and cards for sandbox. Use personal sandbox email for PayPal tests.

Brand	Number	Notes
Visa	4111 1111 1111 1111	Success
Mastercard	5111 1111 1111 1111	Success
Amex	3782 3456 7890 123	Success
Diners	3056 9300 0900 0904	Success
Decline	4000 0000 0000 0002	Generic decline

Tip: Create sandbox accounts at developer.paypal.com.

Braintree Test Cards

Braintree (PayPal-owned) requires specific nonces and numbers for sandbox.

Scenario	Number	Notes
Success	4111 1111 1111 1111	Visa success
Decline	4000 0015 0000 0003	CVV decline
Fraud	fake-gateway-rejected-fraud-nonce	Use nonce
3DS	4000 0000 0000 0251	Auth required
Processor Decline	2000 0000 0000 0004	Gateway reject

Tip: Use nonces like fake-valid-nonce for API tests.

Adyen Test Cards

Adyen’s test numbers cover global scenarios; generate via API for customs.

Brand	Number	Notes
Visa	4111 1111 1111 1111	Success
Mastercard	5555 5555 5555 4444	Success
Amex	3714 4963 5398 431	Success
Decline	4000 0000 0000 0002	Refused
3DS	5555 5555 5555 0045	Auth challenge

Tip: Use Chrome extension for quick fill.

Square Test Cards

Square’s sandbox cards for POS and e-comm testing.

Scenario	Number	Notes
Success	4532 1457 0198 1234	Visa success
Decline	4000 1160 0000 0003	Card declined
AVS Fail	4000 0000 0000 0004	Address mismatch
High Risk	4000 0027 6000 3184	Triggers review

Tip: Expiry: Any future date; CVV: 123.

FAQ: Test Card Best Practices

When should I use official test cards? ▼

Exclusively in sandbox/dev environments to simulate flows without real charges. Ideal for QA, integration, and compliance testing.

What if a test card fails in production? ▼

Test cards are blocked in live mode. Switch to real cards for go-live; use PCI-compliant tokenization.

How to stay PCI compliant? ▼

Avoid hardcoding numbers; use API objects. Encrypt transmissions; audit logs quarterly.

Alternatives to test cards? ▼

Virtual cards (e.g., Privacy.com) for semi-live testing, or gateway simulators.

Fake Credit Card Generator for Testing: 100% Free, Secure & Client-Side Tool (2025)

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Developer testing Stripe payment form with fake credit card number 4242424242424242 – success screen

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Every valid credit card number passes the Luhn algorithm (also called mod-10). Here’s how our generator does it:

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Learn more: Wikipedia – Luhn Algorithm

Best Test Cards for Popular Payment Gateways

Popular test numbers (also generated by our tool):

Visa: 4242 4242 4242 4242 → Works everywhere
Mastercard: 5555 5555 5555 4444
Amex: 3782 822463 10005
Declined card: 4000 0000 0000 0002 (Stripe)

Full list → Stripe Testing Cards | PayPal Sandbox Cards

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Also check our other free developer tools:

Mentioned on: GitHub Discussions • dev.to • Product Hunt