Test mode data

A quick overview of all test mode data for transfers scenarios.

The test data on this page can be used in test mode to simulate various transfer scenarios. For more thorough instructions, visit our main test mode guide or our Dashboard test mode guide.

Link cards & card acceptance

Card brand	Test card number	CVV	Postal code	Expiration date
Visa	`4111111111111111`	Any 3 numbers	Any 5 numbers	Any future date
Mastercard	`5555555555554444`	Any 3 numbers	Any 5 numbers	Any future date
Discover	`6011111111111117`	Any 3 numbers	Any 5 numbers	Any future date
American Express	`371111111111114`	Any 4 numbers	Any 5 numbers	Any future date

See the postal and CVV sections below for additional test verification scenarios. Also note that test cards will expire once your chosen expiration date passes.

Postal code verification

Card brand	Verification result	Postal code
All card brands	`match`	11111
All card brands	`noMatch`	22222
Visa, Discover	`notChecked`	88888
All card brands	`unavailable`	99999

CVV verification

Card brand	Verification result	CVV code
Visa, Mastercard, Discover	`match`	111
American Express	`match`	1111
Visa, Mastercard, Discover	`noMatch`	222
American Express	`noMatch`	2222
Visa, Mastercard, Discover	`notChecked`	888
American Express	`notChecked`	8888
Visa, Mastercard, Discover	`unavailable`	999
American Express	`unavailable`	9999

Push & pull from card

Card brand	Completed transfer	Failed transfer
Visa	`4111100010002000`	`4111100050007000`
Mastercard	`5200828282828210`	`5200821111111114`

Declined card transfers

Card brand	Test card number	CVV
Visa	`4000020000000000`	Any 3 numbers
Mastercard	`5555000022220022`	Any 3 numbers
Discover	`6011000022220002`	Any 3 numbers
American Express	`3711000022220002`	Any 4 numbers

RTP failures

Transfer amount	Failure type
$72.03	`AC03` / invalid-account
$72.04	`AC04` / account-closed
$72.06	`AC06` / account-blocked

ACH returns

Trigger Amount	Return Code	Description	Simulation Stage
$55.01	`R01`	Insufficient Funds	Debit originated, not completed
$55.02	`R02`	Account Closed	Debit originated, not completed
$55.03	`R03`	No Account / Unable to Locate	Credit completed
$55.04	`R04`	Invalid Account Number Structure	Credit completed
$55.07	`R07`	Authorization Revoked by Customer	Debit completed
$55.08	`R08`	Payment Stopped	Debit completed
$55.09	`R09`	Uncollected Funds	Debit originated, not completed
$55.10	`R10`	Customer Not Authorized	Debit completed
$55.11	`R11`	Entry Not in Accordance with Terms	Debit originated, not completed
$55.15	`R15`	Account Holder Deceased	Debit originated, not completed
$55.16	`R16`	Account Frozen	Debit originated, not completed
$55.20	`R20`	Non-Transaction Account	Debit originated, not completed
$55.24	`R24`	Duplicate Entry	Debit originated, not completed
$55.29	`R29`	Corporate Customer Not Authorized	Debit originated, not completed

Disputes

Card brand	Test card number	Phase	Reason code
Visa	`4000200020002000`	Chargeback	10.4
Visa - Pull from card	`4111100010003008`	Chargeback	10.4
Mastercard	`5555444400004444`	Chargeback	4860
Mastercard - Pull from card	`5555555555553339`	Chargeback	4860
Discover	`6011222222220000`	Chargeback	05
American Express	`371010002000123`	Chargeback	F29
American Express	`372020002000188`	Inquiry	21

Dispute evidence

Text evidence	Phase	Outcome
`winning-evidence`	`chargeback`	Dispute will enter an `under-review` status for 10 minutes before updating to `status: won`. The chargeback is reversed and funds are credited to the merchant.
`winning-evidence`	`inquiry`	Dispute will enter an `under-review` status for 10 minutes before updating to`status: closed`.
`losing-evidence`	`chargeback`	Dispute will enter an `under-review` status for 10 minutes before updating to `status: lost`.
`losing-evidence`	`inquiry`	Dispute will enter an `under-review` status for 10 minutes before updating to `status: response-needed`.

Bank accounts

Requires a valid routing number. Example: 322271627

The account number can be any number. Example: 12345654321

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