# 

Use these in development and sandbox.
**Never send a real card number to a non-production environment**, and never send
one of these to production.

## Test cards

All of them use expiry **12/28**. Any cardholder name works.

| Brand | Number | CVV |
|  --- | --- | --- |
| Visa | `4012000098765439` | `999` |
| Visa | `4012881888818888` | `999` |
| Mastercard | `5146315000000055` | `998` |
| Mastercard, keyed | `5146312620000045` | `998` |
| Mastercard 2-series | `2223000048400011` | `998` |
| American Express | `371449635392376` | `9997` |
| Discover | `6011000993026909` | `996` |
| Discover CUP | `6282000123842342` | `996` |
| Discover CUP | `6221261111112650` | `996` |
| Diners | `3055155515160018` | `996` |
| JCB | `3530142019945859` | `996` |


American Express uses a four-digit CID; the rest use a three-digit CVV.

## Testing AVS and CVV

To get both an AVS and a CVV result back, send this combination:

| Field | Value |
|  --- | --- |
| `pan` | `4012000098765439` |
| `expiry` | `{ "month": 12, "year": 2028 }` |
| `cvv` | `999` |
| `billing_address.line1` | `8320` |
| `billing_address.postal_code` | `85284` |


The response carries `avs_result_code`, `avs_response` and `cvv_result_code`. See
[AVS and CVV](/docs/concepts/avs-and-cvv) for what each code means.

## Test bank accounts

ACH testing uses the processor's own test environment. `021000021` is a valid
test routing number; the account numbers that pair with it are issued per
merchant rather than published, so ask your implementation contact for the set
attached to your account.

## No card number causes a decline

There is no decline-triggering PAN. Declines come from the issuer's test system
and depend on the processor configuration behind your merchant account, not on
which test number you pick.

To exercise decline handling against this documentation's mock, send the header
`x-redocly-response-body-example: saleDeclined`. See
[Environments and test data](/docs/get-started/environments).

## Next steps

* [Quickstart](/docs/get-started/quickstart)
* [Handle declines](/docs/payments/handle-declines)
* [AVS and CVV](/docs/concepts/avs-and-cvv)