Fortis test cards

Use these details to try payments in a Fortis sandbox (test) account. They work only in the sandbox: never use them in live, and never put real card or bank details into a sandbox.

Card declines and errors are triggered by the payment amount, and address and CVC results by the address and CVC you enter.

Use the expiry date 12/27, which Fortis gives for every card, and CVC 999 (1234 for American Express), which Fortis lists as a matching CVC. Fortis doesn’t list Diners Club or JCB test cards.

Card Number Notes
Visa 4111 1111 1111 1111
Visa 4012 8888 8888 1881
Visa (corporate or purchasing) 4005 5622 3121 2149
Mastercard 5454 5454 5454 5454
Mastercard (corporate or purchasing) 5405 2222 2222 2226
American Express 3714 496353 98431 Four-digit CVC
Discover 6011 0009 9550 0000

Use any test card above with these amounts. Fortis lists more amounts on its testing page.

Number or trigger Result
Amount 5.00 Declined (DENY)
Amount 5.10 Declined: call the issuer (CALL)
Amount 5.20 Declined: pick up card (PKUP)
Amount 5.30 Declined: retry (RETRY)
Amount 6.01 Declined: generic failure (GENERICFAIL)
Amount 6.06 Declined: pick up card, lost (PICKUP_LOST)
Amount 6.07 Declined: pick up card, stolen (PICKUP_STOLEN)
Amount 6.13 Declined: CVC error (CID_ERROR)
Amount 6.15 Declined: do not honour (DO NOT HONOR)
Amount 6.16 Declined: insufficient funds (INSUFFICIENT_FUNDS)
Amount 6.22 Declined: card expired (CARD_EXPIRED)
Amount 6.25 Declined: card not permitted (NOT_PERMITTED_CARD)
Amount 6.27 Error: system error (SYSTEM_ERROR)
Amount 6.31 Declined: account closed (ACCOUNT_CLOSED)
Amount 2.01 Partial approval: only $1.00 approved (PARTIAL_AUTH)
Amount 9.05 Approved when authorised, then declined when captured
Amount from 8.00 to 8.99 The response is delayed by the number of cents in seconds (for example, 8.30 waits 30 seconds)

If you don’t send an address or CVC, that check fails but the payment isn’t declined.

Value Result
Street 5800 NW 39th AVE, ZIP code 32606 Address check matches
Street 2831 NW 41st St STE J, ZIP code 32615 Address check fails, and the payment is declined
Any other address Address check fails, but the payment isn’t declined
CVC 999 (1234 for American Express) CVC matches
CVC 123 (9999 for American Express) CVC doesn’t match, but the payment isn’t declined
CVC 124 (9998 for American Express) CVC not processed. Declined if auto_decline_cvv is turned on. Our own tests with Fortis’s sandbox use CVC 124 to get a decline
CVC 125 (9997 for American Express) CVC not on card or illegible. Declined if auto_decline_cvv is turned on
CVC 126 (9996 for American Express) Issuer doesn’t take part in CVC checks. Declined if auto_decline_cvv is turned on

ACH payments aren’t approved in real time like cards: Fortis says a failure takes 1 to 4 business days to come back. Fortis doesn’t list ACH return triggers.

Routing number Account number Result
Any valid US routing number, for example 072000326 (Chase Bank) Any number of 4 to 17 digits Accepted
021000021 123123123 (savings) Accepted. Used in our own tests