ACI Speedpay test cards

Use these details to try payments in an ACI Speedpay 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.

ACI doesn’t publish test details for Speedpay. Ask ACI for test cards and bank accounts when it supplies the API credentials for your sandbox connection.

Where these details come from

These are the test details our own tests use with ACI Speedpay’s sandbox, as of 19 October 2026. ACI can change its sandbox at any time, and we can’t confirm that they work in your sandbox account. Ask ACI for the current details.

How to choose a test result

• ACI decides which test cards and bank accounts give which result, and the details it gives can depend on how your Speedpay account is set up. Use the details ACI gives you for your sandbox account.
• The checkout offers cards only when Enable Cards is switched on in the ACI Speedpay connection here, and bank payments (ACH) only when Enable ACH is switched on.
• Enter the customer’s first and last name in the checkout: we ask for both on every ACI Speedpay payment.
• Our own tests cover ACH payments only, so this page has no test cards. Ask ACI for them.

ACH (US bank accounts)

Routing number	Account number	Result
011401533	987654321 (savings)	Approved. Used in our own tests.