BS Payone test cards

Use these details to try payments in a BS Payone 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.

Some results are set by the payment amount rather than the card. Cards, PayPal and SEPA must each be enabled in the BS Payone connection before you can test them.

Where these details come from

These are PAYONE’s test details, not ours. They were copied from PAYONE’s 3D-Secure, PAYONE Direct Debit, Bank Account Check and PayPal pages on 19 October 2026, and were correct on that date as far as those pages show. PAYONE can change or withdraw them at any time, and we can’t confirm that they work. Check PAYONE’s pages for the current details, and ask PAYONE if one doesn’t behave as described.

How to choose a test result

• Switch on Enable cards, Enable PayPal or Enable SEPA in the BS Payone connection for each method you want to test.
• For cards, the card number sets the result, and some amounts force an error with any card (3D-Secure). Enter the amount as you would normally, for example 100.51: we convert it to cents (10051) for PAYONE.
• The billing country matters if PAYONE’s BIN country check is on: 4111 1111 1111 1111 is only accepted for Germany. We send the billing country entered at checkout, or Germany if there isn’t one.
• For SEPA, the IBAN sets the result (PAYONE Direct Debit). Type IBANs without spaces. The checkout checks IBANs, but lets PAYONE’s test IBANs below through even where their check digits are wrong, as long as they start with a capital DE and have no spaces.
• For PayPal, pay with a buyer account from your own PayPal sandbox (PayPal).

Cards

Use any future expiry date and any three-digit CVC (four digits for American Express).

Successful payments

These cards are approved without 3D Secure.

Card	Number	Notes
Visa	4111 1111 1111 1111	If PAYONE’s BIN country check is on, only accepted for Germany
Mastercard	5500 0000 0000 0004
American Express	3400 000000 00009	CVC must be four digits, for example 1234
JCB	3528 0000 0000 0007
Diners Club	3000 0000 0000 04
Discover	6011 1111 1111 1117

Our own card tests with PAYONE’s sandbox don’t currently pass: a payment with 4111 1111 1111 1111 returns “Successful 3D Secure authentication required” instead of an approval. We can’t confirm that these cards are approved without 3D Secure here.

PAYONE’s only Maestro test card is for 3D Secure 1, which it no longer accepts, so there’s no Maestro card to test with. PAYONE lists more cards on its 3D-Secure page.

Declines and errors

Number or trigger	Result
4301 1111 0000 0200	Declined: authorisation declined (error 2)
4301 1111 0000 0705	Declined: CVC missing or invalid (error 7)
4301 1111 0000 1307	Declined: limit exceeded (error 13)
4301 1111 0000 1406	Declined: invalid card (error 14)
4301 1111 0000 4301	Declined: stolen card (error 43)
4222 2222 0000 5100	Declined: limit exceeded or insufficient funds (error 51)
4222 2222 0000 6108	Declined: card blocked (error 61)
4301 1111 0000 0101	Declined: card issuer temporarily not available (error 1)
4301 1111 0007 0104	Declined: rejected by PAYONE’s BIN check (error 701)
Amount 100.51, any card	Error: limit exceeded or insufficient funds (error 51)
Amount 100.61, any card	Error: card blocked (error 61)
Amount 100.65, any card	Error: card used too often (error 65)
Amount 109.02, any card	Error: unknown error at an external service provider (error 902)

PAYONE lists these amounts in cents (10051 is 100.51) and asks you not to use other amounts for these tests, as the result can’t be guaranteed.

3D Secure

Use any future expiry date and any three-digit CVC (four digits for American Express). When you’re challenged, the password is 12345.

Number	Result
4716 9719 4035 3559 (Visa)	Challenge: password 12345 succeeds. Anything else fails
5404 1277 2073 9582 (Mastercard)	Challenge: password 12345 succeeds. Anything else fails
3751 447260 36141 (American Express)	Challenge: password 12345 succeeds. Anything else fails
4532 9934 6219 1243 (Visa)	Frictionless: approved
5227 2481 8991 5672 (Mastercard)	Frictionless: approved
3431 112167 81956 (American Express)	Frictionless: approved
4499 5100 9639 2186 (Visa)	Frictionless: declined
5535 3437 7324 2596 (Mastercard)	Frictionless: declined
3743 094044 65067 (American Express)	Frictionless: declined

SEPA Direct Debit

Enter just the IBAN, without spaces: in test mode PAYONE adds the BIC (TESTTEST) itself. PAYONE’s test IBANs aren’t valid in live mode, and PAYONE says some deliberately have the wrong check digits. The checkout normally rejects an IBAN with wrong check digits, but it accepts all of PAYONE’s test IBANs below, so you can use them here. Type them without spaces and with a capital DE, or the checkout rejects the returned-debit IBANs.

IBAN	Result
DE85 1234 5678 2599 1000 03 (Germany)	Collected
AT96 3500 0001 2345 6789 (Austria)	Collected
GB33 BUKB 2020 1555 5555 55 (UK)	Accepted. Used in our own tests
DE70 1203 0000 0111 1111 12	Returned: insufficient funds
DE70 1203 0000 0111 1111 13	Returned: the payer objects to the direct debit
DE70 1203 0000 0111 1111 14	Returned: account expired
DE70 1203 0000 0111 1111 15	Returned: account number or name doesn’t match, is incorrect, or is a savings account
DE70 1203 0000 0111 1111 16	Returned: no direct debit
DE70 1203 0000 0111 1111 17	Returned: the payer recalls the direct debit
DE70 1203 0000 0111 1111 18	Returned: the executing bank returns the direct debit

If you want to test SEPA from start to finish rather than a particular result, PAYONE says any correctly formatted IBAN will do.

PayPal

PAYONE doesn’t publish fixed PayPal test details. Create your own buyer test accounts in a PayPal sandbox at developer.paypal.com, and pay with one of them at checkout. For end-to-end tests you also need a PayPal sandbox merchant account, which PAYONE’s Merchant Service adds to your PAYONE account on request.