Fat Zebra test cards

Use these details to try payments in a Fat Zebra 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.

You need a Fat Zebra sandbox account first: see Fat Zebra sandbox credentials. The shared test credentials on that page can’t use 3D Secure, so the 3D Secure cards below need your own sandbox account with 3D Secure turned on.

Where these details come from

These are Fat Zebra’s test details, not ours. They were copied from Fat Zebra’s Test Card Numbers, 3DS Cards for Testing and Response Codes pages on 19 October 2026, and were correct on that date as far as those pages show. Fat Zebra can change or withdraw them at any time, and we can’t confirm that they work. Check Fat Zebra’s pages for the current details, and ask Fat Zebra if one doesn’t behave as described.

How to choose a test result

• Some cards always give the same result, whatever the amount (Test Card Numbers).
• With the other cards, the last two digits of the amount set Fat Zebra’s response code (Test Card Numbers). We send the amount to Fat Zebra in cents, so enter the amount in the checkout as usual: 50.05 gives response code 05.
• The 3D Secure cards set the authentication result (3DS Cards for Testing). They need your own sandbox account with 3D Secure turned on by Fat Zebra, and Enable 3DS ticked in the Fat Zebra connection here.

Cards

Fat Zebra says to use only its test card numbers in the sandbox: real card numbers won’t be processed. Its testing page doesn’t say which expiry date or CVC to use. Our own tests with Fat Zebra’s sandbox use the expiry 12/30 and CVC 123.

Successful payments

Card	Number	Notes
Visa	4005 5500 0000 0001	Always approved
Mastercard	5123 4567 8901 2346	Always approved
American Express	3456 789012 34564	Always approved
JCB	3530 1113 3330 0000	Always approved
China UnionPay	6250 9460 0000 0016	Always approved
Discover	6011 1111 1111 1117	Result set by the amount: use an amount ending in .00 to approve
Diners Club	3670 010200 0000	Result set by the amount: use an amount ending in .00 to approve

Declines and errors

These cards are always declined:

Number or trigger	Result
Visa 4557 0123 4567 8902	Declined (05)
Mastercard 5313 5810 0012 3430	Declined (05)
American Express 3714 496353 98431	Declined (05)
JCB 3566 0020 2036 0505	Declined (05)
China UnionPay 6250 9470 0000 0014	Declined (05)

Our own tests with Fat Zebra’s sandbox also find that a card with a past expiry date is rejected when the card is saved (they use 4111 1111 1111 1111 with 01/20).

With the cards below, the last two digits of the amount set Fat Zebra’s response code. For example, AUD 50.09 gives response code 09.

Card	Number
Visa	4242 4242 4242 4242
Visa	4111 1111 1111 1111
Mastercard	5555 5555 5555 4444
Mastercard	2221 0012 3456 7896
American Express	3700 000000 00002
China UnionPay	6222 8212 3456 0017
Discover	6011 3325 6061 8887
Diners Club	3670 010200 0000

Amount ends in	Result
.00	Approved
.05	Declined: do not honour
.09	Declined: acquirer busy
.14	Declined: invalid card number
.51	Declined: insufficient funds
.54	Declined: expired card
.82	Declined: CVV validation error
.91	Declined: card issuer unavailable
.96	Declined: system error

Fat Zebra lists every response code on its Response Codes page.

3D Secure

Number	Result
Visa 4000 0000 0000 1000 Mastercard 5200 0000 0000 1005 American Express 3400 000000 01007	Frictionless, authenticated (liability shift)
Visa 4000 0000 0000 1026 Mastercard 5200 0000 0000 1021 American Express 3400 000000 01023	Frictionless, authentication attempted: issuer not taking part (liability shift)
Visa 4000 0000 0000 1091 Mastercard 5200 0000 0000 1096 American Express 3400 000000 01098	Challenge, then authenticated (liability shift)
Visa 4000 0000 0000 1109 Mastercard 5200 0000 0000 1104 American Express 3400 000000 01106	Challenge, then failed (error 006)
Visa 4000 0000 0000 1018 Mastercard 5200 0000 0000 1013 American Express 3400 000000 01015	Frictionless, failed (error 004)
Visa 4000 0000 0000 1042 Mastercard 5200 0000 0000 1047 American Express 3400 000000 01049	Frictionless, rejected by the issuer (error 005)
Visa 4000 0000 0000 1034 Mastercard 5200 0000 0000 1039 American Express 3400 000000 01031	Authentication unavailable from the issuer (error 003)
Visa 4000 0000 0000 2446 Mastercard 5200 0000 0000 2037 American Express 3400 000000 02732	Enrolment check failed (error 002)
Visa 4000 0000 0000 1117 Mastercard 5200 0000 0000 1112 American Express 3400 000000 01114	Card enrolled, but challenge unavailable from the issuer (error 007)
Visa 4000 0000 0000 1067 Mastercard 5200 0000 0000 1062 American Express 3400 000000 01064	Server error (no error code)
Visa 4000 0000 0000 1075 Mastercard 5200 0000 0000 1070 American Express 3400 000000 01072	Timeout (no error code)

None of the failed results give a liability shift. Fat Zebra lists more scenarios on its 3DS Cards for Testing page.

Apple Pay and Google Pay

We take Apple Pay and Google Pay as network tokens, through our own wallet integration rather than Fat Zebra’s. To test them, see Testing Apple Pay and Google Pay.