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.

Where these details come from

These are Fortis’s test details, not ours. They were copied from Fortis’s Test Data page on 19 October 2026, and were correct on that date as far as that page shows. Fortis can change or withdraw them at any time, and we can’t confirm that they work. Check Fortis’s page for the current details, and ask Fortis if one doesn’t behave as described.

How to choose a test result

• The amount sets card declines and errors (Test Data). Enter it at the checkout as shown in the table, for example 6.16.
• The street and ZIP code set the address check result. Set Address Validation in the Fortis connection settings to Enabled, so that the checkout asks for the street and ZIP code; Zip Only asks for the ZIP code only, and with Disabled the checkout doesn’t ask for an address, so the address triggers can’t be used. With Enabled or Zip Only, we ask Fortis to decline a payment whose address check fails, so use the matching address for payments you want approved.
• The CVC sets the CVC check result: enter it in the checkout’s CVC field. For payments the customer makes online with a CVC, we switch on Fortis’s auto_decline_cvv, so the CVC values marked “Declined if auto_decline_cvv is turned on” decline. We switch it off for payments staff take over the phone and for payments with a saved card.
• For ACH, choose your Fortis ACH product under Transaction Service - ACH in the Fortis connection settings (it’s Disabled until you do).

Cards

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.

Successful payments

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

Declines and errors

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)

Address and CVC checks

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 (US bank accounts)

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