Moneris test cards

Use these details to try payments in a Moneris 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.

Moneris’ test environment approves or declines a payment mostly by the cents part of the amount: for example, 1.00 or 9.00 is approved because the cents are .00. Moneris says test payments must not be over 11.00, although its simulator pages give some results for larger amounts, shown below. Other merchants share the test environment, so you may see payments you didn’t make.

Where these details come from

These are Moneris’ test details, not ours. They were copied from Moneris’ Testing a Solution, Penny Value Simulator, CVD & AVS (E-Fraud) Simulator and Testing 3-D Secure (MPI) Solutions pages on 19 October 2026, and were correct on that date as far as those pages show. Moneris can change or withdraw them at any time, and we can’t confirm that they work. Check Moneris’ pages for the current details, and ask Moneris if one doesn’t behave as described.

Rows marked “Used in our own tests” aren’t on Moneris’ pages: they are values that our own tests use with Moneris’ test environment, as of 19 October 2026.

How to choose a test result

• For most cards, the cents of the amount set the result; a few Visa cards always decline (Testing a Solution, Penny Value Simulator). Enter the amount in dollars and cents as usual, for example 1.00 to approve or 1.05 to decline a Visa payment, and keep it at 11.00 or less. We send Moneris the amount exactly as entered.
• For 3D Secure, switch on Enable 3D Secure in the Moneris connection settings here (Connecting Moneris), use the cards Moneris lists for use after 11 February 2026 (Testing 3-D Secure (MPI) Solutions), and pay online through the checkout: we don’t use 3D Secure for phone (MOTO) or recurring payments. The amount still sets the result after authentication, so use one ending in .00.
• We go ahead with a payment only when 3D Secure authentication succeeds, with or without a challenge. We decline every other 3D Secure result, including “attempted” and “unavailable”, with “3DS Authentication failed”, without asking Moneris to authorise the payment.
• The address (AVS) and CVC results can’t be tried here. Moneris’ simulator needs its shared test store store5 (CVD & AVS (E-Fraud) Simulator), and we don’t send the address to Moneris for an AVS check or act on the AVS or CVC result. Requires address (AVS) in the connection settings only makes the checkout ask for the billing address. Here, the simulator amounts show only whether the payment is approved or declined.

Cards

Moneris’ page doesn’t set an expiry date or CVC for these cards.

Successful payments

Use an amount ending in .00, for example 1.00.

Card	Number	Notes
Visa	4242 4242 4242 4242
Visa	4530 9100 0001 2345	Used in our own tests, including saving the card and paying with it later
Mastercard	5454 5454 5454 5454
Mastercard	2222 4000 4124 0011	2-series number
American Express	3735 990050 95005	Any even amount (.00) except 5.00
Discover	6011 0009 9292 7602
JCB	3566 0077 7001 5365

Declines and errors

For Visa, the cents of any amount from 0.00 to 9.99 set the result; for Mastercard, amounts from 0.00 to 9.00. American Express needs the exact amount shown. Moneris says the result for an amount it doesn’t list is unpredictable, and lists more amounts on its Penny Value Simulator page.

Number or trigger	Result
Visa, amount ending .05 (for example 1.05)	Declined
Visa, amount ending .51	Declined: low funds
Visa, amount ending .54	Declined: expired card
Visa, amount ending .41	Declined: lost card
Visa, amount ending .43	Declined: stolen card
Visa, amount ending .57	Declined: transaction not permitted to cardholder
Visa, amount ending .01	Call for authorisation (referral)
Visa, amount ending .09	Declined: system problem, retry
Visa, amount from 51.00 to 60.00	Declined: hold, call or capture card
Visa, amount from 120.00 to 130.00	Declined: expired card
Mastercard, amount ending .05	Declined: do not honour
Mastercard, amount ending .14	Declined: invalid card number
Mastercard, amount ending .41	Declined: lost card
American Express, amount 5.00	Declined
American Express, amount 5.07	Referred: call American Express
4355 3100 0257 6375	Visa. Always declined (ISO code 54, expired card)
4485 6215 4490 3528	Visa. Always declined (ISO code 51, low funds)
4716 0912 4322 7333	Visa. Always declined (ISO code 62, restricted)

3D Secure

These are the card numbers Moneris lists for use after 11 February 2026.

Number	Result
4000 0000 0000 2701	Visa. Frictionless: authenticated
5200 0000 0000 2235	Mastercard. Frictionless: authenticated
3400 000000 02708	American Express. Frictionless: authenticated
4000 0000 0000 2925	Visa. Frictionless: authentication failed
4000 0000 0000 2719	Visa. Frictionless: authentication attempted (stand-in)
4000 0000 0000 2313	Visa. Frictionless: authentication unavailable from the issuer
4000 0000 0000 2537	Visa. Frictionless: rejected by the issuer; Moneris says the payment must not go ahead
4000 0000 0000 2990	Visa. Authentication not available on lookup
4000 0000 0000 2503	Visa. Challenge, then authenticated
5200 0000 0000 2151	Mastercard. Challenge, then authenticated
3400 000000 02534	American Express. Challenge, then authenticated
4000 0000 0000 2370	Visa. Challenge, then authentication failed; Moneris says the payment must not go ahead
5200 0000 0000 2490	Mastercard. Challenge, then authentication failed
4000 0000 0000 2420	Visa. Challenge unavailable

Address and CVC checks

Moneris says the address (AVS) and CVC simulator works only with its shared test store store5, with Visa card 4242 4242 4242 4242 (or American Express card 3739 531923 51004), and with an amount that begins with 10.

Here, only the approved or declined result applies: we don’t send the address for an AVS check and don’t act on the AVS or CVC result.

Value	Result
Amount 10.13	Approved. AVS Y, CVC M (match)
Amount 10.10	Approved. AVS A, CVC M
Amount 10.18	Approved. AVS Z, CVC M
Amount 10.17	Approved. AVS N (no match), CVC M
Amount 10.24	Declined. AVS Y, CVC M
Amount 10.32	Approved. AVS Y, CVC N (no match)
Amount 10.35	Declined. AVS Y, CVC N
Amount 10.30	Approved. AVS Y, CVC P (not processed)