# NMI test cards

> Test card numbers, bank accounts and other details for NMI's sandbox, and the result each one gives.

Use these details to try payments in an NMI 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.

NMI sandbox accounts are available through NMI's developer site, guide.nmi.com. An NMI account can also be switched into test mode, where NMI approves every valid card without charging it. Declines are triggered by the payment amount.

:::note[Where these details come from]
These are NMI's test details, not ours. They were copied from NMI's [Testing Methods](https://docs.nmi.com/reference/testing-methods) page on 19 October 2026, and were correct on that date as far as that page shows. NMI can change or withdraw them at any time, and we can't confirm that they work. Check NMI's page for the current details, and ask NMI if one doesn't behave as described.
:::

## How to choose a test result

- Any valid card below is approved, and the amount sets declines: enter an amount below `1.00` at the checkout (for example `0.50`) to be declined. We send the amount to NMI as you type it ([Testing Methods](https://docs.nmi.com/reference/testing-methods)).
- Use an NMI sandbox account rather than an account in test mode: NMI says test mode approves every valid card, so the decline trigger doesn't apply there ([Testing Methods](https://docs.nmi.com/reference/testing-methods)).
- For the address check, switch on **Require address (AVS)** in the NMI connection settings so that checkout asks for a billing address, then enter `888` as the first line of the address and `77777` as the ZIP code. Enter CVC `999` in the checkout's CVC field ([Testing Methods](https://docs.nmi.com/reference/testing-methods)).
- For 3D Secure, switch on **Enable 3DS** and add your NMI public key in the connection settings (see [Connecting NMI](/payment-providers/nmi-connect/)). Checkout then also asks for the customer's name, email and billing address.
- For ACH, switch on **Enable ACH** in the connection settings and on your NMI account.

## Cards

Use the expiry date 10/29, NMI's test expiry date.

### Successful payments

| Card | Number | Notes |
| --- | --- | --- |
| Visa | `4111 1111 1111 1111` | |
| Mastercard | `5431 1111 1111 1111` | |
| American Express | `3411 111111 11111` | |
| Discover | `6011 0009 9130 0009` | |
| Diners Club | `3020 5252 4899 26` | |
| JCB | `3541 9635 9457 2595` | |
| Maestro | `6799 9901 0000 0000 019` | |

### Declines and errors

| Number or trigger | Result |
| --- | --- |
| Amount less than 1.00 | Declined |

### 3D Secure

These are for NMI sandbox accounts. NMI's [3D Secure testing page](https://docs.nmi.com/docs/testing) lists a different set of cards for accounts in test mode.

| Number | Result |
| --- | --- |
| `4111 1111 1111 1111` (Visa), `5431 1111 1111 1111` (Mastercard), `3411 111111 11111` (American Express) | Not enrolled: no authentication takes place |
| `4100 0000 0000 0100` (Visa) | No challenge: authenticated |
| `5100 0000 0000 0107` (Mastercard) | No challenge: authenticated |
| `3400 000000 00108` (American Express) | No challenge: authenticated |
| `6440 0000 0000 0104` (Discover) | No challenge: authenticated |
| `4100 0000 0000 5000` (Visa) | Challenge: enter `12345` to pass, any other code to fail, or close the challenge to cancel |
| `5100 0000 0000 5007` (Mastercard) | Challenge: enter `12345` to pass, any other code to fail, or close the challenge to cancel |
| `3400 000000 05008` (American Express) | Challenge: enter `12345` to pass, any other code to fail, or close the challenge to cancel |
| `6440 0000 0000 5004` (Discover) | Challenge: enter `12345` to pass, any other code to fail, or close the challenge to cancel |

### Address and CVC checks

| Value | Result |
| --- | --- |
| Address line 1 `888` and ZIP code `77777` | Address check matches |
| CVC `999` | CVC matches |

## ACH (US bank accounts)

| Routing number | Account number | Result |
| --- | --- | --- |
| `490000018` | `24413815` | NMI's test bank account. NMI doesn't list ACH decline or return triggers |
| `123123123` | `123123123` (savings) | Approved. Used in our own tests |