Paysafe test cards

Use these details to try payments in a Paysafe 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.

Paysafe’s default test account takes card payments only, and only some card brands (Paysafe names American Express, Maestro, Mastercard, Visa and Visa Electron). Ask Paysafe Integration Support to enable other brands, and for separate test accounts for ACH and SEPA Direct Debit: one for each method and currency. Paysafe doesn’t publish test bank details for ACH or SEPA: the ACH account below is the one our own tests use.

Where these details come from

These are Paysafe’s test details, not ours. They were copied from Paysafe’s Testing Instructions, Test Cards, Simulating Card Payments, 3D Secure 2 Test Cards, 3D Secure 2 Results and Liability Shift, Simulating AVS Responses and Simulating CVV Responses pages on 19 October 2026, and were correct on that date as far as those pages show. Paysafe can change or withdraw them at any time, and we can’t confirm that they work. Check Paysafe’s pages for the current details, and ask Paysafe if one doesn’t behave as described.

How to choose a test result

• For card payments, the amount sets the result: amounts under 1.00 give the declines and errors below, and 1.00 or more is approved (Simulating Card Payments). Enter the amount as you would normally, for example 0.05: we convert it to cents for Paysafe.
• For 3D Secure, the card number sets the result (3D Secure 2 Test Cards). The checkout runs 3D Secure itself and only sends the payment to Paysafe when the card is authenticated, authentication was attempted, or the card isn’t enrolled. For a failed, rejected or unavailable result, or an error, the checkout stops the payment, so it never reaches Paysafe.
• For address checks, keep Require address (AVS) switched on in the Paysafe connection (it’s on by default), and start billing address line 1 with the number for the result you want (Simulating AVS Responses). Always enter a postcode: in our own tests, a payment without one was declined.
• For CVC checks, enter the CVC for the result you want (Simulating CVV Responses).
• For ACH or SEPA, switch on Enable ACH or Enable SEPA in the Paysafe connection and enter the account ID of the separate Paysafe test account for that method (Testing Instructions).

Cards

Use any future expiry date and any three-digit CVC (four digits for American Express), unless you’re testing the CVC check below. Use an amount of at least 1.00 for a normal approval: smaller amounts trigger the results under Declines and errors.

Successful payments

Card	Number	Notes
Visa	4530 9100 0001 2345	Issued in Canada. Used in our own tests
Visa	4037 1122 3300 0001	Issued in the US
Visa	4107 8577 5705 3670	Issued in the UK
Visa	4111 1111 1111 1111	Not on Paysafe’s list. Used in our own tests: approved
Visa Debit	4206 7203 8988 3775	Issued in the UK
Mastercard	5191 3300 0000 4415	Issued in Canada
Mastercard	5100 4000 0000 0000	Issued in the US
Mastercard	5186 7503 6896 7720	Issued in the UK
Maestro	6759 9500 0000 0162	Issued in the UK
American Express	3735 110000 00005	Issued in Canada
American Express	3701 234567 89017	Issued in the US
American Express	3755 293601 31002	Issued in Ireland
Discover	6011 2345 6789 0123	Issued in the US
JCB	3569 9900 0000 0009	Issued in Japan

Paysafe lists more cards on its Test Cards page.

Declines and errors

Use any of the cards above with one of these amounts.

Number or trigger	Result
Amount 0.01	Approved
Amount 0.04	Declined: the bank asks you to call the card issuer (error 3015). Used in our own tests
Amount 0.05	Declined by the issuing bank (error 3009)
Amount 0.11	Declined: insufficient funds (error 3022)
Amount 0.12	Declined by the issuing bank under its card activity rules (error 3023)
Amount 0.13	Declined: the issuing bank doesn’t allow this transaction for this card (error 3024)
Amount 0.23	Declined by Paysafe’s risk management (error 4002)
Amount 0.24	Declined: failed the address check (error 3007)
Amount 0.25	Declined: card number or email address is in Paysafe’s negative database (error 4001)
Amount 0.77	Declined: Strong Customer Authentication required (error 3060, UK and EU acquiring)
Amount 0.06	Error: clearing house timeout (error 1007)
Amount 0.20	Error: internal error (error 1007)
Amount 0.90 to 0.95	Approved after a delay of 5 seconds (0.90) up to 30 seconds (0.95), in steps of 5 seconds
Amount 0.96	Error: times out after 30 seconds (error 1007)

3D Secure

Number	Result
4000 0000 0000 2701 (Visa)	Frictionless: authenticated
4000 0000 0000 2503 (Visa)	Challenge, then authenticated
4000 0000 0000 2370 (Visa)	Challenge, then authentication failed
4000 0000 0000 2420 (Visa)	Challenge, then authentication unavailable
4000 0000 0000 2719 (Visa)	Frictionless: authentication attempted
4000 0000 0000 2925 (Visa)	Frictionless: authentication failed
4000 0000 0000 2537 (Visa)	Frictionless: authentication rejected
4000 0000 0000 2990 (Visa)	Frictionless: authentication unavailable
4000 0000 0000 2446 (Visa)	Authentication error
4000 0000 0000 2560 (Visa)	Authentication request fails
5200 0000 0000 2235 (Mastercard)	Frictionless: authenticated
5200 0000 0000 2151 (Mastercard)	Challenge, then authenticated
5200 0000 0000 2490 (Mastercard)	Challenge, then authentication failed
3400 000000 02708 (American Express)	Frictionless: authenticated
3400 000000 02534 (American Express)	Challenge, then authenticated
3400 000000 02237 (American Express)	Challenge, then authentication failed

Paysafe lists the same scenarios for Mastercard and American Express on its 3D Secure 2 Test Cards page.

Address and CVC checks

Address checks need a billing address, so switch on Require address (AVS) in the Paysafe connection. By default the address check matches. To get a different result, start billing address line 1 with one of these numbers.

Value	Result
Address line 1 starting 10	Address and postcode match
Address line 1 starting 11 or 16	Address matches, postcode doesn’t
Address line 1 starting 12 or 17	Postcode matches, address doesn’t
Address line 1 starting 13	Nothing matches
Address line 1 starting 18	Not processed: address information unavailable
Address line 1 starting 15	Unknown response from the issuer
CVC 111	CVC matches
CVC 222	CVC not processed
CVC 555	Unknown CVC response
CVC 666	CVC doesn’t match

ACH (US bank accounts)

Paysafe doesn’t publish ACH test accounts. Our own tests use this one in a Paysafe ACH test account.

Routing number	Account number	Result
211589828	998772192 (savings)	Accepted. Used in our own tests