# PayTomorrow test cards

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

Use these details to try payments in a PayTomorrow 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.

PayTomorrow calls its sandbox staging. Turn on the **Sandbox** option in the PayTomorrow gateway settings (see [Connecting PayTomorrow](/payment-providers/paytomorrow-connect/)), and check the conditions for PayTomorrow to appear at checkout in [Using PayTomorrow](/payment-providers/paytomorrow-using/). PayTomorrow doesn't use test card numbers to decide the result: the customer's details do.

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

## How to choose a test result

- Turn on the **Sandbox** option in the PayTomorrow gateway settings here, so that applications go to PayTomorrow's staging environment.
- The last three digits of the last name set the credit score, and the score decides which lender sees the application, or whether it's declined ([Control the credit score with the last name](https://docs.paytomorrow.com/docs/guides/testing/#control-the-credit-score-with-the-last-name)). Other first names, SSNs and addresses trigger specific results ([Special test customers](https://docs.paytomorrow.com/docs/guides/testing/#special-test-customers)).
- We send the first name, last name, email address, mobile number and shipping address from the checkout to PayTomorrow unchanged, so enter the name and address triggers (for example the last name `Testing650`) in the checkout. For the `12832 Hopewell Ave` trigger, leave the second address line empty.
- Enter the SSN, date of birth, pay schedule and verification code in PayTomorrow's application window, not in the checkout.
- Use a new customer every time: a new email address, mobile number and SSN ([Use a new customer every time](https://docs.paytomorrow.com/docs/guides/testing/#use-a-new-customer-every-time)).

## Pay later

### Every test application

Staging remembers customers, as live does. If you reuse a phone number, email address or SSN with different details, the application can be declined or sent to bank verification. Use a new customer every time:

| Field | What to enter |
| --- | --- |
| Email and mobile number | A new, made-up email address and mobile number every time, in the checkout |
| Verification code | Any code except `99999`, in PayTomorrow's application. Staging doesn't send texts. |
| First name | Any made-up first name, in the checkout |
| Last name | Any made-up last name, ending in three digits to choose the credit score (see below), in the checkout |
| Address | Any made-up shipping address, in the checkout |
| SSN and pay schedule | Any made-up SSN and pay schedule, in PayTomorrow's application |
| Date of birth | Any date that makes the customer older than 18, in PayTomorrow's application |
| Card | `4444 3333 2222 1111`, any future expiry date, CVV `123` |

### Approved and declined

Staging reads the credit score from the last three digits of the last name, and the score decides which lender sees the application. The whole last name, digits included, must be longer than 4 characters (`Li640` works, `Li64` doesn't).

| Last name | Credit score | Result |
| --- | --- | --- |
| `Testing650` (ending `600` to `700`) | 600 to 700 | Sent to PayTomorrow as the lender |
| `Testing550` (ending `100` to `600`) | 100 to 600 | Sent to Katapult as the lender |
| `Testing` (no digits) | 800 | Sent to Bread as the lender |
| A score below the range of every lender on your account | | Declined |

You can only reach lenders that are turned on for your staging account.

### Other results

Names are case-sensitive: `NoHitJordan` works, `nohitjordan` doesn't.

| Enter | Result |
| --- | --- |
| First name containing `NoHit`, or SSN `000000000` to `000000009` | No credit file found |
| First name containing `Freeze`, or SSN `999999990` to `999999999` | Credit report is frozen |
| SSN `111111111` | The application asks the customer to check their SSN |
| Date of birth `12/31/2000` | The application asks the customer to check their date of birth |
| First name containing `IID` | Fails the identity check: the customer is asked to verify with their bank, or is declined |
| First name containing `FP` | Fails the fraud score check: the customer is asked to verify with their bank, or is declined |
| Verification code `99999` | The code is rejected |
| An email address that can't receive mail, such as `jordan@example.invalid` | The customer is blocked |
| Street `12832 Hopewell Ave` with no apartment or suite | The application asks for an apartment or suite number |
| Any address in Wisconsin | The application asks for marital status and spouse details |
| Street `PO Box 123` | The order can't be created |
| Last name ending in `999` | Bank verification with Plaid: sign in with username `user_good` and password `pass_good` |

### Lender test details

Some lenders show their own payment or signing steps inside the application. If one asks for details the table above doesn't cover, use these. You only need the ones for lenders on your account.

| Lender | What to enter |
| --- | --- |
| PayTomorrow | Card `4242 4242 4242 4242`, any future expiry date, CVV `737`. For direct debit, choose **Set up Direct Debit** and sign in to Plaid with username `user_good` and password `pass_good`. |
| Uown | The same first and last name as the application, card `6011 0009 9302 6909`, CVC `996`, any future expiry date |
| Katapult | Card `4444 3333 2222 1111`, any future expiry date, CVV `123` |
| Snap | Routing number `122000247` with any checking account number |
| Breeze | Routing number `061000227` with any checking account number |
| Kafene | Routing number `110000000`, account number `000123456789`. Card `4111 1111 1111 1111`, any future expiry date, any CVC. |
| Improvemint | Card `4111 1111 1111 1111`, expiry `12/30`, CVV `123` |