PayTomorrow test cards

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), and check the conditions for PayTomorrow to appear at checkout in Using PayTomorrow. PayTomorrow doesn’t use test card numbers to decide the result: the customer’s details do.

Where these details come from

These are PayTomorrow’s test details, not ours. They were copied from PayTomorrow’s 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). Other first names, SSNs and addresses trigger specific results (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).

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