Trust Payments test cards

Use these details to try payments in a Trust Payments 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.

Connect Trust Payments with your test site reference. The payment amount also affects the result: see Declines and errors.

Where these details come from

These are Trust Payments’ test details, not ours. They were copied from Trust Payments’ Testing card payments page on 19 October 2026, and were correct on that date as far as that page shows. Trust Payments can change or withdraw them at any time, and we can’t confirm that they work. Check Trust Payments’ page for the current details, and ask Trust Payments if one doesn’t behave as described.

How to choose a test result

• In the checkout, we always run 3D Secure through Trust Payments, so the card number sets the 3D Secure result and whether the payment then goes ahead. Staff-entered (MOTO) payments don’t use 3D Secure (Testing card payments).
• The amount can force a result: enter 700.00 for a decline or 600.10 for a bank system error, exactly as you would type any amount in the checkout. Use another amount, such as 10.50, for every other test.
• The billing postcode and the security code set the address and security code check results. Keep Require address (AVS) switched on in the Trust Payments connection settings (it is on by default), or the checkout doesn’t ask for the billing address.
• Trust Payments’ billing premise values (house number or name) can’t be used here: we don’t send the premise as a separate field, but send address lines 1 to 3 together as the street.

Cards

Use any future expiry date: a past date returns an invalid field error. To pass the security code check, use 123 for Visa, Mastercard and Discover, or 1234 for American Express. An amount of 10.50 is safe: it doesn’t cause an error on its own.

Successful payments

Trust Payments’ page lists only 3D Secure test cards. Its cards here go through 3D Secure without a challenge (frictionless), then are approved. Trust Payments doesn’t list a Maestro test card. The last two rows aren’t on Trust Payments’ page: our own tests with Trust Payments’ sandbox use them, with a future expiry date and security code 123, for payments that don’t go through 3D Secure, such as staff-entered (MOTO) payments.

Card	Number	Notes
Visa	4900 4900 0000 0501
Mastercard	5591 3900 0000 0504
American Express	3400 000000 04001	Security code 1234
Discover	6573 7000 0000 0009
Visa	4111 1111 1111 1111	Used in our own tests, on payments without 3D Secure
Visa	4000 0000 0000 2701	Used in our own tests, on payments without 3D Secure

Declines and errors

Number or trigger	Result
Amount 700.00	Declined by the test bank
Amount 600.10	Bank system error from the test bank

3D Secure

Trust Payments asks you to run its full set of 3D Secure test cases and check that each is handled correctly. Cards that need a challenge show an authentication prompt with instructions; frictionless cards skip it. Each row gives the Visa and Mastercard numbers; Trust Payments lists the matching American Express and Discover numbers, and further cases, on its Testing card payments page.

Number	Result
4900 4900 0000 0501 or 5591 3900 0000 0504	Frictionless: authenticated (Y), then approved
4900 4900 0000 0519 or 5591 3900 0000 0520	Frictionless: authentication failed (N), not authorised
4900 4900 0000 0527 or 5591 3900 0000 0538	Frictionless: authentication attempted (A), then approved
4900 4900 0000 0535 or 5591 3900 0000 0546	Frictionless: authentication unavailable (U), then approved
4900 4900 0000 0543 or 5591 3900 0000 0553	Frictionless: authentication rejected (R), not authorised
4900 4900 0000 0626 or 5591 3900 0000 0611	Enrolment check unavailable, then approved
4900 4900 0000 0576 or 5591 3900 0000 0587	Authenticated (Y) after a retry, then approved
4900 4900 0000 0667 or 5591 3900 0000 0645	Challenge, completed: then approved
4900 4900 0000 0568 or 5591 3900 0000 0579	Challenge, failed: not authorised
4900 4900 0000 0584 or 5591 3900 0000 0595	System error during the challenge: not authorised

Address and CVC checks

Only the billing premise (house number or name), the billing postcode and the security code decide these checks. The other address fields make no difference. The premise values can’t be used here, because we don’t send the premise as a separate field.

Value	Result
Premise No 789	Address matched
Premise No 123	Address not matched
Premise No 333	Address not checked
Premise left blank	Address not given
Postcode TR45 6ST (UK) or 55555 (US)	Postcode matched
Postcode TR12 3ST (UK) or 12345 (US)	Postcode not matched
Postcode TR33 3ST (UK) or 33333 (US)	Postcode not checked
Postcode left blank	Postcode not given
Security code 123 (1234 for American Express)	Security code matched
Security code 214 (2144 for American Express)	Security code not matched
Security code 333 (3333 for American Express)	Security code not checked
Security code left blank	Security code not given