USAePay test cards

Use these details to try payments in a USAePay 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.

You request a sandbox account through USAePay’s developer portal: see USAePay’s Sandbox System page. The sandbox simulates FDMS Nashville responses only, and it doesn’t support encrypted swipe or EMV testing on card terminals, though it does support unencrypted and manually keyed entries on them.

Where these details come from

These are USAePay’s test details, not ours. They were copied from USAePay’s Test Cards, Test ACH Data, AVS Response Codes, Card Security Codes and Sandbox System pages on 19 October 2026, and were correct on that date as far as those pages show. USAePay can change or withdraw them at any time, and we can’t confirm that they work. Check USAePay’s pages for the current details, and ask USAePay if one doesn’t behave as described.

How to choose a test result

• Tick Sandbox in the USAePay connection settings, so that we send payments to USAePay’s sandbox.
• The card number sets the result: declines, address check results and CVC results each have their own card (Test Cards). Use the CVC given for each card in the checkout’s CVC field.
• USAePay’s expiry date for its test cards, 09/24, has passed. Our own USAePay tests don’t call USAePay’s sandbox, so they can’t confirm a date that works: if the sandbox rejects 09/24 as expired, ask USAePay.
• We only send a billing address to USAePay while Require address (AVS) is switched on in the connection settings, so switch it on when testing the address check cards.
• For ACH, the account number, routing number or amount sets the result (Test ACH Data). Enter amounts at checkout as shown (for example 5.99): we send them to USAePay unchanged. Switch on Enable ACH / Bank Transfer in the connection settings and on your USAePay account first.

Cards

USAePay’s page gives the expiry date 09/24 for every card. That date has passed, so if the sandbox rejects it as expired, ask USAePay which date to use. Use the CVC shown in a row’s notes. For the other cards, USAePay gives the CVC 999, except the CVC-check cards, which take any CVC. USAePay lists more cards on its testing page.

Successful payments

Card	Number	Notes
Visa	4000 1000 1111 2224	CVC 123. Address, ZIP code and CVC all match
Mastercard	5555 4444 3333 2226	Any CVC. Address, ZIP code and CVC all match
American Express	3711 222233 32225	Any CVC. Address, ZIP code and CVC all match
Discover	6011 2222 3333 2224	Any CVC. Address, ZIP code and CVC all match

Declines and errors

Number or trigger	Result
4000 3000 1111 2220	Declined
4000 3002 1111 2228	Declined: do not honour (code 05)
4000 3006 1111 2224	Declined: insufficient funds (code 51)
4000 3000 0111 2222	Declined: pick up card (code 04)
4000 3009 1111 2221	Declined: restricted card (code 62)
4000 3008 1111 2222	Declined: transaction not permitted (code 57)
4000 3004 1111 2226	Declined: invalid issuer (code 15)
4000 3013 1111 2225	Declined for CVC failure (code 97)
4000 3001 1111 2229	Referral

Address and CVC checks

Value	Result
4000 1002 1111 2222	ZIP code matches, address doesn’t (AVS code NYZ)
4000 1004 1111 2220	Address matches, ZIP code doesn’t (AVS code YNA)
4000 1005 1111 2229	Neither address nor ZIP code matches (AVS code NNN)
4000 1007 1111 2227	Address information not verified (AVS code XXU)
4000 1008 1111 2226	Address check system unavailable: retry (AVS code XXR)
4000 2001 1111 2221	CVC doesn’t match
4000 2002 1111 2220	CVC not processed
3711 222233 32241 (American Express)	CVC doesn’t match: declined

ACH (US bank accounts)

In the sandbox, approved ACH payments move to “submitted” at 5pm Pacific time and to “settled” at 8am the next day. Payments using the return account numbers below are returned at 8am on the third day. See ACH payments and returns for how pending and returned ACH payments show here.

Routing number	Account number	Result
Any 9-digit routing number	Any	Approved (any amount except those below)
987654321	Any	Error: invalid routing number
Any	Any	Amount 5.99: declined, returned check for this account
Any	Any	Amount 9999.99: manager approval needed (monthly volume exceeded)
Any	10178101	Returned: R01 insufficient funds
Any	10178102	Returned: R02 account closed
Any	10178103	Returned: R03 no account, or unable to locate account
Any	10178104	Returned: R04 invalid account number
Any	10178107	Returned: R07 authorisation revoked by customer
Any	10178108	Returned: R08 payment stopped
Any	10178110	Returned: R10 customer advises not authorised
Any	10178116	Returned: R16 account frozen