Test Card Payment Methods

When using a sandbox account on a test gateway, you may want to trigger a success or failure based on the card or bank number you pass in. Once you create a payment method with one of these card numbers or bank account numbers, it will always trigger a success or a generic failure thereafter when used in a charge. These test payment methods can only be used for Card Not Present/ Keyed-in transactions. For Card Present testing, please reach out to support.fattmerchant.com to set up your account for testing devices with your merchant account.

Supported Card Types: Credit Card, Bank Account

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⚠️ In an account with a live gateway – none of these numbers will work, all card and bank numbers will be treated as real.

Test Credit Cards

Testing Credit Card Failures:

Testing any of the failure cards listed above will result in a failed payment. These cards will succeed at the step of tokenization because tokenizing is storing the card for future use.

But when that token is used for payment, the failure card results in a transaction failure. The response (Transaction object) will have a message parameter, which will include the reason for the transaction failure.

In a sandbox account, when using the failure cards listed above, the Transaction.message will always read “Unable to process the purchase transaction”, but in a real account, the message will relay the proper error message (ex., Insufficient Funds, etc).

Test Debit Card

The following Mastercard account number will trigger a successful transaction for a DEBIT card. This number can be used to test the tokenization flow as well.

2223003122003222

Test ACH/Bank

The following numbers will cause a charge to succeed. Any other combination of Routing and Account numbers will trigger a failure.

Routing Number: 021000021

Account Number: 9876543210