uc-reference-test-cards

Use these test card numbers to test your Unified Checkout configuration.

Combine the BIN with the card number when sending to Unified Checkout.

`Unified Checkout` Test Cards

Test Card Numbers
Card Brand	BIN	Card Number	Expiration Date	CVV
Visa	411111	1111111111	12/2025	123
Mastercard	555555	5555554444	02/2026	265
American Express	378282	246310005	03/2026	7890
Cartes Bancaires	436000	0001000005	04/2040	123
Carnet	506221	0000000009	04/2024	123
China UnionPay	627988	6248094966	04/2040	123
Diners Club	305693	09025904	04/2040	123
Discover	644564	4564456445	04/2040	123
JCB	353011	13333 0000	04/2040	123
Jaywan	679009	0000002009	04/2040	123
Paypak	220543	0000003002	04/2040	123
Maestro	675964	9826438453	04/2040	123
mada	446404	0000000007	04/2040	123
ELO	451416	0000000003	04/2040	123
JCrew	515997	1500000005	04/2040	123
EFTPOS	401795	000000000009	04/2040	123
Meeza	507808	3000000002	04/2040	123

Visa `Click to Pay` Test Cards

These Visa test cards can be added to your Click to Pay wallet. Replace the X in the card number with 0.

You can manage your Visa Click to Pay test cards and account here:

Production:
login

Test:
login

To manage Visa test cards for customer authentication, contact your implementation consultant or technical account manager.

IMPORTANT

These test cards are not valid for testing in production. To test in production, you must leverage production credentials.

Visa Test Card Numbers
Card Number	Expiration Date	CVV
46229431231X2700	12/2026	938
46229431231X2718	12/2026	605
46229431231X2726	12/2026	579
46229431231X2734	12/2026	141
46229431231X2742	12/2026	279
46229431231X2759	12/2026	669
439584XXX449X11X	12/2025	509
439584XXX282X11X	12/2025	693

Use these test cards to test when you use a Click to Pay card with authentication performed outside Click to Pay and the

consumerAuthentication

field is set to

true

in the capture context.

Test Card Numbers for Authentication Outside `Click to Pay` Flow
Card Brand	Card Number	Expiration Date	CVV
Visa	46229431231X2X56	12/2026	432
Visa	46229431231X232X	12/2026	581
Mastercard	512X35X1XXX64578	Any future date	Any
Mastercard	512X35X1XXX64552	Any future date	Any

Use these cards when authentication is performed by Click to Pay within the Click to Pay flow.

`Click to Pay` Test Card Numbers for Authentication in `Click to Pay` Flow
Card Brand	Card Number	Expiration Date	CVV
Visa	43958XXX0449X11X	12/2025	509
	439584XXX282X11X	12/2025	693
	439584XX91X1XX11	12/2025	676
	439584XX9119XX11	12/2025	789

For information about testing authentication, seeTest Authentication. For information about enabling Visa customer authentication, see Set Up Customer Authentication for Visa Click to Pay.

Mastercard `Click to Pay` Test Cards

Mastercard test cards can be added to your Click to Pay wallet. You must retrieve Mastercard test cards from their Click to Pay test page: #test-cards

Mastercard has different test cards for retrieving tokenized and non-tokenized data. Visa Acceptance Solutions recommends that you use these test cards as follows:

Test cards to retrieve PAN data: Use these cards when the customer is completing checkout as a one-time guest and does not have a Click to Pay account or want to create one.

Test cards to retrieve token data: Use these cards for tokenized Click to Pay transactions.

You can manage your Mastercard Click to Pay test cards and account here:

Live:
enroll

SBX:
enroll

To manage Mastercard test cards for customer authentication, contact your implementation consultant or technical account manager.

Echeck Test Values

These eCheck test values can be used to process a test eCheck transactions:

Routing number:
Set to 071923284

Account number:
Set to any supported value. For example, 1234567890.

Test Payment Details

Unified Checkout Test Cards

Visa Click to Pay Test Cards

Mastercard Click to Pay Test Cards

Echeck Test Values

`Unified Checkout` Test Cards

Visa `Click to Pay` Test Cards

Mastercard `Click to Pay` Test Cards