Test Cards Details
Learn about the test card details needed for testing card payments.
Test cards help merchants and developers securely test payment gateway integrations in a controlled sandbox environment before moving to production. They simulate real payment transactions without using actual money, enabling teams to validate checkout flows, payment processing, authentication, and transaction handling safely.
Using test card details allows businesses to verify that payment APIs, fraud detection systems, success and failure responses, refunds, webhooks, and transaction workflows are functioning correctly across different payment scenarios. This helps identify integration issues early, improves payment reliability, and ensures a seamless customer payment experience when the system goes live.
Use the test card details below to validate your payment gateway integration, simulate multiple transaction outcomes, and ensure your checkout experience is production-ready.
Test Card Details for Indian Payments
| Network | Card Number | CVV | Expiry Date | Last 4 Digits |
|---|---|---|---|---|
VISA | 4012 0010 3714 1112 | 065 | Any future Month & Year | 1112 |
MASTERCARD | 5200 0000 0000 1096 | 123 | Any future Month & Year | 1096 |
Tokenized Test Card Details
| Network | Card Number | Cryptogram | CVV | Expiry Date | Last 4 Digits |
|---|---|---|---|---|---|
VISA | 4000 0000 0000 1091 | /wAAAAAAl9SX1HsAmWKSgqwAAAA= | 123 | Any future Month & Year | 1091 |
MASTERCARD | 5200 0000 0000 1096 | /wAAAAAAl9SX1HsAmWKSgqwAAAA= | 123 | Any future Month & Year | 1096 |
Test Card Details for EMI Payments
| Card Type | Card Type | Card Number | CVV | Expiry Date | Last 4 Digits |
|---|---|---|---|---|---|
VISA | HDFC CC [Credit Card] | 4000 0000 4000 1000 | Any Three Digit | Any future Month & Year | 1000 |
MASTERCARD | HDFC CC [Credit Card] | 5241 8100 0000 0000 | Any Three Digit | Any future Month & Year | 0000 |
AMEX | ICICI CC [Credit Card] | 3769 3000 3769 3999 | Any Three Digit | Any future Month & Year | 3999 |
VISA | ICICI CC [Credit Card] | 4375 5120 0000 0003 | Any Three Digit | Any future Month & Year | 0003 |
VISA | HDFC DC [Debit Card] | 4690 0000 4691 0000 | Any Three Digit | Any future Month & Year | 0000 |
VISA | HDFC DC [Debit Card] | 4160 2100 4160 2199 | Any Three Digit | Any future Month & Year | 2199 |
RUPAY | ICICI DC [Debit Card] | 6010 0000 6020 0000 | Any Three Digit | Any future Month & Year | 0000 |
Test Card Details for International Remittance
| Card Number | Network | CVV | Expiry Date | Last 4 Digits |
|---|---|---|---|---|
4622 9431 2701 3713 | VISA | 123 | Any future Month & Year | 4242 |
UPI Test Scenarios
Use the following amount ranges to simulate different UPI transaction outcomes in the UAT environment. UPI transactions in UAT process against real rails, so the amount you send determines the response.
| Amount Range (INR) | HTTP Status Code | Expected Result |
|---|---|---|
| 100 – 50,000 | 200 | Success |
| 50,100 – 60,000 | 200 | Pending |
| 60,100 – 70,000 | 200 | Failed |
| 70,100 – 80,000 | 404 | Error |
| 80,000 and above | 504 | Timeout |
⚠️ Important
UPI payments process real transactions even in the UAT environment. Test with minimum amounts where possible.
📘 Note
- You cannot test Diners token in the UAT (User Acceptance Testing) environment. Currently, this functionality is available only in production environment. To test Diners tokens, please proceed with live transactions with the production setup.
- Rupay card does not work on UAT environment.
- Support for American Express transactions is not available at the moment; however, it is included in the future roadmap.
- Diners cards are supported only when using the
HDFC_FSS_IN_HOUSEacquirer.