Test Cards

Exercise your integration end to end in the test environment before going live. The cards on this page belong to the bank’s test environment; they are not real cards and move no real money.

Test environment only

These cards do not work in the live environment. The test base URL and your test API key are shared with you during integration onboarding — see Environments. Do not attempt to use a test card with your live key (ptk_live_…).

Cards

Brand	Card number	Expiry	CVV	3D Secure password
Visa	4531444531442283	12/26	001	a
Mastercard	5818775818772285	12/26	001	a

The 3D Secure password is what the bank’s 3D verification page asks for after the card handoff. In the test environment it is a single character: a.

The values belong to the bank

This set is defined by the bank’s test environment and may be updated over time — the expiry date in particular. If a card is unexpectedly declined, confirm the current set through your onboarding channel.

Scenarios

You can trigger different outcomes by changing the CVV or by behaving differently at the 3D step:

Scenario	How to trigger	Expected status
Successful payment	Send the card with the values above, 3D password a	captured
3D verification fails	Enter a wrong password on the 3D page	failed
Abandoning 3D	Close the 3D page without completing it	expired
Insufficient limit	Send 510 in the CVV field	failed (bank decline)
Card closed to transactions	Send 000 in the CVV field	failed (bank decline)
Timeout	Create the payment and do not hand off for 30 minutes	expired

What the statuses mean and how they transition: Payment Lifecycle. What the declines map to: Error Codes.

Common situations while testing

Back-to-back 3D attempts get declined. The bank limits how many successful 3D transactions can be made within a 5-minute window; in rapid succession the third attempt may be declined. Leave a few minutes between attempts.

Installments. Start with a single charge (installment: 1) when using the test set. Installment transactions depend on card and terminal support; not every installment count is accepted with test cards. You can query the installment options defined for your terminal via Installment Options.

Do not read the result from returnUrl. What lands on returnUrl comes through the buyer’s browser and is not authoritative. While testing too, confirm the definitive result via GET /v1/payments or the webhook.

Send the card to the right surface. The card number does not go into the POST /v1/payments body; it is POSTed to the handoffUrl from the buyer’s browser only. Detail: Card Handoff.

Next steps

• Quickstart: create your first payment
• Card Handoff: relaying the card to Lydia Gate 3DS Relay (web + mobile)