Test Cards

Use the test card details below exclusively within the Test environment to validate your Payloft integration. These cards are designed to simulate various transaction outcomes and help you build robust payment flows.

Available Test Cards

Scheme	Expected Result	PAN	Expiry	CVV	PIN	OTP
Visa	Approved	`4999 0821 0002 9373`	`12/25`	`123`	`—`	`—`
Visa	Declined	`4187 4221 0017 3247`	`12/25`	`123`	`—`	`—`
Verve	Approved	`5060 9905 8000 0217 499`	`03/50`	`111`	`1234`	`123456`
PayAttitude	Approved	`08069493993`	`—`	`—`	`—`	`—`

Testing Guidelines

Test Environment Only: Do not use these cards in the Production environment. They are strictly for testing.
Simulated Gateway Responses: The Expected Result column indicates the simulated authorization response (e.g., Approved or Declined).
Coverage: Always test your integration with both approved and declined card responses.
No Real Funds: These card numbers do not access real accounts or funds—they are mock values for simulating payment logic.
Secure Handling: Even in testing, follow best practices. Do not log or store card data unnecessarily.

05 May 2025