Test cards and environments

Validate your integrations by making test payments via various methods and with differing outcomes.

Test cards

When testing our Smart Checkout or any of our plugins in the sandbox/demo environment, enter any of the below in place of real card details.

Webhook notifications will not be triggered for expired payment orders, cancelled transactions, or payments that failed 3DS user authentication (see the Event ID codes). If you wish to test a Transaction Failed webhook, please use our trigger a decline section

Card number Card scheme Card icon CVV Expiry (mm/yy) Transaction response
4147 4630 1111 0133 Visa Visa Any 3 digits Any future date ✔️ Successful
4147 4630 1111 0141 Visa Visa Any 3 digits Any future date ❌ Failed
5239 2907 0000 0101 Mastercard Mastercard Any 3 digits Any future date ✔️ Successful
5239 2907 0000 0119 Mastercard Mastercard Any 3 digits Any future date ❌ Failed
3762 060000 00009 American Express American Express Any 4 digits Any future date ✔️ Successful
3762 0600 0000 025 American Express American Express Any 4 digits Any future date ❌ Failed
6759 6498 2643 8453 Maestro Maestro Any 3 digits Any future date ✔️ Successful
5012 8899 1154 1119 Maestro Maestro Any 3 digits Any future date ❌ Failed
6060 0500 0000 00130 Bancontact Bancontact N/A Any future date ✔️ Successful
6060 0500 0000 00148 Bancontact Bancontact N/A Any future date ❌ Failed
3569 9900 1229 9011 JCB JCB Any 3 digits Any future date ✔️ Successful 1
3528 1111 1111 11119 JCB JCB Any 3 digits Any future date ❌ Failed
6011 0009 9013 9424 Discover Discover Any 3 digits Any future date ✔️ Successful
6011 5000 0011 0166 Discover Discover Any 3 digits Any future date ❌ Failed
3607 050010 0111 Diners Diners Any 3 digits Any future date ✔️ Successful
3613 960000 0008 Diners Diners Any 3 digits Any future date ❌ Failed
4000 0025 0000 1126 Cartes Bancaires Cartes Bancaires Any 3 digits Any future date ✔️ Successful
4000 0025 0000 1118 Cartes Bancaires Cartes Bancaires Any 3 digits Any future date ❌ Failed

1 Applies to Greek merchants only.

Some test cards may result in an error for the below merchant categories, due to account restrictions:

  • 5967: Direct Marketing – Inbound Teleservices Merchant
  • 6051: Non-Financial Institutions – Foreign Currency, Money Orders (not wire transfer) and Travellers’ Cheques
  • 7995: Betting (including Lottery Tickets, Casino Gaming Chips, Off-track Betting and Wagers at Race Tracks)

Trigger a decline

You can simulate declines by creating payment orders with specific amounts and attempting payment using the test cards listed below:

Card number Card scheme Card icon CVV Expiry (mm/yy)
4147 4630 1111 0133 Visa Visa Any 3 digits Any future date
5188 3400 0000 0060 Mastercard Mastercard Any 3 digits Any future date
5239 2907 0000 0101 Mastercard Mastercard Any 3 digits Any future date

For ease of testing, we have created a sample Smart Checkout page, in which you can enter any desired amount to pay

There are two types of declines you can test:

An issuer decline

This will trigger a decline from the card’s issuer, simulating an expired card, for example. The user will then be redirected to the payment failure URL.

Payment amount Response EventId Response description
€99.54 or €9954 10054 Expired card - the payment gateway declined the transaction because the expiration date is expired or does not match
A decline recovery

This will trigger Smart Checkout’s decline recovery functionality, allowing the user to retry the payment. When triggered, the decline recovery pop-up (as shown below) will appear:

Decline recovery pop-up

There are several different events which will lead to the decline recovery functionality being triggered:

Payment amount Response EventId Response description
€99.05 or €9905 10005 Do not honor - the issuing bank declined the transaction without an explanation
€99.20 or €9920 10200 Generic error - a temporary error occurred during the transaction
€99.51 or €9951 10051 Insufficient funds - the card has insufficient funds to cover the cost of the transaction
€99.57 or €9957 10057 Function not permitted to cardholder - the card issuer has declined the transaction as the credit card cannot be used for this type of transaction
€99.61 or €9961 10061 Withdrawal limit exceeded - exceeds withdrawal amount limit
€99.79 10079 Life Cycle - the transaction is refused due to invalid card data.
€99.96 10096 System malfunction - a temporary error occurred during the transaction

Card installments

Use the below test cards to pay in card installments.

Card installments apply only to Greek merchants

Card number Card scheme Card icon CVV Expiry (mm/yy)
5188 3400 0000 0060 Mastercard Mastercard Any 3 digits Any future date
5239 2907 0000 0101 Mastercard Mastercard Any 3 digits Any future date
5239 2907 0000 0119 Mastercard Mastercard Any 3 digits Any future date

Please note: If offering installments, the value provided by the merchant is not the number of installments the customer will select, and it is not mandatory for the customer to select installments at all. The process is as follows:

  1. The merchant indicates the maximum number of installments they wish to offer to the customer
  2. It is then up to the customer whether they pay with or without installments
  3. If the customer decides to pay with installments, they are able to select the number of installments (up to the maximum specified by the merchant)

3DS challenge flow

If you want to simulate the 3DS challenge that a customer will see, use one of the below test card numbers.

Card number Card scheme Card icon CVV Expiry (mm/yy)
5188 3400 0000 0060 Mastercard Mastercard Any 3 digits Any future date

When using these cards, the following pop-up will be displayed:

**3DS pop-up simulator**

You can then select one of the 5 below options to simulate the relevant response:

Digital wallets

The testing process may differ for each digital wallet. Please see below for further information.

Apple Pay

To test Apple Pay in the Demo environment, you will need to utilise the Apple Pay Sandbox

Please see below for some applicable test cards. More can be found within Apple’s documentation, linked above.

Long card number Card scheme Card icon CVV Expiry (mm/yy)
4761 1200 1000 0492 Visa Visa 497 12/2025
5204 2452 5046 0049 Mastercard Visa 111 12/2024
3499 5695 9041 362 American Express Visa 1111 12/2024

If you wish to activate Apple Pay on demo environment, please contact your Viva Wallet sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

Google Pay

There are two options to test Google Pay:

  1. Log in to a Google account and create a Google Pay wallet with valid card details
  2. Use a sample card from Google’s test card suite

Samsung Pay

For Information on Samsung Pay testing, please navigate to Getting Started > Create Services within the Samsung Pay Developers website .

PayPal

You can use the personal account email address of your PayPal sandbox account to make PayPal test payments.

If you wish to activate PayPal on demo environment, please contact your Viva Wallet sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

Viva Wallet

You can use your demo Viva Wallet account to make test payments in our sandbox environment.

Local payment methods

The testing process may differ for each local payment method. Please see below for further information.

Klarna

If you wish to test Klarna on demo environment, please contact your Viva Wallet sales representative. Alternatively, you can contact us directly via our live chat facility, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

Once activated, you can make a live test directly on Smart Checkout. You should use the below card for testing Klarna.

Payconiq

All tests and integrations are carried out in Payconiq’s External Environment. To perform test transactions and to validate the integration end-to-end, you need to download the test Payconiq App for Android or iOS.

Payconiq will provide more guidelines for testing. For more information, please navigate to Getting Started > Environments on the Payconiq Development Portal .

Bancontact QR

It is currently not possible to test Bancontact QR on demo environment.

Other local payment methods

If you wish to test acceptance of payments online for the other local payment methods, contact your Viva Wallet sales representative to get them activated on your demo Viva Wallet account. Alternatively, you can contact us directly via our live chat facility. Simply click on the live chat icon in the bottom right-hand corner of this page. Once you have the required payment method(s) activated, you will be able to select these via our Smart Checkout.

To perform a test payment, do the following:

  1. Select the desired payment method, complete all required information and continue to the next step:

    Viva Wallet Smart Checkout

  2. In this example (for the iDEAL payment method), the Local Payment Methods Simulator will then be displayed

  3. Leave the Bank name or BIC field blank and click on the Next button:

    Local Payment Methods Simulator Step 1

  4. Leave the Account Number and PIN fields blank and click on the Login button:

    Local Payment Methods Simulator Step 2

  5. Leave the TAN field blank and click on the Make Payment button:

    Local Payment Methods Simulator Step 3

  6. Click on the Back to where you came from button:

    Local Payment Methods Simulator Step 4

  7. A confirmation page will be displayed showing a successful order against the local payment method selected

It is currently not possible to test IRIS and tbi bank on demo environment.

Direct Debit & other

Except Pay On Delivery, Direct Debit & other payment methods are currently unavailable on demo environment.

Pay On Delivery

To perform a test transaction, simply fill the input fields and click Order button.

Get Support

If you would like to integrate with Viva Wallet, or if you have any queries about our products and solutions, please see our Get Support page to see how we can help!