generated: '2026-07-17'
method: searched
source: https://developer.adfin.com/products/direct-integration/guides/get-started/test-payments.md
environments:
  staging:
    base_url: https://api.staging.adfin.com
    console: https://staging.adfin.com
    token_url: https://api.staging.adfin.com/api/oauth2/token
  live:
    base_url: https://api.adfin.com
    token_url: https://api.adfin.com/api/oauth2/token
mode_separation: >-
  Test credentials below only work in the staging environment. The docs warn
  that in staging the Pay-by-Bank method still processes REAL payments, so use
  the published test cards / direct-debit accounts rather than a real bank.
test_cards:
  - region: GB (accounts created before September 2025)
    number: "4444 3333 2222 1111"
    expiry: "03/30"
    cvv: "737"
  - region: GB (accounts created after September 2025)
    number: "4000 0566 5566 5556"
    expiry: "03/30"
    cvv: "737"
  - region: Guernsey
    number: "4444 3333 2222 1111"
    expiry: "03/30"
    cvv: "737"
  - scenario: 3DS authentication
    number: "4000 0084 0560 0003"
  - scenario: CVC failure
    number: "4000 0000 0000 0101"
  - scenario: always blocked
    number: "4100 0000 0000 0019"
test_direct_debit_accounts:
  - region: GB (before September 2025)
    name: David Archer
    account_number: "40308669"
    sort_code: "56-00-36"
  - region: GB (after September 2025)
    name: Jane Doe
    account_number: "00012345"
    sort_code: "10-88-00"
  - region: Guernsey
    name: David Archer
    account_number: "40308669"
    sort_code: "56-00-36"