generated: '2026-07-17'
method: searched
source: https://docs.culqi.com/es/documentacion/pagos-online/tarjetas-de-prueba
description: >-
  Culqi test / integration environment: test-vs-live key prefixes and the
  published test cards, test Yape values, and 3DS test cards used to exercise
  the API without moving real money. Captured verbatim from the Culqi testing
  documentation. Transactions made with these values are not real and only work
  in the integration (test) environment.
docs:
  - https://docs.culqi.com/es/documentacion/pagos-online/tarjetas-de-prueba
  - https://docs.culqi.com/es/documentacion/pagos-online/llaves/

modes:
  - name: test
    key_prefixes: [pk_test_, sk_test_]
    notes: >-
      Integration keys, labelled "test" in the CulqiPanel (Development / API
      Keys). Transactions are simulated and never settle real money.
  - name: live
    key_prefixes: [pk_live_, sk_live_]
    notes: Production keys; switch to these after integration testing passes.

key_formats:
  public: {test: pk_test_..., live: pk_live_...}
  secret: {test: sk_test_..., live: sk_live_...}

# Published test cards — success cases (any future expiry may be used unless noted).
test_cards:
  success:
    - {brand: Visa, number: '4111111111111111', exp: '09/30', cvv: '123', type: debit}
    - {brand: Visa, number: '4111111110101113', exp: '09/30', cvv: '123', type: credit}
    - {brand: Mastercard, number: '5111111111111118', exp: '12/30', cvv: '039', type: credit}
    - {brand: Amex, number: '371212121212122', exp: '12/30', cvv: '2841', type: credit}
    - {brand: Diners, number: '3600121212121210', exp: '12/30', cvv: '964', type: credit}
  error:
    - {brand: Visa, number: '4111110000000013', exp: '12/30', cvv: '123', outcome: DNGE0087}
    - {brand: Visa, number: '4000020000000000', exp: '10/30', cvv: '354', outcome: stolen_card}
    - {brand: Mastercard, number: '5400020000000003', exp: '07/30', cvv: '203', outcome: incorrect_cvv}
    - {brand: Amex, number: '370002000000008', exp: '05/30', cvv: '1810', outcome: issuer_decline_operation}

# 3-D Secure test cards (Culqi 3DS) — confirm via the confirmCharge operation.
test_cards_3ds:
  visa:
    - {number: '4456530000001096', exp: '07/30', cvv: '111', outcome: success_with_challenge}
    - {number: '4456530000001005', exp: '07/30', cvv: '111', outcome: success_without_challenge}
    - {number: '4456530000001070', exp: '07/30', cvv: '111', outcome: failed_timeout}
    - {number: '4456530000001013', exp: '07/30', cvv: '111', outcome: failed_auth_error}
  mastercard:
    - {number: '5200000000001096', exp: '12/30', cvv: '111', outcome: success_with_challenge}
    - {number: '5200000000001005', exp: '12/30', cvv: '111', outcome: success_without_challenge}
    - {number: '5200000000001070', exp: '12/30', cvv: '111', outcome: failed_timeout}
    - {number: '5200000000001013', exp: '12/30', cvv: '111', outcome: failed_auth_error}

# Yape (BCP mobile wallet) test values for the createYapeToken flow.
test_yape:
  number_phone: '900000001'
  otp: 'any 6-digit number (e.g. 123456)'
  note: The verification/OTP code can be any 6 random digits in the test environment.

notes: >-
  Culqi has no test-clock / time-simulation tooling documented. There is no
  Stripe-CLI-style local trigger tool; webhook events are exercised by driving
  real test-mode operations. To encrypt the CulqiJS payload in some checkout
  flows an RSA id + RSA public key are generated in CulqiPanel > Development >
  RSA Keys.