generated: '2026-06-20'
method: searched
source: https://docs.fatzebra.com/docs/testing
environments:
- name: sandbox
  gateway: https://gateway.pmnts-sandbox.io/v1.0
  partner: https://gateway.pmnts-sandbox.io/v2/partners
  billing: https://billing.pmnts-sandbox.io/api/v1/
  description: Full sandbox for gateway, partner and billing testing.
- name: staging
  partner: https://gateway.pmnts-staging.io/v2/partners
- name: production
  gateway: https://gateway.pmnts.io/v1.0
  partner: https://gateway.pmnts.io/v2/partners
auth:
  scheme: HTTP Basic
  note: 'Sandbox uses a separate test username + API token issued for the sandbox merchant. Responses
    include "test": true.'
test_cards_3ds:
  note: 3DS2 test cards for the Sandbox environment. Each PAN triggers a predetermined 3DS outcome. Use
    any future expiry and any CVV unless a scenario says otherwise.
  successful_frictionless:
    visa: '4000000000001000'
    mastercard: '5200000000001005'
    amex: '340000000001007'
    result: Liability shift
  attempts_frictionless:
    visa: '4000000000001026'
    mastercard: '5200000000001021'
    amex: '340000000001023'
    result: Liability shift (stand-in auth)
  successful_stepup_otp:
    visa: '4000000000001091'
    mastercard: '5200000000001096'
    amex: '340000000001098'
    result: Liability shift (successful OTP challenge)
  unsuccessful_enrolment:
    visa: '4000000000002446'
    mastercard: '5200000000002037'
    amex: '340000000002732'
    error_code: '002'
    result: No liability shift
  unsuccessful_frictionless:
    visa: '4000000000001018'
    mastercard: '5200000000001013'
    amex: '340000000001015'
    result: No liability shift
  unsuccessful_stepup:
    visa: '4000000000001109'
    mastercard: '5200000000001104'
    amex: '340000000001106'
    result: Failed OTP challenge
events:
  success: fz.sca.success
  error: fz.sca.error
  note: fatzebra.js emits these SCA events; 3DS result data in fz.sca.success qualifies the transaction
    for liability shift.