generated: '2026-07-19'
method: searched
source: https://docs.finix.com/additional-resources/developers/implementation-and-testing/testing-your-integration
environments:
  sandbox_host: https://finix.sandbox-payments-api.com
  live_host: https://finix.live-payments-api.com
  key_separation: Sandbox and Live API keys are environment-specific and not interchangeable.
test_cards_by_type:
- number: '6011000000004675'
  brand: Discover
  result: CREDIT
- number: '5200820000007201'
  brand: Mastercard
  result: DEBIT
- number: '4393420000002680'
  brand: Visa
  result: HSA_FSA
- number: '5223100000008423'
  brand: Mastercard
  result: NON_RELOADABLE_PREPAID
- number: '379032000006086'
  brand: American Express
  result: RELOADABLE_PREPAID
test_cards_failure:
- number: '4000000000009979'
  brand: Visa
  failure_code: GENERIC_DECLINE
- number: '4012888888881881'
  brand: Visa
  failure_code: CALL_ISSUER
- number: '4539148803436467'
  brand: Visa
  failure_code: CARD_NOT_ACTIVATED_OR_BLOCKED
- number: '4000000000000002'
  brand: Visa
  failure_code: DO_NOT_HONOR
- number: '4000000000009995'
  brand: Visa
  failure_code: EXCEEDS_APPROVAL_LIMIT
- number: '4000000000009987'
  brand: Visa
  failure_code: EXPIRED_CARD
- number: '4129054449449482'
  brand: Visa
  failure_code: FRAUD_DETECTED_BY_FINIX
- number: '4783512839773883'
  brand: Visa
  failure_code: FRAUD_DETECTED_BY_ISSUER
- number: '4000000000000069'
  brand: Visa
  failure_code: INSUFFICIENT_FUNDS
- number: '4544206329536898'
  brand: Visa
  failure_code: INVALID_CARD_NUMBER_OR_EXPIRED_CARD
- number: '4000056655665556'
  brand: Visa
  failure_code: INVALID_CVV
- number: '4709247730212712'
  brand: Visa
  failure_code: ISSUER_POLICY_VIOLATION
- number: '4000000000000127'
  brand: Visa
  failure_code: LOST_OR_STOLEN_CARD
- number: '4000000000000119'
  brand: Visa
  failure_code: PICK_UP_CARD
- number: '4242424242424242'
  brand: Visa
  failure_code: RESTRICTED_CARD
test_amounts_cents:
- amount: 102
  result: Declined
- amount: 103
  result: Canceled
- amount: 193
  result: Insufficient funds
- amount: 194
  result: Invalid card number
- amount: 888888
  result: Disputed
- amount: 889986
  result: AVS failure
- amount: 889987
  result: CVC failure
ach_test:
  bank_account_validation:
  - bank_code: '122105278'
    account: '0000000016'
    result: VALID
  - bank_code: '122105278'
    account: '0000000005'
    result: INVALID
  - bank_code: '121000358'
    account: '123123128'
    result: INCONCLUSIVE
  return_codes:
  - code: R01
    bank_code: '122105278'
    account: '123120006'
    result: INSUFFICIENT_FUNDS
  - code: R02
    bank_code: '122105278'
    account: '123120007'
    result: BANK_ACCOUNT_CLOSED
  - code: R03
    bank_code: '122105278'
    account: '123120008'
    result: NO_BANK_ACCOUNT_FOUND
  - code: R04
    bank_code: '122105278'
    account: '123120009'
    result: INVALID_BANK_ACCOUNT_NUMBER
name_verification_values:
- name: Billy
  result: MATCH
- name: Joey
  result: NO_MATCH
- name: Sarah
  result: PARTIAL_MATCH
- name: Amanda
  result: NOT_SUPPORTED
notes:
- Refund FAILED-state test card 4000000000000135 (Visa).
- Additional Push-to-Card, Network Token, and Account Updater test cards are documented on the testing page.