generated: '2026-07-20'
method: searched
source: https://docs.payabli.com/guides/test-accounts-reference
environments:
  sandbox:
    base_url: https://api-sandbox.payabli.com/api
    portal: https://sandbox.payabli.com
  production:
    base_url: https://api.payabli.com/api
notes: >-
  Payabli separates test and live via the sandbox environment (api-sandbox.payabli.com). Test
  credentials/tokens are issued in the sandbox portal. All values below are published verbatim by
  Payabli's test-accounts reference — never use them in production.
test_cards:
- brand: Visa
  number: '4012000098765439'
  cvv: '999'
  exp: any future date
  result: approved
- brand: Mastercard
  number: '5146315000000055'
  cvv: '998'
  exp: any future date
  result: approved
- brand: Mastercard (BIN 2)
  number: '2223000048400011'
  cvv: '998'
  exp: any future date
  result: approved
- brand: Discover
  number: '6011000993026909'
  cvv: '996'
  exp: any future date
  result: approved
- brand: American Express
  number: '374101000000608'
  cvv: '9997'
  exp: any future date
  result: approved
- brand: American Express
  number: '371449635392376'
  cvv: '9997'
  exp: any future date
  result: approved
- brand: Diners Club
  number: '36256000000725'
  cvv: '123'
  exp: any future date
  result: approved
- brand: JCB
  number: '3566000000000000'
  cvv: '123'
  exp: any future date
  result: approved
test_ach:
- account_number: '123123123'
  routing_number: any valid ABA routing number (e.g. 102103407)
  notes: Works with any account type.
decline_simulation:
- scenario: Transaction decline
  method: Visa 4532802195368947 (CVV 999)
- scenario: Stored-method decline
  method: Charge stored Visa 4012000098765439 or AmEx 374101000000608 / 371449635392376 for $0.20
- scenario: Invalid CVV decline
  method: Use any approved card number above with an incorrect CVV