generated: '2026-07-17'
method: searched
source: https://docs.pay.jp/v1/testcard
notes: >-
  PAY.JP separates test and live via key prefix; there is no separate sandbox
  host — the same https://api.pay.jp/v1 endpoint runs in test mode when called
  with a test secret key. All values below are published verbatim in the docs;
  none are invented. Arbitrary cardholder name and other free-text fields may be
  sent in test mode. Test mode rate limit is 2 req/sec across all zones.
modes:
  test:
    secret_key_prefix: sk_test_
    publishable_key_prefix: pk_test_
    note: Charges/tokens created with a test key have livemode=false and never move real money.
  live:
    secret_key_prefix: sk_live_
    publishable_key_prefix: pk_live_
test_cards:
  success:
    - number: '4242424242424242'
      brand: Visa
    - number: '4012888888881881'
      brand: Visa
    - number: '5555555555554444'
      brand: Mastercard
    - number: '5105105105105100'
      brand: Mastercard
    - number: '3530111333300000'
      brand: JCB
    - number: '3566002020360505'
      brand: JCB
    - number: '378282246310005'
      brand: American Express
    - number: '371449635398431'
      brand: American Express
    - number: '38520000023237'
      brand: Diners Club
    - number: '30569309025904'
      brand: Diners Club
    - number: '6011111111111117'
      brand: Discover
    - number: '6011000990139424'
      brand: Discover
    - number: '4000000900000003'
      brand: Visa
      behavior: >-
        Overseas-issued card; authorization validity beyond 7 days is shortened to 7 days.
  error_at_token_creation:
    - number: '4000000000000002'
      error_code: card_declined
    - number: '4000000000000069'
      error_code: expired_card
    - number: '4000000000000127'
      error_code: incorrect_card_data
    - number: '4000000000000119'
      error_code: processing_error
    - number: '4000003720000278'
      error_code: incorrect_card_data
    - number: '36227206271667'
      error_code: unacceptable_brand
  error_at_payment:
    - number: '4000000000080319'
      error_code: card_declined
    - number: '4000000000004012'
      error_code: expired_card
    - number: '4000000000080202'
      error_code: card_declined
      condition: amounts exceeding ¥10,000
    - number: '4000000000000077'
      error_code: incorrect_card_data
  status_checks:
    - number: '4000000000000036'
      status: address_zip_check=failed
      note: deprecated after 2026/05/11
    - number: '4000000000000101'
      status: cvc_check=failed
    - number: '4000000000000044'
      status: cvc_check=unavailable