Test Cards

Table of Contents

1. Overview
2. Physical Test Cards
3. On-Device Test Cards (Apple Pay™/Google Pay™)
4. Test Card PANs
   • Generic Card Scheme PANs
   • Test Card PANs for use with AVS 
   • Test Card PANs for use with Transit Solutions
   • Test Card PANs for use with 3-D Secure

Overview

This article explains how to use test cards in NMI’s staging environment for payment solution testing. It covers Card Not Present (CNP) scenarios - where card details are entered manually via web or mobile checkout - and includes guidance on physical test cards and mobile wallet test cards. These test PANs must only be used in the staging environment with test accounts and must not be used on the production gateway.

Important: Test PANs and physical test cards should not be used with Special Amounts intended to trigger specific responses (e.g., Decline, Voice Referral, AVS). These Special Amounts simulate particular outcomes by bypassing normal authorization logic and therefore do not work properly with PANs designed to trigger specific system behaviours like AVS checks, which require real approvals.

For more information on obtaining physical test cards or simulating mobile wallet scenarios, refer to the sections below. Note that NMI is not a test card distributor and does not provide physical test cards.

Physical Test Cards

NMI is not a distributor of physical test cards, and as such we would recommend contacting your device distributor for advice on which cards would suit your use-case best.

On-Device Test Cards (Apple Pay™/Google Pay™)

On-Device test cards for use with Apple Pay™/Google Pay™ should be obtained through the relevant parties developer program, of which a sandbox account is provided and test cards able to be added to the respective digital wallet. For more information and the exact process of application please ensure you contact either relevant party.

Test Card PANs

Generic Card Scheme PANs

The NMI test platform will accept any valid PAN, however, if you don't have one available for use, it is possible to use one of the following available PANs:

* For expiry date, please choose any date in the future
** For CSC/CVV, please use the first 3 digits of the card number (PAN).

Test Card PANs for use with AVS

The following test card PANs have addresses associated and can be used with our Direct Connect solution to test Address Verification System (AVS) response handling.

* For expiry date, please choose any date in the future

Test Card PANs for use with Transit Solutions

The following test card PANs can be used to test PAR responses on the test platform. However, please note that:

• Whilst these can be used on an automatically boarded Terminal ID, they will not provide a PAR response unless linked to a transit-enabled merchant account (MCC:4800). If this has not occurred, please reach out to our support team to action this for you.
• These values can only be used with a Direct Connect-based solution and not Payment SDK for Windows, Linux, Mobile based solutions.
• In a production transit environment, there is no guarantee that a PAR value will be returned, as it relies on the acquirer and card issuer supporting the values.

Test Card PANs for use with 3-D Secure Version 2 (3DS2)

The following test cards can be used to test 3DS2 through Gateway.js.

* For expiry date, please use 08/2030
** For Card Security Code, please use 999
*** Please use a password of 1234