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 3-D Secure
   • Test Card PANs for use with Transit Solutions

Overview

This article provides information on Card Not Present test PANs, where the card details are entered, rather than processed by a device, and physical test cards and where you can obtain them.

Physical test cards and test card PANs should not be used on the NMI production gateway and should be restricted to the test environment using a test account.

Please note that the test platform Special Amounts used to trigger events, such as a Decline or Voice Referral, should not be used in conjunction with PANs or physical test cards that are intended to invoke a specific response. For example, Special Amounts do not work in conjunction with the Test Card PANs for use with AVS noted below, as the AVS system requires an approval to generate the data.

Supported Platforms

• One (Staging)
• CardEase (Staging)

Supported Solutions

• ChipDNA Windows & Linux
• ChipDNA Android & iOS
• ChipDNA Direct
• Hosted Payment Page

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 either ChipDNA Direct or Hosted Payment Page solutions to test Address Verification System response handling.

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

Test Card PANs for use with 3-D Secure Version 1

The following test card PANs can be used to test 3-D Secure Version 1.

* For expiry date, please choose any date in the future
** For CSC/CVV, please use the first 3 digits of the card number (PAN), e.g. Visa = 476, Mastercard = 576, or 4 digits if Amex, e.g. 3761
*** All passwords are 123456
**** JCB is currently not enabled on our staging MPI platform.

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

The following test card PANs can be used to test 3-D Secure Version 2.

* For expiry date, please use 08/2025
** For Cardholder Name please use Test Card
*** Please use a password of 123456
**** Please use a password of 111111

Test Card PANs for use with Transit Solutions

The following test card PANs can be used to test Funding PAN and 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 an FPAN/PAR response unless linked to a transit-enabled merchant account. 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 ChipDNA Direct-based solution and not ChipDNA Windows, Linux, Mobile, or eKashu/Hosted Payment Page based solutions.
• In a production transit environment, there is no guarantee that either PAR or FPAN value will be returned, as it relies on the acquirer and card issuer supporting the values.