Testing

This guide provides test card numbers, banking numbers, and additional information to ensure your integration functions correctly. Utilize these resources to simulate various scenarios within the sandbox environment and verify that they are handled appropriately.

Card Payments

BRAND	REGION	CARD NUMBER	CVV / CVC	EXPIRATION DATE
Visa (Credit)	US and Canada	4111 1111 1111 1111	Any 3 digits, except 333 or 666	Any future date
Visa (Credit)	US and Canada	4900 7700 0000 0001	Any 3 digits, except 333 or 666	Any future date
Mastercard	US and Canada	5100 4000 0000 0000	Any 3 digits, except 333 or 666	Any future date
Discover	US only	6011 2345 6789 0123	Any 3 digits, except 333 or 666	Any future date
American Express	US only	3701 234567 89017	Any 4 digits	Any future date

Bank-to-Bank Payments

ACH Debit (USD)

BANK NAME	ROUTING NUMBER	ACCOUNT NUMBER
Bank of America	011000138	Any 4-17 digit number, except ‘123456789’
Chase	021000021	Any 4-17 digit number, except ‘123456789’
Wells Fargo Bank	021101108	Any 4-17 digit number, except ‘123456789’
HSBC	021004823	Any 4-17 digit number, except ‘123456789’
TD Bank Connecticut	011103093	Any 4-17 digit number, except ‘123456789’

EFT Debit (CAD)

BANK NAME	INSTITUTION ID	ACCOUNT NUMBER	TRANSIT NUMBER
Bank of Montreal	001	Any 4-12 digit number	22446
Scotiabank (The Bank of Nova Scotia)	002	Any 4-12 digit number	81349
Royal Bank of Canada	003	Any 4-12 digit number	04356
The Toronto-Dominion Bank	004	Any 4-12 digit number	00012
National Bank of Canada	006	Any 4-12 digit number	48121

Outbound Transfers (USD)

BANK NAME	ROUTING NUMBER	ACCOUNT NUMBER
Bank of America	011000138	Any 4-17 digit number
Chase	021000021	Any 4-17 digit number
Wells Fargo Bank	021101108	Any 4-17 digit number
HSBC	021004823	Any 4-17 digit number
TD Bank Connecticut	011103093	Any 4-17 digit number

Outbound Transfers (CAD)

BANK NAME	INSTITUTION ID	ACCOUNT NUMBER	TRANSIT NUMBER
Bank of Montreal	001	Any 4-12 digit number	22446
Scotiabank (The Bank of Nova Scotia)	002	Any 4-12 digit number	81349
Royal Bank of Canada	003	Any 4-12 digit number	04356
The Toronto-Dominion Bank	004	Any 4-12 digit number	00012
National Bank of Canada	006	Any 4-12 digit number	48121

Declines

Failure codes listed below are specific to card payments. Note that an amount of 777701 represents $7777.01.

FAILURE CODE	FAILURE MESSAGE	AMOUNT
`insufficient_funds`	The account has insufficient funds to complete the transaction.	777701
`avs_check_failed`	The card was declined for a failed AVS check.	777702
`generic_decline`	Your request has been declined by the issuing bank.	777703
`call_issuer`	Your request has been declined by the issuing bank. The customer needs to contact their card issuer for more information.	777704
`expired_card`	The card has expired.	777705
`pickup_card`	The customer can't use this card to make this payment. It's possible it was reported lost or stolen.	777706
`invalid_number`	The card number is invalid.	777707
`limit_exceeded`	The customer has exceeded the balance or credit limit available on their card.	777708
`not_permitted`	Transactions are prohibited or limited against this account.	777709
`incorrect_cvc`	The CVV/CVC number is incorrect.	777710
`service_not_allowed`	The card was declined by the issuing bank due to its proprietary card activity regulations.	777711
`invalid_expiry`	The expiration date is invalid.	777712
`card_not_supported`	The card does not support this type of purchase.	777713
`restricted_card`	The customer can't use this card to make this payment. It's possible it was reported lost or stolen.	777714
`fraudulent`	The payment was declined because it is suspected to be fraudulent.	777715
`processing_error`	An error occurred while processing the card.	777716

ACH Returns

Failure codes listed below are specific to ACH payments. ACH payments will move from a status of processing to failed at 8 AM EST the day after the payment is initiated.

Note that an amount of 888801 represents $8888.01.

FAILURE CODE	FAILURE MESSAGE	AMOUNT
`insufficient_funds`	The account has insufficient funds to complete the transaction.	888801
`not_permitted`	Transactions are prohibited or limited against this account.	888802
`bank_account_blocked`	The specified bank and account information is currently in an invalid state.	888803
`account_closed`	The account has been closed.	888804
`account_frozen`	The account has been frozen.	888805
`account_number_invalid`	The account number is invalid.	888806
`authorization_revoked`	Account holder revoked authorization of the outbound transfer.	888807
`invalid_field`	Mandatory fields have either incorrect or missing data.	888808
`no_account`	The account cannot be located based on the provided account number.	888809
`not_authorized`	Account holder has notified their bank that the payment was not authorized.	888810
`not_recognized`	Account holder has notified their bank that they do not recognize the entity attempting to debit their account.	888811
`stop_payment`	The account holder has placed a stop payment order on this payment.	888812

AVS Responses

By default, card transactions that include valid billing_details addresses will successfully pass address verification checks. To test different outcomes, you can prefix the billing_details.street property with a single letter code listed in the table below.

For example, setting billing_details.street to 'A11 123 Main Street' will simulate the address check failing because the postal code doesn't match. You can find the results of these checks in the payment_method.card.checks property.

DESCRIPTION	CHECK RESULTS	PREFIX
Both street and postal code match	`address_line1_check=pass` `address_postal_code_check=pass`	10
Street matches, but postal code does not	`address_line1_check=pass` `address_postal_code_check=fail`	11
Postal code matches, but street does not	`address_line1_check=fail` `address_postal_code_check=pass`	12
Address information is unavailable	`address_line1_check=unchecked` `address_postal_code_check=unchecked`	18
Address information is unavailable	`address_line1_check=unavailable` `address_postal_code_check=unavailable`	15

Disputes

DESCRIPTION	DISPUTE STATUS	STATUS HISTORY	AMOUNT
Inquiry	`warning_under_review`	`warning_needs_response` `warning_under_review`	777797
Inquiry followed by a formal dispute	`needs_response`	`warning_needs_response` `warning_under_review` `needs_response`	777798
Formal dispute	`needs_response`	`needs_response`	777799

When you submit evidence, using the precise phrases provided below in the evidence_description will trigger the dispute to be resolved as won or lost.

RESULTING DISPUTE STATUS	EVIDENCE DESCRIPTION
`won`	REVERSAL
`lost`	LOSS

Bank Account Verification

To test the Plaid Bank Account Verification feature within the hosted merchant application:

Navigate to the Bank Account section within the merchant application and click on the Connect Account button. Then, in the popup that appears, click Continue.
On the "Select your institution" page, pick any of the banks listed that are supported by Plaid and click Continue.
When prompted to sign in, use these test credentials:
1. Username: user_good
2. Password: pass_good
After inputting the credentials, you'll be taken to the "Verify your identity" page. Here, click the Get code button. For the code input, use 1234 and then click Submit.
Select any of the test accounts and click Continue.

You can then proceed with the remainder of the application. If you submit a test application and choose manual bank verification instead of Plaid, the merchant application's status will change from in-review to approved within 5 minutes. Using the tax ID 909909909 will keep the application in the in-review status, preventing it from changing to approved.

Webhooks

You can test your integration by completing actions in the sandbox environment that send events to your needed endpoint, and then verifying the results by checking the API for the correct event data. For example, creating a charge will trigger the charge.succeeded event which will hold the correct charge data.

Refer to our Webhook documentation for more details.

Metadata Error Codes