Test Credit Card Numbers
The Helcim Commerce API is not limited to a particular set of credit card numbers.
However, certain rules apply when using test credit card:
Compliance Rules
- Real credit cards should never be used for testing, as per PCI-DSS compliance requirements.
- Test cards should only be sent along with the test=1 field, or on a developer sand-box.
- Test cards should not be used during live processing as these will be declined by the card networks and processing charges will occur.
Test Cards
- Test cards must pass the Luhn algorithm, also known as the MOD 10 check.
- (*) Any valid expiry date can be used, but must be greater than the current month.
- For approval, it is recommended that you use "100" as the CVV value.
- (*) The CVV value can also be used to simulate various test responses.
Below is a list of valid test credit cards. You can also use a card-number generator.
| Card Type | Card Number | Expiry Month* | Expiry Year* | CVV* |
|---|---|---|---|---|
| Mastercard | 5413330089099130 | 01 | 25 | 100 |
| Mastercard | 5413330089020011 | 01 | 25 | 100 |
| Visa | 4124939999999990 | 01 | 25 | 100 |
| Visa | 4000000000000028 | 01 | 25 | 100 |
| American Express | 374245001751006 | 01 | 25 | 100 |
| American Express | 30569309025904 | 01 | 25 | 100 |
| Discover Card | 6011973700000005 | 01 | 25 | 100 |
| Discover Card | 6011450103333333 | 01 | 25 | 100 |
Test Bank Account for EFT/ACH Payments
When testing EFT/ACH payments, you can use any valid routing number, combined with a bank account number between 4-17 digits. Below is a list of valid test bank accounts:
| Financial Institution | Routing (Transit) Number | Bank Account Number |
|---|---|---|
| US Bank | 122235821 | 100200300 |
| US Bank | 107002312 | 16579845 |
| Chase | 122100024 | 1234546548 |
| Chase | 322271627 | 6658745231 |
| Citibank | 266086554 | 244122348 |
| Citibank | 271070801 | 10238775445 |