Test cards Values

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This page provides a list of test card PANs you can use to validate your CentralPay integration. Each PAN below triggers a predictable scenario (bank refusal, 3DS authentication outcome, or card attributes such as EEA / region / product type).

Note: 3DS outcome values (transStatus such as Y, C, D, I, N…) are described in the dedicated 3DS 2.2 BRW documentation.

Card details to use: for all test PANs on this page, the expiry date and CVC values are free. The only requirement is that the expiry date must be later than today’s date. The CVC must be 3 digits (for example: 123).

Legend: ✅ Success · ❌ Bank refusal · ⛔ 3DS refused · 🛡️ 3DS · 🔒 3DS Challenge · 🔁 3DS Decoupled · ℹ️ 3DS Info · 🧭 Attributes

Quick test cards (most common scenarios)

PAN	Scenario	What you should observe
4556 5579 5572 6624	✅🛡️ 3DS success (transStatus = Y)	Authorization succeeds with a successful 3DS authentication.
4916 9940 6425 2017	🔒🛡️ 3DS challenge required (transStatus = C)	Challenge flow expected (you must complete the challenge step to proceed).
4234 6319 8242 8924	🔁🛡️ 3DS decoupled (transStatus = D) – browser flow	Decoupled authentication scenario (handling depends on your 3DS implementation).
4556 1041 6038 2032	⛔🛡️ 3DS authentication refused (transStatus = N)	The API responds with HTTP 200, but the 3DS authentication is refused (transStatus = N) and the payment is declined.
4000 0000 0000 0077	❌ Bank refusal – Insufficient funds (51)	Authorization is refused with bank return code 51 (Insufficient funds).
4000 0000 0000 0085	❌ Bank refusal – Do not honor (5)	Authorization is refused with bank return code 5 (Do not honor / refused).

Bank refusal PANs: these PANs are refused at the bank authorization stage regardless of the authentication flow.

Visa Card numbers

1) Bank refusals (regardless of the authentication flow)

PAN	Scenario	Description
4000 0000 0000 0051	❌ Card lost (41)	This PAN simulates a bank refusal with return code 41 (Card lost), regardless of the authentication flow.
4000 0000 0000 0069	❌ Fraud suspicion (59)	This PAN simulates a bank refusal with return code 59 (Fraud suspicion), regardless of the authentication flow.
4000 0000 0000 0077	❌ Insufficient funds (51)	This PAN simulates a bank refusal with return code 51 (Insufficient funds), regardless of the authentication flow.
4000 0000 0000 0085	❌ Do not honor / refused (5)	This PAN simulates a bank refusal with return code 5 (Do not honor / refused), regardless of the authentication flow.

2) 3DS scenarios

These PANs are designed to reproduce specific 3DS outcomes (transStatus). If transStatus = C, a challenge flow is expected and must be completed. If transStatus = N, the 3DS authentication is refused and the payment is declined.

PAN	Scenario	Description
4556 5579 5572 6624	✅🛡️ 3DS success (transStatus = Y)	This PAN simulates a successful authorization with a successful 3DS authentication (transStatus = Y).
4916 9940 6425 2017	🔒🛡️ 3DS challenge required (transStatus = C)	This PAN simulates a 3DS authentication requiring a challenge (transStatus = C). You must complete the challenge step to proceed.
4024 0071 7987 2394	🔒🛡️ 3DS challenge required (transStatus = C)	This PAN simulates a 3DS authentication requiring a challenge (transStatus = C). You must complete the challenge step to proceed.
4234 6319 8242 8908	ℹ️🛡️ 3DS information only (transStatus = I)	This PAN simulates a 3DS authentication with transStatus = I (Information only), to validate how you handle an informational 3DS outcome.
4234 6319 8242 8916	🔁🛡️ 3DS decoupled (transStatus = D) – application flow	This PAN simulates a 3DS decoupled authentication outcome (transStatus = D) using an application flow.
4234 6319 8242 8924	🔁🛡️ 3DS decoupled (transStatus = D) – browser flow	This PAN simulates a 3DS decoupled authentication outcome (transStatus = D) using a browser flow.
4556 1041 6038 2032	⛔🛡️ 3DS authentication refused (transStatus = N)	This PAN triggers a 3DS authentication flow that is refused (transStatus = N). The API responds with HTTP 200 but the payment is declined.

3) Card attributes simulation (EEA / region / productType / cardType)

These PANs are designed to simulate card metadata (EEA / region / productType / cardType). Use them to validate your business rules, reporting, segmentation, or routing logic based on card attributes.

PAN	Attributes returned	Description
4032 0389 8296 2700	🧭 EEA=true ; region=EUROPE; productType=CONSUMER; cardType=DEBIT	This PAN simulates an EEA consumer debit card in Europe.
4032 0343 8883 4767	🧭 EEA=true ; region=EUROPE; productType=CONSUMER; cardType=CREDIT	This PAN simulates an EEA consumer credit card in Europe.
4020 0280 0191 2012	🧭 EEA=true ; region=EUROPE; productType=CONSUMER; cardType=UNKNOWN	This PAN simulates an EEA consumer card in Europe with cardType=UNKNOWN.
4032 0337 9569 2248	🧭 EEA=true ; region=EUROPE; productType=CORPORATE; cardType=DEBIT	This PAN simulates an EEA corporate debit card in Europe.
4032 0368 1354 0364	🧭 EEA=true ; region=EUROPE; productType=CORPORATE; cardType=CREDIT	This PAN simulates an EEA corporate credit card in Europe.
4032 0387 5662 0096	🧭 EEA=true ; region=EUROPE; productType=CORPORATE; cardType=UNKNOWN	This PAN simulates an EEA corporate card in Europe with cardType=UNKNOWN.
4032 0358 5604 7592	🧭 EEA=true ; region=EUROPE; productType=UNKNOWN; cardType=DEBIT	This PAN simulates an EEA card in Europe with productType=UNKNOWN and DEBIT.
4032 0302 9068 3219	🧭 EEA=true ; region=EUROPE; productType=UNKNOWN; cardType=CREDIT	This PAN simulates an EEA card in Europe with productType=UNKNOWN and CREDIT.
4032 0377 5134 3001	🧭 EEA=true ; region=EUROPE; productType=UNKNOWN; cardType=UNKNOWN	This PAN simulates an EEA card in Europe with productType=UNKNOWN and cardType=UNKNOWN.
4032 0307 5488 6225	🧭 EEA=false ; region=USA_CANADA; productType=CONSUMER; cardType=DEBIT	This PAN simulates a non-EEA consumer debit card in USA/CANADA.
4032 0310 2547 6341	🧭 EEA=false ; region=USA_CANADA; productType=CONSUMER; cardType=CREDIT	This PAN simulates a non-EEA consumer credit card in USA/CANADA.
4032 0341 4311 3978	🧭 EEA=false ; region=USA_CANADA; productType=CONSUMER; cardType=UNKNOWN	This PAN simulates a non-EEA consumer card in USA/CANADA with cardType=UNKNOWN.
4032 0309 5816 7398	🧭 EEA=false ; region=USA_CANADA; productType=CORPORATE; cardType=DEBIT	This PAN simulates a non-EEA corporate debit card in USA/CANADA.
4032 0375 4480 7536	🧭 EEA=false ; region=USA_CANADA; productType=CORPORATE; cardType=CREDIT	This PAN simulates a non-EEA corporate credit card in USA/CANADA.
4032 0366 9148 7225	🧭 EEA=false ; region=USA_CANADA; productType=CORPORATE; cardType=UNKNOWN	This PAN simulates a non-EEA corporate card in USA/CANADA with cardType=UNKNOWN.
4032 0325 8917 3860	🧭 EEA=false ; region=USA_CANADA; productType=UNKNOWN; cardType=DEBIT	This PAN simulates a non-EEA card in USA/CANADA with productType=UNKNOWN and DEBIT.
4032 0388 0897 9557	🧭 EEA=false ; region=USA_CANADA; productType=UNKNOWN; cardType=CREDIT	This PAN simulates a non-EEA card in USA/CANADA with productType=UNKNOWN and CREDIT.
4032 0374 2147 1240	🧭 EEA=false ; region=USA_CANADA; productType=UNKNOWN; cardType=UNKNOWN	This PAN simulates a non-EEA card in USA/CANADA with productType=UNKNOWN and cardType=UNKNOWN.

Mastercard Card numbers

1) 3DS scenarios

PAN	Scenario	Description
5333 2591 5564 3223	✅🛡️ 3DS success (transStatus = Y)	This PAN simulates a successful authorization with a successful 3DS authentication (transStatus = Y).
5306 8899 4283 3340	🔒🛡️ 3DS challenge required (transStatus = C)	This PAN simulates a 3DS authentication requiring a challenge (transStatus = C). You must complete the challenge step to proceed.
5187 4346 4359 3002	🔒🛡️ 3DS challenge required (transStatus = C)	This PAN simulates a 3DS authentication requiring a challenge (transStatus = C). You must complete the challenge step to proceed.
5328 7203 8458 2224	⛔🛡️ 3DS authentication refused (transStatus = N)	This PAN triggers a 3DS authentication flow that is refused (transStatus = N). The API responds with HTTP 200 but the payment is declined.

2) Card attributes simulation (EEA / region / productType / cardType)

PAN	Attributes returned	Description
5517 4500 0000 0168	🧭 EEA=false ; region=US ; productType=CONSUMER ; cardType=CREDIT	This PAN simulates a non-EEA consumer credit card in the US.
5223 8599 0000 0174	🧭 EEA=false ; region=US ; productType=CORPORATE ; cardType=DEBIT	This PAN simulates a non-EEA corporate debit card in the US.
5325 0900 0000 0115	🧭 EEA=true ; region=EUROPE ; productType=CORPORATE ; cardType=DEBIT	This PAN simulates an EEA corporate debit card in Europe.
5325 0900 0000 0008	🧭 EEA=true ; region=EUROPE ; productType=CORPORATE ; cardType=DEBIT	This PAN simulates an EEA corporate debit card in Europe.
5486 7467 7300 0005	🧭 EEA=false ; region=EUROPE ; productType=CONSUMER ; cardType=DEBIT; Country=RUS	This PAN simulates a non-EEA consumer debit card with Country=RUS.
5588 1000 0000 0007	🧭 EEA=false ; region=CEMEA ; productType=CONSUMER ; cardType=DEBIT	This PAN simulates a non-EEA consumer debit card in CEMEA.
5122 9400 0000 0009	🧭 EEA=false ; region=LATIN_AMERICA ; productType=CONSUMER ; cardType=DEBIT	This PAN simulates a non-EEA consumer debit card in LATIN_AMERICA.

Amex Card numbers

1) 3DS scenarios

PAN	Scenario	Description
3415 0209 8634 895	✅🛡️ 3DS success (transStatus = Y)	This PAN simulates a successful authorization with a successful 3DS authentication (transStatus = Y).
3486 3826 7931 507	🔒🛡️ 3DS challenge required (transStatus = C)	This PAN simulates a 3DS authentication requiring a challenge (transStatus = C). You must complete the challenge step to proceed.
3456 9539 9207 589	⛔🛡️ 3DS authentication refused (transStatus = N)	This PAN triggers a 3DS authentication flow that is refused (transStatus = N). The API responds with HTTP 200 but the payment is declined.

2) Card attributes simulation (EEA / region / productType)

PAN	Attributes returned	Description
3415 0209 8634 895	🧭 EEA=false ; region=EUROPE ; productType=CONSUMER	This PAN simulates a non-EEA consumer Amex card in Europe.
3486 3826 7931 507	🧭 EEA=false ; region=EUROPE ; productType=CORPORATE	This PAN simulates a non-EEA corporate Amex card in Europe.
3718 4294 2351 004	🧭 EEA=false ; region=EUROPE ; productType=UNKNOWN	This PAN simulates a non-EEA Amex card in Europe with productType=UNKNOWN.
3712 5311 3391 201	🧭 EEA=false ; region=ASIA_PACIFIC ; productType=CONSUMER	This PAN simulates a non-EEA consumer Amex card in ASIA_PACIFIC.
3423 1631 7472 410	🧭 EEA=false ; region=ASIA_PACIFIC ; productType=CORPORATE	This PAN simulates a non-EEA corporate Amex card in ASIA_PACIFIC.
3710 9829 7279 338	🧭 EEA=false ; region=ASIA_PACIFIC ; productType=UNKNOWN	This PAN simulates a non-EEA Amex card in ASIA_PACIFIC with productType=UNKNOWN.

CB Card numbers

These PANs allow you to test how the card is classified under the CB scheme (CB vs co-badged CB_VISA / CB_MASTERCARD) in your integration and reporting.

PAN	Scenario	Description
4020 0235 6597 5380	✅🛡️ 3DS success (transStatus = Y) – scheme: CB	This PAN simulates a successful authorization with 3DS (transStatus = Y) on the CB scheme.
4020 0254 4041 8403	✅🛡️ 3DS success (transStatus = Y) – scheme: CB_VISA	This PAN simulates a successful authorization with 3DS (transStatus = Y) on the CB_VISA scheme.
5232 1035 2372 2651	✅🛡️ 3DS success (transStatus = Y) – scheme: CB_MASTERCARD	This PAN simulates a successful authorization with 3DS (transStatus = Y) on the CB_MASTERCARD scheme.

Troubleshooting (what to check)

If you don’t get the expected outcome, start by checking:

Bank refusals: verify the returned bank refusal code/message in your transaction response or webhook (e.g., 51, 41, 59, 5).
3DS scenarios: verify the returned transStatus. If C, a challenge flow must be completed; if N, the 3DS authentication is refused and the payment is declined; if D, the expected handling depends on your decoupled implementation.
Card attributes: verify the returned card metadata (EEA / region / productType / cardType) in the payment method or transaction details.