Payment methods for testing

Use these test cards and accounts to simulate transactions in your sandbox. You can use these example cards and accounts to make test transactions via the API or any of Payabli’s hosted payment solutions, like the virtual terminal or payment pages.

Simulate a successful transaction

Use these test cards and accounts for transactions in sandbox.

Cards

Use these with any future expiration date.

ACH

Simulate a decline

To simulate a card decline, use this card with a transaction amount of $0.20 (20 cents) in the request. You can use any future date for the expiration date.

The request should return a decline response like this:

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{
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    "responseText": "Declined",
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    "isSuccess": false,
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    "pageIdentifier": null,
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    "responseData": {
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        "authCode": null,
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        "referenceId": "124-d541b0a9d1774bf3871f1d967abaaaaaa",
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        "resultCode": 2,
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        "resultText": "201: Do not honor. The customer’s issuing bank is unwilling to accept the transaction.. DECLINED",
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        "avsResponseText": null,
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        "cvvResponseText": null,
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        "customerId": 12345,
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        "methodReferenceId": null
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    }
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}