A secure testing tool for payment system developers and QA professionals. All test numbers are non-functional and strictly for development environments.

Paystack test cards

Paystack's test mode accepts these cards. Some trigger extra validation steps (PIN, OTP, phone) so you can test each checkout flow.

*All random cards generated are structurally valid but have no actual balance and cannot be used for online payments or real transactions. Any attempt to use these test card numbers for actual purchases is strictly prohibited and illegal. For more details, visit our Terms of Service.

Successful cards

Card number CVV PIN OTP Notes
4084 0840 8408 4081 408 β€” β€” No validation (reusable)
5078 5078 5078 5078 12 081 1111 β€” PIN validation
5060 6666 6666 6666 666 123 1234 123456 PIN + OTP validation
5078 5078 5078 5078 04 884 0000 123456 PIN + phone + OTP validation
5192 6027 2058 4796 123 β€” β€” Bank authentication simulation (reusable)

Source: official Paystack documentation, checked on 2026-09-18

Failed cards

Card number CVV PIN Result
4084 0800 0000 5408 001 β€” Declined
5078 5078 5078 5078 53 082 0000 Token not generated
4084 0800 0067 0037 787 β€” Insufficient funds (API error)

Source: official Paystack documentation, checked on 2026-09-18

Refund scenarios

The payment succeeds; the card decides how a later refund request responds.

Card number CVV Result
4084 0800 0067 1803 180 Refund fails
4084 0800 0067 1902 190 Refund needs attention

Source: official Paystack documentation, checked on 2026-09-18

  • The expiry date can be any date in the future (the documentation shows 09/27).
  • These numbers only work in the provider's test mode. They have no balance and are rejected in production.
  • Providers change their sandbox cards from time to time. If a number stops working, check the linked documentation.
  • Need numbers for a specific BIN instead? Use the test card generator.

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