Test cards

When building with Flutterwave, we understand you need to test your implementations in a test environment before going live. That is why we've provided you with a list of test cards to use for test purposes. The cards cover a variety of use cases and simulations for failed and successful transactions with specific messages.

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OTP

Basically any OTP passed in test transactions will work. However, you can use these specific OTPs to mock transactions on staging:

WRONG OTP: 5548
INSUFFICIENT FUNDS: 6648

PS: These OTP's will only work when the PIN validation is happening directly on the modal. If you are redirected to our VBV mocked OTP validation page, you will be required to use any of our test cards mocked for those experiences.

Test MasterCard PIN authentication

Card number: 5531 8866 5214 2950
cvv: 564
Expiry: 09/32
Pin: 3310
OTP: 12345

Test Visa Card 3D-Secure authentication (VBVSECURECODE)

Card number: 4187 4274 1556 4246
cvv: 828
Expiry: 09/32
Pin: 3310
OTP: 12345

Address Verification (AVS) Card

Card number: 4556052704172643
cvv: 899
Expiry: 09/32
Pin: 3310
OTP: 12345

Test MasterCard 3DSecure authentication (VBVSECURECODE)

Card number: 5438 8980 1456 0229

cvv: 564

Expiry: 10/31

Pin: 3310

OTP: 12345

Test Mastercard PIN 2

Card number: 5399 8383 8383 8381

cvv: 470

Expiry: 10/31

Pin: 3310

OTP: 12345

Test VBVSECURECODE Card

Card number: 4751 7632 3669 9647

Expiry: 09/35

Test VisaCard 3D-Secure Authentication

Card number: 4242 4242 4242 4242

cvv: 812

Expiry: 01/31

Pin: 3310

OTP: 12345

Test Verve Card (PIN)

Card number: 5061 4604 1012 0223 210

cvv: 780

Expiry Month: 12

Expiry Year: 31

Pin: 3310

OTP: 12345

Test card Declined (Address Verification)

Card number: 5143 0105 2233 9965

cvv: 276

Expiry: 08/32

Pin: 3310

Test Card Fraudulent

Card number: 5590 1317 4329 4314

cvv: 887

Expiry: 11/32

Pin: 3310

OTP: 12345

Test Card Insufficient Funds

Card number: 5258 5859 2266 6506

cvv: 883

Expiry: 09/31

Pin: 3310

OTP: 12345

Pre-authorization Test Card

Card number: 5377 2836 4507 7450

cvv: 789

Expiry: 09/31

Pin: 3310

Test card - Do Not Honour

Card number: 5143010522339965

cvv: 276

Expiry: 08/31

Pin: 3310

Test Card - Insufficient Funds

Card number: 5258585922666506

cvv: 883

Expiry: 09/31

Pin: 3310

OTP: 12345

Test Card - Invalid Transaction

Card number: 5551658157653822

cvv: 276

Expiry: 08/31

Test Card - Restricted Card, Retain Card

Card number: 5551651630381384

cvv: 276

Expiry: 08/31

Test Card - Function Not Permitted to Cardholder

Card number: 5258582054729020

cvv: 887

Expiry: 11/30

Test Card - Function Not Permitted to Terminal

Card number: 5258588264565682

cvv: 887

Expiry: 11/30

Test Card - Transaction Error

Card number: 5258589130149016

cvv: 887

Expiry: 11/30

Test Card - Incorrect PIN

Card number: 5399834697894723

cvv: 883

Expiry: 09/31

Pin: 3310

OTP: 12345

Test Verve Card - Card enrolment

Card number: 5531882884804517

cvv: 564,

Expiry: 10/32,

Pin: 3310