My Merchant Account Blog
My Merchant Account Blog should help you with your merchant account and electronic payment gateway. Also
hopefully it will help explain some fraud attempts and how to notice fraud
on your orders.
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Credit Card Testing Numbers
Saturday, April 12, 2008
When you complete a credit card transaction on an electronic payment gateway, chances are very good you will be charged for the transaction. The transaction is going through a transaction provider and to a card association (Visa / MasterCard / Discover / American Express). The card association charges a fee to access their environment. To overcome this, LinkPoint created staging servers. Through this staging server, a web developer can mimic a transaction to verify the transaction and response.Since credit card numbers are developed using the Lunh's method or mod-10 algorithm, not just any number that meets these requirements can be sent. These test credit card numbers can be used on your live LinkPoint account. If you use these credit card numbers on your live (production) LinkPoint account, your account will be charged accordingly. If these numbers are used on a testing (staging) server, no fees will be collected.
| Card Type | Card Number | Exp Date |
Amount | Number of Digits |
|---|---|---|---|---|
| Visa | 4005550000000019 | current mm/yy |
$1.00 | 16 digits |
| MasterCard | 5424180279791765 | current mm/yy |
$1.00 | 16 digits |
| Discover | 6011000993010978 | current mm/yy |
$1.00 | 16 digits |
| American Express (Corporate) |
372700997251009 | current mm/yy |
$1.00 | 15 digits |
If the numbers above are used on your production (live) account, you will receive an approved response.
If you need to receive a declined transaction on your live LinkPoint account, use these numbers:
| Card Type | Card Number | Expiration Date |
Number of Digits |
|---|---|---|---|
| Visa | 4111111111111111 | any mm/yy | 16 digits |
| Visa | 4012888888881881 | any mm/yy | 16 digits |
| MasterCard | 5215521552155215 | any mm/yy | 16 digits |
| MasterCard | 5105105105105100 | any mm/yy | 16 digits |
| American Express (Corporate) |
378282246310005 | any mm/yy | 15 digits |
| American Express | 371449635398431 | any mm/yy | 15 digits |
| Discover | 6011111111111117 | any mm/yy | 16 digits |
| Discover | 6011000990139424 | any mm/yy | 16 digits |
| JCB | 3530111333300000 | any mm/yy | 16 digits |
| JCB | 3566002020360505 | any mm/yy | 16 digits |
Keep in mind that if you use your live LinkPoint account for any transaction, you will be charged. The test store from LinkPoint comes with the LinkPoint Basic / HTML, LinkPoint API, and LinkPoint Virtual terminal. You will be able to mimic LinkPoint transactions in a testing environment with be assessed any fees.
The LinkPoint Gateway
The LinkPoint Gateway is one of the larger electronic payment gateways in the United States. It was one of the first Internet payment gateways to offer a staging server for web developers. For some of its competitors, it was years before they offered a testing environment.After First Data completely owned 100% of Cardservice International, the LinkPoint gateway was the largest electronic payment gateway using First Data's platforms. The LinkPoint payment gateway was still being branded as YourPay through some of First Data's partner channels. And LinkPoint basically consumed the SurePay electronic payment gateway through mergers and acquisitions.
You might still hear YourPay being used today, but the LinkPoint gateway can also be called Integrated Internet Payments (IIP).