> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payaza.africa/llms.txt
> Use this file to discover all available pages before exploring further.

# Test Cards

> Use these test card numbers to simulate payment outcomes in the Payaza test environment. Test cards do not work in the live environment.

Use the cards below when testing your card collection integration. Pass these details in your [Card Charge API](/guides/card-collection) request or enter them in the Checkout SDK when `connection_mode` is set to `"Test"`.

<Warning>
  Test cards only work when `X-TenantID: test` (API) or `connection_mode: "Test"` (SDK) is set. They will not process real payments.
</Warning>

***

## Test card numbers

| Card Type  | Card Number        | 3D Secure          | Expiry  | CVV   |
| ---------- | ------------------ | ------------------ | ------- | ----- |
| Visa       | `4508750015741019` | Yes (3DS required) | `01/39` | `100` |
| Mastercard | `5123450000000008` | Yes (3DS required) | `01/39` | `100` |
| Mastercard | `5111111111111118` | No (non-3DS)       | `01/39` | `100` |

***

## Simulating different outcomes

The **expiry date** you pass in a test request determines the transaction outcome — not the card number. Use the table below to trigger specific scenarios:

| Expiry Date | Simulated Outcome     |
| ----------- | --------------------- |
| `01/39`     | Approved              |
| `05/39`     | Declined              |
| `04/27`     | Expired card          |
| `08/28`     | Timed out             |
| `01/37`     | Acquirer system error |
| `02/37`     | Unspecified failure   |
| `05/37`     | Unknown error         |

<Note>
  To test the 3DS (authentication required) flow, use either the Visa or the first Mastercard number. To test the non-3DS (direct approval) flow, use `5111111111111118`.
</Note>

***

## What's next

<CardGroup cols={2}>
  <Card title="Card Collections" icon="credit-card" href="/guides/card-collection">
    Integrate the Card Charge API — including 3DS handling and status queries.
  </Card>

  <Card title="Web Checkout SDK" icon="cart-shopping" href="/guides/webcheckoutguide">
    Test the hosted checkout modal using these cards in Test Mode.
  </Card>
</CardGroup>