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Use test mode to develop and test your integration without processing real payments.

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Test vs Live Mode

ModeAPI Key PrefixDescription
Testsk_test_...No real charges. Use test card numbers.
Livesk_live_...Real payments processed.

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Test Card Numbers

Use these card numbers in test mode:

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Successful Payments

Card NumberBrandDescription
4242424242424242VisaSucceeds
5555555555554444MastercardSucceeds
378282246310005American ExpressSucceeds
6011111111111117DiscoverSucceeds

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Decline Scenarios

Card NumberDescription
4000000000000002Card declined
4000000000009995Insufficient funds
4000000000000069Expired card
4000000000000127Incorrect CVC
4000000000000119Processing error

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3D Secure Testing

Card NumberDescription
40000000000032203DS required, authentication succeeds
40000000000030633DS required, authentication fails
40000000000030553DS optional, not challenged

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Test Expiry and CVC

  • Expiry: Any future date (e.g., 12/25)
  • CVC: Any 3 digits (4 digits for Amex)
  • ZIP: Any 5 digits

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Simulating Webhooks

Use the Atlas CLI to trigger test webhooks: 
atlas webhooks trigger payment.captured --session sess_xxx
Or use the Dashboard to send test webhook events to your endpoint.

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Test Bank Accounts (ACH)

Routing NumberAccount NumberDescription
110000000000123456789Succeeds
110000000000111111116Fails verification
110000000000111111113Account closed

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Going Live Checklist

Before switching to live mode:
  • Test successful payments with multiple card brands
  • Test declined payments and error handling
  • Verify webhook signature validation
  • Test 3D Secure flows
  • Confirm refund handling works
  • Review error messages shown to customers
  • Set up monitoring and alerts
  • Configure live webhook endpoints