PHP Technology

Credit Card Numbers for Payment Gateway Testing

I recently developed a site that utilized a merchant gateway. I had the gateway in “Test” mode so i could process fake transactions to ensure the system was working properly.

The only fake credit card number I could use was 4111111111111111 which is denoted as a VISA card.

Anyhow, I wanted to make sure I could test with other numbers so I tried putting in random 16 digit numbers. Doing so caused the gateway to return an error, “Invalid Credit Card #”

The reason for this is because the credit card number was not a Mod-10 Credit card number. Mod-10 is used to validate credit card numbers.

Anyhow, here are 2 credit card numbers that you can use for credit card testing when interacting with a payment gateway in test mode:

1. 4111111111111111
2. 4111111111111103

How it verify Mod-10:

1. Take a credit card number and reverse it: 1111111111111114

2. Now multiple each even digit by 2.

1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 4
_ 2 _ 2 _ 2 _ 2 _ 2 _ 2 _ 2 _ 2

Which is: 2+2+2+2+2+2+2+8 = 22

Note:If any results from your multiples of 2 are 2 digits or greater, then split the digits and add them together
So if 2×6=12 you would add (1+2) not 12
2+2+2+2+ (1 + 2)…

3. Now add the odd digits to 22, 22 + 1 + 1 + 1 +1 +1 +1 + 1 + 1 = 30

4. Now divide by 10

30/10 = 3

Since there is no remainder the card number is Mod-10. If there is a remainder, then the card # is NOT Mod-10

Now with this method you can come up with your own Mod-10 Numbers for testing.

The CVV can be used as 123

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By Swatantra Kumar

Swatantra is an engineering leader with a successful record in building, nurturing, managing, and leading a multi-disciplinary, diverse, and distributed team of engineers and managers developing and delivering solutions. Professionally, he oversees solution design-development-delivery, cloud transition, IT strategies, technical and organizational leadership, TOM, IT governance, digital transformation, Innovation, stakeholder management, management consulting, and technology vision & strategy. When he's not working, he enjoys reading about and working with new technologies, and trying to get his friends to make the move to new web trends. He has written, co-written, and published many articles in international journals, on various domains/topics including Open Source, Networks, Low-Code, Mobile Technologies, and Business Intelligence. He made a proposal for an information management system at the University level during his graduation days.

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