Magento 2 Test Credit Card vs Saved Credit Card

• What is a Magento 2 Test Credit Card?

• What is a Magento 2 Saved Credit Card?

• Difference Between Magento 2 Test and Saved Credit Card

• 6 Key Features of Magento 2 Test Credit Cards

• 5 Commonly Used Magento 2 Test Credit Card

• 7 Common Issues and Solutions of Magento 2 Test Credit Card Payment

• FAQs

• Summary

What is a Magento 2 Test Credit Card?

A Magento 2 test credit card is a dummy payment card used in sandbox mode to simulate transactions without real money.

The credit card helps developers and store owners test payment gateways before going live. These include:

• PayPal

• Stripe

• Authorize.net

These test cards verify checkout functionality and detect issues. It also ensures a smooth payment experience for customers.

Magento 2 supports various test credit card numbers with predefined card details. These include MasterCard and American Express.

Sandbox mode must be enabled in the payment gateway settings to use them. It prevents real charges while testing different payment scenarios and error handling.

What is a Magento 2 Saved Credit Card?

A Magento 2 saved credit card is a deprecated payment method. It previously allowed customers to store credit card details directly on the Magento server for future purchases.

The credit card enabled faster checkouts by eliminating the need to enter payment details repeatedly.

Magento no longer supports storing credit card information without tokenization or third-party payment gateways. It is due to PCI DSS compliance requirements.

Modern payment providers like PayPal and Authorize.net offer secure saved card features using tokenization. It ensures that sensitive data is never stored on the Magento server. It enhances security and compliance.

Difference Between Magento 2 Test and Saved Credit Card

Feature	Magento 2 Test Credit Card	Magento 2 Saved Credit Card
1. Definition	It is a simulated credit card that tests payment gateways in sandbox mode.	It is a stored payment method that allows customers to save credit card details for future purchases.
2. Purpose	It helps verify payment gateway functionality without real transactions.	It provides a faster checkout experience by saving customer card details.
3. Real Money Transactions?	All transactions are simulated and do not involve real money.	Real transactions are processed when using a saved card.
4. Where It’s Used	It is used in development and testing environments before going live.	It is used during the customer checkout process for repeat purchases.
5. Data Storage	No actual credit card details are stored. Test numbers are predefined.	Customer credit card details are stored on the Magento server.
6. Availability in Magento 2	It is available in sandbox mode for testing purposes.	Deprecated due to security concerns. It is no longer supported.
7. Replacement Method	No replacement is needed.	It is replaced by tokenized payments via secure third-party gateways.
8. Risk Factor	It involves no risk since transactions are not real.	It involves high risk due to sensitive data storage. It is a security vulnerability.
9. Why It’s Important?	It helps developers test checkout and transaction flows before launching a live store.	It is convenient for customers. Storing credit card details directly posed security threats.

6 Key Features of Magento 2 Test Credit Cards

1. Simulated Transactions

• Magento 2 test credit cards allow merchants and developers to test transactions without real money.

• These test cards mimic actual credit card payments but do not process funds.

• It helps debug payment gateway configurations. It also ensures that the checkout flow works as expected.

2. No Real Money Involved

• Transactions using Magento 2 test credit cards do not involve real financial transfers.

• They simulate real-world scenarios like:

  1. Successful payments

  2. Failed transactions

  3. Refunds

  4. Fraud detection

• Developers can test the system without financial risks. It helps prevent real charges when troubleshooting checkout issues.

3. Supports Multiple Payment Gateways

• Magento 2 test credit cards can be used with popular payment gateways that support sandbox testing. These include:

  1. PayPal

  2. Stripe

  3. Authorize.net

  4. Braintree

  5. Adyen

  6. Square

• Each gateway has specific test card numbers to simulate various payment scenarios.

• It ensures compatibility with multiple payment providers. It also helps merchants choose the best payment solution for their stores.

4. Simulates Different Payment Scenarios

• Magento 2 test credit cards help merchants simulate various real-world payment conditions. These include:

  1. Successful transactions

  2. Declined payments

  3. Expired cards

  4. Insufficient funds

  5. Fraud detection

• It ensures a smooth customer experience by catching errors before launch. It improves fraud detection by testing how different gateways handle suspicious transactions.

5. Requires Sandbox Mode Activation

• Magento 2 test credit cards only work when sandbox mode is enabled. Test transactions will not process without enabling sandbox mode.

• It ensures payments are tested in a safe environment before going live. It also prevents real customer transactions from being mistakenly processed during development.

• It allows merchants to troubleshoot and fix payment issues before launching their stores.

6. Essential for Payment Gateway Testing

• Magento 2 test credit cards help merchants and developers validate payment gateway settings. These include:

  1. Payment authorization & capture

  2. Order status updates

  3. Refund & void transactions

  4. Checkout experience

• It helps prevent checkout errors that can lead to cart abandonment. It also ensures that transactions flow correctly from checkout to order confirmation.

5 Commonly Used Magento 2 Test Credit Card

1. Magento 2 Default Test Credit Cards

Card Type	Test Card Number	CVV	Expiry Date
1. Visa	4111 1111 1111 1111	Any 3 digits	Any future date
2. MasterCard	5555 5555 5555 4444	Any 3 digits	Any future date
3. American Express	3782 822463 10005	Any 4 digits	Any future date
4. Discover	6011 0009 9013 9424	Any 3 digits	Any future date
5. JCB	3530 1113 3330 0000	Any 3 digits	Any future date
6. Diners Club	3056 9309 8250 64	Any 3 digits	Any future date

2. PayPal Sandbox Test Credit Cards

Card Type	Test Card Number	CVV	Expiry Date
1. Visa	4111 1111 1111 1111	Any 3 digits	Any future date
2. MasterCard	5500 0000 0000 0004	Any 3 digits	Any future date
3. American Express	3700 0000 0000 002	Any 4 digits	Any future date
4. Discover	6011 1111 1111 1117	Any 3 digits	Any future date

3. Stripe Test Credit Cards

Basic Stripe Test Cards

Card Type	Test Card Number	Scenario
1. Visa	4242 4242 4242 4242	Standard successful transaction
2. MasterCard	5555 5555 5555 4444	Standard successful transaction
3. American Express	3782 822463 10005	Standard successful transaction
4. Discover	6011 0009 9013 9424	Standard successful transaction

Declined and Failed Transactions

Test Card Number	Scenario
4000 0000 0000 0002	Declined transaction
4000 0000 0000 9989	The card requires 3D secure authentication
4000 0000 0000 0069	Expired card
4000 0000 0000 0119	Insufficient funds

4. Authorize.net Test Credit Cards

Card Type	Test Card Number	CVV	Expiry Date
1. Visa	4111 1111 1111 1111	Any 3 digits	Any future date
2. MasterCard	5424 0000 0000 0015	Any 3 digits	Any future date
3. American Express	3700 0000 0000 002	Any 4 digits	Any future date
4. Discover	6011 0000 0000 0004	Any 3 digits	Any future date

5. Braintree Test Credit Cards

Card Type	Test Card Number	Scenario
1. Visa	4111 1111 1111 1111	Standard successful transaction
2. MasterCard	5555 5555 5555 4444	Standard successful transaction
3. American Express	3782 822463 10005	Standard successful transaction
4. Discover	6011 0009 9013 9424	Standard successful transaction
5. JCB	3530 1113 3330 0000	Standard successful transaction
6. Diners Club	3056 9309 8250 64	Standard successful transaction

7 Common Issues and Solutions of Magento 2 Test Credit Card Payment

Common Issues	Explanation	Solutions
1. Sandbox Mode Not Enabled	Test credit card transactions fail because the sandbox mode is not activated. Payment gateways like PayPal, Stripe, and Authorize.net require sandbox mode for testing.	Navigate to Payment Methods in Magento Admin. Select the payment gateway. Enable Sandbox/Test Mode under the payment gateway settings. Save changes and retry the test transaction.
2. Incorrect Test Credit Card Number Used	The test credit card number is invalid or not supported by the payment gateway. Transactions may fail if a live card number is mistakenly used in test mode.	Only valid test card numbers are used for the payment gateway. Refer to the gateway-specific test credit card list.
3. Invalid CVV or Expiry Date	Transactions fail due to an incorrect CVV or expiration date. Some gateways require specific CVV values for testing.	Use a random three-digit CVV for Visa/MasterCard or a four-digit CVV for American Express. Enter any future expiration date. Ensure the format matches MM/YY or MM/YYYY based on the payment gateway’s requirements.
4. Payment Gateway API Credentials Incorrect	The payment gateway API keys or credentials are not set correctly. The payment provider is rejecting transaction requests.	Navigate to Payment Methods. Select the payment gateway. Verify that the correct API credentials are entered. These include API Key, Secret Key, or Merchant ID. If using PayPal, ensure the sandbox API credentials differ from live credentials. Save changes and test again.
5. Payment Gateway Not Configured Properly	The Magento 2 store does not have the correct payment gateway settings. Payment method options are missing during checkout.	Go to payment methods. Check if the payment gateway is enabled. Ensure the merchant account details are entered correctly. Verify that the test credit card option is visible at checkout.
6. SSL Certificate Not Installed	Some payment gateways require SSL encryption to process payments. Transactions fail due to an unsecured connection.	Ensure your Magento 2 store is running on HTTPS. If SSL is not enabled, go to Web and update. Use Secure URLs in Frontend and Admin to Yes. Install an SSL certificate if not already configured.
7. Checkout Page Errors or Freezing	The Magento 2 checkout page gets stuck or does not process the payment. The “Place Order” button does not respond.	Go to Cache Management and clear the Magento cache. Disable the third-party extensions that may cause conflicts. Open the browser console and check JavaScript errors. Enable developer mode to troubleshoot issues.

FAQs

1. How do I use a Magento 2 test credit card?

Enable sandbox mode in your payment gateway settings. Enter the test card details, including the card number and CVV, in the required fields. Place an order and confirm the transaction to check if the system processes payments correctly.

2. Can a user complete a transaction with a Magento 2 test credit card?

A user can complete a test transaction using predefined test card numbers. These transactions are not real and do not process actual payments. They help merchants troubleshoot payment issues before launching their online website.

3. Why is my Magento 2 test credit card not working?

If your Magento 2 test credit card is not working, check if sandbox mode is enabled. Ensure all required fields are correctly filled, including card number and CVV. Also, verify that your bank allows test transactions and confirm that API credentials are correctly configured.

4. Which banks support Magento 2 test credit cards?

Magento 2 test credit cards are not linked to real banks but work with payment gateways. These gateways provide predefined test card numbers for sandbox testing. A user must enter the correct details in the required fields and confirm the transaction.

Summary

Magento 2 test credit cards help developers simulate transactions without real money, ensuring payment gateways function correctly. The article explores the key features of the cards, including:

• Mimic real payments to test and debug checkout functionality.

• Transactions simulate different scenarios without financial risk.

• Works with multiple payment gateways, including PayPal, Stripe, and Authorize.net.

• Tests successful payments, declined transactions, and fraud detection.

Ensure smooth transactions and secure checkout with a Magento 2 test credit card. Pair it with managed Magento hosting for hassle-free store management.