NMI Test Card Numbers
Official NMI (Network Merchants) sandbox test card numbers, plus 3-D Secure cards for frictionless, challenge and bypassed flows.
NMI sandbox accounts accept 4111 1111 1111 1111 (Visa), 5431 1111 1111 1111 (Mastercard) and 3411 111111 11111 (Amex) with expiry 10/29. Submit an amount below 1.00 to trigger a decline. For 3-D Secure, use the dedicated frictionless, challenge and bypassed cards.
Last verified against NMI's official documentation on .
Standard test cards
| Card number | Brand | Result | Copy |
|---|---|---|---|
4111 1111 1111 1111 | Visa | Sandbox test card | |
5431 1111 1111 1111 | Mastercard | Sandbox test card | |
6011 0009 9130 0009 | Discover | Sandbox test card | |
3411 111111 11111 | American Express | Sandbox test card | |
3020 525248 9926 | Diners Club | Sandbox test card | |
3541 9635 9457 2595 | JCB | Sandbox test card | |
6799 9901 0000 0000 019 | Maestro | Sandbox test card 19-digit |
3-D Secure test cards
Each brand has a frictionless, a challenge and a bypassed number.
| Card number | Brand | Result | Copy |
|---|---|---|---|
4100 0000 0000 0100 | Visa | Frictionless authentication | |
4100 0000 0000 5000 | Visa | Challenge | |
4100 0000 0030 0005 | Visa | Authentication bypassed | |
5100 0000 0000 0107 | Mastercard | Frictionless authentication | |
5100 0000 0000 5007 | Mastercard | Challenge | |
5100 0000 0030 0002 | Mastercard | Authentication bypassed | |
6440 0000 0000 0104 | Discover | Frictionless authentication | |
6440 0000 0000 5004 | Discover | Challenge | |
3400 000000 00108 | American Express | Frictionless authentication | |
3400 000000 05008 | American Express | Challenge |
Amount and CVV triggers
| Scenario | Value | Effect |
|---|---|---|
| Decline | Amount below 1.00 | Transaction is declined |
| CVV match | 999 | CVV match response |
Before you use these
- NMI sandbox accounts are already in test mode, so these work without switching anything on.
- NMI does not publish a per-card decline list; use the amount trigger to test declines.
- These numbers are published by NMI for sandbox testing. They are not real cards and cannot be used for a real purchase.
How to use NMI test cards
- Switch your NMI integration to its test or sandbox environment and use test credentials. Live credentials reject these numbers.
- Enter a card number from the tables above. Expiry: 10/29. Security code: CVV 999 returns a match.
- Start with a successful card to confirm the happy path, then work through the decline and error cards so every failure message in your checkout gets exercised.
- Run the authentication cards through your full checkout to test the 3-D Secure challenge and its success and failure outcomes.
- Use the trigger values (amount and cvv triggers) to simulate outcomes that are not tied to a card number.
NMI test card FAQ
How do I trigger a decline in the NMI sandbox?
Submit a transaction for an amount below 1.00. Any of the standard test cards will then be declined.
What are the NMI test card numbers?
NMI sandbox accounts accept 4111 1111 1111 1111 (Visa), 5431 1111 1111 1111 (Mastercard) and 3411 111111 11111 (Amex) with expiry 10/29. Submit an amount below 1.00 to trigger a decline. For 3-D Secure, use the dedicated frictionless, challenge and bypassed cards.
Do NMI test cards work in production?
No. These numbers are only recognised by the NMI test environment and are rejected by the live platform. They are not real cards and cannot be used for a purchase.
How do I test a declined payment with NMI?
NMI triggers failures through amount and cvv triggers as well as dedicated card numbers. Both are listed on this page.