Test Cards

These cards work only with test API keys (gc_test_*) against the staging gateway. They never charge real money.

Card	3DS Behavior	Result
4012000000020071	Frictionless	Approve
5100270000000023	Frictionless	Approve
4012000000020006	Challenge (password: 3ds2)	Approve
4012000000020121	Frictionless	Decline

CVV: any 3 digits. Expiry: any future month and year. Cardholder name: any. Billing address: any valid-looking address.

What "frictionless" and "challenge" mean

• Frictionless 3DS — the gateway authenticates the cardholder behind the scenes without showing them anything. Used for low-risk transactions.
• Challenge 3DS — the gateway redirects the customer to their bank's authentication page. The test card uses password 3ds2 for this.

Picking a card

• For a happy-path approval test, use Visa frictionless (4012000000020071).
• To test the 3DS challenge UI flow, use the challenge card (4012000000020006).
• To test your decline-handling code, use the decline card (4012000000020121).

Going live

When you switch to a live API key (gc_live_*), test cards stop working. Real cards work, real money moves. Test thoroughly with a small live amount before launch.

Other gateway test data

Genius Checkout currently uses the PowerTranz / First Atlantic Commerce sandbox. Their full test card matrix and ISO response code reference is in the merchant dashboard under Settings → Gateway → Test Mode.