Test Cards for Indian Recurring Payments - Card

Available in🇮🇳 India

Use these test cards to test card-based recurring payment flows in test mode. The flow has two stages:

Mandate registration (initial payment) – the customer authorises the card mandate.
Subsequent (auto-debit) payments – Razorpay charges the registered token each time you initiate a debit.

Watch Out!

You can use these test cards to make payments in test mode only.
Test mode features a mock bank page with Success and Failure buttons to replicate the live payment experience.
No real money is deducted due to the usage of test API keys. This is a simulated transaction.
A subsequent (auto-debit) payment is simulated to reach its terminal state (Success or Failure) about 5 minutes after it is created, with the relevant Razorpay webhook triggered. This is done to let you validate the flow quickly without waiting. This differs from Live Mode, where a PDN (Pre-Debit Notification) is sent first, and the actual debit can happen only after a mandatory 24-hour TAT. Test Mode does not make calls to the Mandate Hubs, so no PDN (Pre-Debit Notification) or AFA (Additional Factor of Authentication) messages are triggered for any of the simulated scenarios below.
If you use these test cards for live mode payments, either of the following error messages is displayed: card issuer is invalid or invalid card input.

To use the test card details:

At the Checkout, select Card as the payment method.
Enter the card number for the scenario you want to test.
Enter any random CVV and any future date as the expiry date.
Consent to tokenisation for the recurring mandate when prompted.
Click Pay. A sample bank/payment page is displayed.
- Select Success to complete the mandate registration.
- Select Failure to simulate a failed mandate registration.
For a subsequent payment, first register the mandate with the same card number, then charge the token via the Charge a Token API or the Dashboard. The payment reaches its terminal state about 5 minutes later.

Use the following cards for testing. You can use any random CVV and any future date as the expiry date.

Test Cards for Mandate Registration (Happy Flow)

Use these cards to register a card mandate successfully (initial authorisation transaction).

Network	Card Number	CVV & Expiry Date
Visa	4100 2800 0000 1007	Use a random CVV and any future date
Mastercard	5305 6200 0006 0000	Use a random CVV and any future date
RuPay	6527 6589 0000 1005	Use a random CVV and any future date

For backward compatibility, the Visa card 4718 6091 0820 4366 (previously documented for Subscriptions) continues to work for the happy mandate-registration flow.

Test Cards for Subsequent Payments (Happy Flow)

First register the mandate using one of the cards below, then attempt the subsequent (auto-debit) payment using the same card number. The subsequent payment moves to Success about 5 minutes after it is created.

Network	Card Number	CVV & Expiry Date
Visa	4100 2800 0000 1007	Use a random CVV and any future date
Mastercard	5305 6200 0006 0000	Use a random CVV and any future date
RuPay	6527 6589 0000 1005	Use a random CVV and any future date

Error Scenarios – Mandate Registration

Use these test cards to simulate error conditions during mandate registration. Once you initiate the payment, on the success/failure screen you must select Failure to get the relevant error.

BAD_REQUEST_ERROR

Error reason	Error description	Network	Card number	Testing scenario
`insufficient_funds`	Your payment could not be completed due to insufficient account balance. Try another card or payment method.	Visa	4100 2800 0008 0001	Card mandate registration payment- failed due to Insufficient balance in customer bank account
`insufficient_funds`	Your payment could not be completed due to insufficient account balance. Try another card or payment method.	Mastercard	5305 6200 0005 0001	Card mandate registration payment- failed due to Insufficient balance in customer bank account
`payment_timed_out`	Payment was not completed on time.	Visa	4100 2800 0009 0000	Card mandate registration payment- failed due to timeout from customer end.
`payment_timed_out`	Payment was not completed on time.	Mastercard	5305 6200 0006 0000	Card mandate registration payment- failed due to timeout from customer end.
`card_declined`	Your payment didn’t go through as it was declined by the bank. Try another payment method or contact your bank.	Visa	4100 2800 0005 0004	Card mandate registration payment- failed due to bank decline.
`card_declined`	Your payment didn’t go through as it was declined by the bank. Try another payment method or contact your bank.	Mastercard	5305 6200 0002 0004	Card mandate registration payment- failed due to bank decline.
`payment_cancelled`	Your payment has been cancelled. Try again or complete the payment later.	Visa	4100 2800 0007 0002	Card mandate registration payment- failed due to user cancellation during payment
`payment_cancelled`	Your payment has been cancelled. Try again or complete the payment later.	Mastercard	5305 6200 0004 0002	Card mandate registration payment- failed due to user cancellation during payment
`card_mandate_card_` `not_supported`	This card is not eligible for recurring payments. Please use a different card.	Visa	4100 2800 0006 0011	Card mandate registration payment- failed as the card is not eligible for recurring payments.
`card_mandate_card_` `not_supported`	This card is not eligible for recurring payments. Please use a different card.	Mastercard	5305 6200 0003 0011	Card mandate registration payment- failed as the card is not eligible for recurring payments.
`card_mandate_card_` `not_supported`	This card is not eligible for recurring payments. Please use a different card.	RuPay	6527 6589 0004 0011	Card mandate registration payment- failed as the card is not eligible for recurring payments.
`card_mandate_bin_` `not_supported`	Card BIN not supported for recurring payments.	RuPay	6527 6500 0007 0022	Card mandate registration payment- failed as the card number BIN is not eligible for recurring payments at Rupay Mandate Hub.
`card_disabled_for_` `online_payments`	Your card has been disabled for online payments by your issuing bank. Please reach out to your bank or re-try the payment with another card or method.	Visa	4100 2800 0003 0006	Card mandate registration payment- failed as the card is disabled for online payments.
`card_disabled_for_` `online_payments`	Your card has been disabled for online payments by your issuing bank. Please reach out to your bank or re-try the payment with another card or method.	Mastercard	5305 6200 0000 0006	Card mandate registration payment- failed as the card is disabled for online payments.

GATEWAY_ERROR

Error reason	Error description	Network	Card number	Testing scenario
`card_not_enrolled`	Your payment could not be completed as this card is not enabled for online payments. Try another payment method or contact your bank for details.	Visa	4100 2800 0004 0013	Card mandate registration payment- failed as the card enrollment is not captured at Gateway
`card_not_enrolled`	Your payment could not be completed as this card is not enabled for online payments. Try another payment method or contact your bank for details.	Mastercard	5305 6200 0001 0013	Card mandate registration payment- failed as the card enrollment is not captured at Gateway
`card_not_enrolled`	Your payment could not be completed as this card is not enabled for online payments. Try another payment method or contact your bank for details.	RuPay	6527 6589 0002 0013	Card mandate registration payment- failed as the card enrollment is not captured at Gateway
`gateway_technical_error`	Your payment could not be completed due to incorrect OTP or verification details. Try another payment method or contact your bank for details.	Visa	4100 2800 0000 0009	Card mandate registration payment- failed as incorrect OTP / verification details are passed
`gateway_technical_error`	Your payment could not be completed due to incorrect OTP or verification details. Try another payment method or contact your bank for details.	Mastercard	5305 6200 0007 0009	Card mandate registration payment- failed as incorrect OTP / verification details are passed

BIN Not Supported Scenario: Token Rejected Despite Successful Registration for Visa and MastarcardFor the following Visa and Mastercard cards, the mandate registration payment succeeds (select Success on the payment page), but the recurring token is later rejected at the Mandate Hub because the card BIN is not supported. The rejection is communicated via a Razorpay webhook when mandate creation is attempted (card_mandate_bin_not_supported).

Network	Card number	Testing scenario
Visa	4100 2800 0005 0012	Recurring mandate token rejection due to card BIN not supported at Mandate Hubs end. For Visa card the scenario arises as: The card mandate registration payment- succeeds(hence, select Success in payment page), but recurring token gets rejected by triggering a webhook when mandate creation is attempted at Mandate Hubs.
Mastercard	5305 6200 0002 0012	Recurring mandate token rejection due to card BIN not supported at Mandate Hubs end. For Mastercard card the scenario arises as: The card mandate registration payment- succeeds(hence, select Success in payment page), but recurring token gets rejected by triggering a webhook when mandate creation is attempted at Mandate Hubs.

Error Scenarios – Subsequent Payments

Use these test cards to simulate error conditions during subsequent (auto-debit) payments. First successfully register the mandate using the same card number, then attempt the subsequent payment. The payment reaches its terminal (failed) state about 5 minutes after it is created, with the relevant Razorpay webhook triggered.

BAD_REQUEST_ERROR

Error reason	Error description	Network	Card number	Testing scenario
`insufficient_funds`	Your payment could not be completed due to insufficient account balance. Try another card or payment method.	Visa	4718 6000 0007 0021	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due to Insufficient balance in customer bank account
`insufficient_funds`	Your payment could not be completed due to insufficient account balance. Try another card or payment method.	Mastercard	5370 2800 0004 0021	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due to Insufficient balance in customer bank account
`insufficient_funds`	Your payment could not be completed due to insufficient account balance. Try another card or payment method.	RuPay	3539 2000 0005 0021	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due to Insufficient balance in customer bank account
`token_not_eligible`	Token is not confirmed for recurring payments.	Visa	4718 6091 2002 0014	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due to an attempt made on a unconfirmed token.
`token_not_eligible`	Token is not confirmed for recurring payments.	Mastercard	5370 2800 2009 0014	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due to an attempt made on a unconfirmed token.
`pre_debit_notification_` `failed`	The payment request failed as the pre-debit notification was not sent to the customer.	Visa	4718 6091 2001 0015	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due PDN failure(i.e. customer not notified error).
`pre_debit_notification_` `failed`	The payment request failed as the pre-debit notification was not sent to the customer.	Mastercard	5370 2800 2008 0015	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due PDN failure(i.e. customer not notified error).
`card_mandate_not_active`	Card mandate is not active.	Visa	4718 6091 2000 0016	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due customer cancellation of the mandate after the payment is created, it is determined when PDN is verified.
`card_mandate_not_active`	Card mandate is not active.	Mastercard	5370 2800 2007 0016	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due customer cancellation of the mandate after the payment is created, it is determined when PDN is verified.
`card_mandate_not_active`	Card mandate is not active.	RuPay	3539 2024 2000 0016	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due customer cancellation of the mandate after the payment is created, it is determined when PDN is verified.
`customer_action_required`	The payment request failed as the pre-debit notification was not approved.	Visa	4718 6091 2009 0017	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed as customer did not approve Additional Factor of Authentication (AFA) request when debit amount is greater than the AFA limits(link), it is determined when PDN is verified.
`customer_action_required`	The payment request failed as the pre-debit notification was not approved.	Mastercard	5370 2800 2006 0017	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed as customer did not approve Additional Factor of Authentication (AFA) request when debit amount is greater than the AFA limits(link), it is determined when PDN is verified.
`token_expired`	Token has expired and cannot be used for recurring payments.	Visa	4718 6091 2008 0018	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed when its found out that the recurring token will be expiring before the debit attempt is tried(which is after 5 minutes in Test mode)
`token_expired`	Token has expired and cannot be used for recurring payments.	Mastercard	5370 2800 2005 0018	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed when its found out that the recurring token will be expiring before the debit attempt is tried(which is after 5 minutes in Test mode)
`token_expired`	Token has expired and cannot be used for recurring payments.	RuPay	3539 2024 2008 0018	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed when its found out that the recurring token will be expiring before the debit attempt is tried(which is after 5 minutes in Test mode)
`card_mandate_paused`	Card mandate is not active, it is paused by the user.	Visa	4718 6091 2007 0019	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due to customer pausing the mandate after the payment is created but before the debit is executed, it is determined when PDN is verified.
`card_mandate_paused`	Card mandate is not active, it is paused by the user.	Mastercard	5370 2800 2004 0019	First successfully register the mandate using this same card number, then attempt the subsequent payment. Card mandate subsequent payment- failed due to customer pausing the mandate after the payment is created but before the debit is executed, it is determined when PDN is verified.

Handy Tips

The customer_action_required scenario simulates a debit amount greater than the Additional Factor of Authentication (AFA) limit, where the customer did not approve the AFA request. Know more in the Card Recurring Payments FAQs.
The card_mandate_not_active and card_mandate_paused scenarios simulate the customer cancelling or pausing the mandate after the payment is created but before the debit is executed. This is determined when the pre-debit notification (PDN) is verified.

Cards

eMandate

Paper NACH

Wallets

Test Cards for Indian Recurring Payments - Card

Test Cards for Mandate Registration (Happy Flow)

Test Cards for Subsequent Payments (Happy Flow)

Error Scenarios – Mandate Registration

Error Scenarios – Subsequent Payments

​Test Cards for Mandate Registration (Happy Flow)

​Test Cards for Subsequent Payments (Happy Flow)

​Error Scenarios – Mandate Registration

​Error Scenarios – Subsequent Payments

Test Cards for Mandate Registration (Happy Flow)

Test Cards for Subsequent Payments (Happy Flow)

Error Scenarios – Mandate Registration

Error Scenarios – Subsequent Payments