Network token test cards

Last updated: 2026-01-25

The following test cards apply to Visa, Mastercard, and American Express.

Scenario	PAN	Expiry
Tokenising a valid card - 2 sec after tokenisation, the token status becomes ACTIVE for payments	Any card	xx/2031
Card not eligible error	Any card	xx/2032
Issuer not supported error	Any card	xx/2033
Tokenising a valid card to test token life cycle - 2 sec after tokenisation, the token status becomes ACTIVE for payments - 3 sec later, the token status becomes SUSPENDED (for example, the card is being renewed) - 3 sec later, the token status becomes ACTIVE for payments - 3 sec later, the token status becomes DELETED (for example, the account has been closed)	Any card	xx/2034
Tokenising a valid card to test card updates - 2 sec after tokenisation, new card data is received (last4, expiration date)	Any card	xx/2035
Card cannot be tokenised error	Any card	xx/2036
Tokenising a valid card to receive invalid network token state - 2 sec after tokenisation, the token status becomes ACTIVE for payments - 5 min later, the token status becomes SUSPENDED and invalid token state is returned - 5 min later, the token status becomes ACTIVE for payments - 5 min later, the token status becomes DELETED and invalid token state is returned	Any card	xx/2041
Tokenising an unknown card	Any card with BIN not belonging to a scheme's range	Any expiry date
Tokenising an invalid PAN	Any card with invalid Luhn check	Any expiry date

Network token generation in UAT environment

In the UAT environment, the token PAN is a randomly generated number that begins with a pre-defined token BIN, specific to each card scheme. The token BINs are as follows:

Visa: 462294
Mastercard: 512345
Amex: 371732

These tokens maintain the same length as the Full Primary Account Number (FPAN) and successfully pass the Luhn check, ensuring their validity. The token BINs are legitimate and recognized by the respective card schemes. Additionally, the cryptogram associated with these tokens is hardcoded to a fixed value, mirroring the format of a production cryptogram. This setup allows the tokens and cryptograms returned by the UAT environment to be utilized for simulating payment transactions within a controlled environment.