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25-Feb-2018 23:09

Most credit card acceptance agencies also provide a “test” site that does everything but actually bill someone.

There you can see auth/post/settle transactions (as if they’d really happened) etc.

Credit card numbers that conform to the Luhn formula (MOD 10 check).

Usefull for testing e-commerce sites (because they should get past any pre-validation you do, and be declined at the card processor or bank stage).

I also review this list periodically to make sure all survey sites listed here are still active and all links are working.

Please feel free to drop me a comment if know any good legit survey panels not listed here or you find any broken links or any survey sites that are “dead” and should be removed from the list, thank you!

‘virtually nil’ is a good description First of all – with regard to testing CC numbers – if you’re testing against a LIVE CREDIT CARD ACCEPTANCE SITE – you really need to have your head examined.

If the guidelines are relaxed, then you’ll have yourself a merchant account. Furthermore, if the provider you apply to specializes in high risk merchant services, then you’ve already won the battle. BUT, keep in mind that there are some providers that don’t specialize in high risk, but still have relaxed guidelines (i.e. A word of caution…Don’t skimp on reviewing the details of your contract. There are a number of reasons why a provider would consider your business as high risk. As I mentioned above, some providers are more risk averse than others.Test sites cost too, but they’re usually MUCH cheaper – since they don’t really have to bother banks and such – so you might get by with one or two cents a transaction – or a half-cent per – depending on the site. Depending on the site, it will either accept a limited range of valid card numbers, or (as the one I use does) any facially valid card is accepted. If you’re using a test site, it doesn’t give a damn.Cards that are not facially valid send back a standard CARD_DENY [reason code] message so you can test negative-path too. Put in any CCC you wish, and give the purchaser any name you want.The first thing that you need to understand is that while one provider might consider you high risk…another may not.

It all depends on their risk department (underwriting) guidelines.

Just wondering if you have picked numbers from a range than is not used by the cc companies and thus guaranteed to be invalid or if you’re just assuming that the chances of a random credit card number and a random expiry date matching up are as slim as to be virtually nil.