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Test payment links

Last updated: October 24, 2025

Available with any of the following subscriptions, except where noted:

Test your checkout experience before sharing a payment link or quote with a contact to ensure everything works as expected. Use test mode to replicate real payment scenarios without charging a credit card or processing a bank debit.

You can test payments made via credit card or bank debit (e.g., ACH). You can't test payment links for recurring payments.

Learn more about the accepted payment methods and their associated fees for HubSpot payments and Stripe payment processing. If you don't have a payment processing option set up, you can still test your payment link, but contact and deal records won't be created.

Access payment links for testing

To access your payment link for testing:

  1. In your HubSpot account, navigate to Commerce > Payment Links.
  2. Hover over the link and click Actions, then select Open link in test mode.

    A screenshot showing the 'Open link in test mode' option in the actions menu.
  3. The link will open in test mode. A banner will appear at the top of the checkout page to indicate that you're in test mode.
  4. Enter payment information from the sample credit card or bank debit information to complete a test purchase. You can use any address information.

    A screenshot of a checkout page with a banner at the top indicating 'This is a test checkout'.
  5. When you test your payment links, if you have HubSpot payments or Stripe payment processing set up, a new contact record will be created using the email address entered at the checkout in test mode, as long as a contact record doesn't already exist for the email address.
  6. If the setting to create deals from a payment link is turned on, a deal record will also be created with (Test) included before the deal name. View the deal on the deal index page, or on the deal association panel of the contact

A screenshot of a deal card showing the '(Test)' tag next to the deal name.

Please note: while a test payment can create a contact and associated deal, it won't create payment or subscription records. Workflows based on payment records won't trigger from payment link tests.

Test payment links for payments via credit card

Use the sample credit card numbers below to test payment links. Credit card numbers for testing failure scenarios are also included. Use the following values for other fields:

  • Billing address: any address.
  • Expiration date: any future date.
  • Security code (CVC): any random number.
  • Name on the card: any text string.
  • PIN code: any three digits (four digits for American Express card).
Credit card number Brand
4242424242424242 Visa
4000056655665556 Visa (debit)
5555555555554444 Mastercard
2223003122003222 Mastercard (2-series)
5200828282828210 Mastercard (debit)
5105105105105100 Mastercard (pre-paid)
378282246310005 American Express
371449635398431 American Express
6011111111111117 Discover
6011000990139424 Discover
3056930009020004 Diners Club
36227206271667 Diners Club (14-digit card)
3566002020360505 JCB
6200000000000005 UnionPay

Use the credit card numbers below to simulate a failed payment.

Credit card number Error message
4000000000000036 ZIP code validation fails & payment is declined
4000000000000002 Card is declined
4000000000009995 Payment is declined due to insufficient funds
4000000000000069 Payment is declined due to an expired card
4000000000000127 Payment is declined due to incorrect CVC

Test payment links for payments via ACH

Use the information below to test payments via ACH direct debit.

Routing number Account number Status description

110000000

000123456789 Success
000111111116 Failure upon use
000111111113 Account closed
000222222227 NSF/insufficient funds
000333333335 Debit not authorized
000444444440 Invalid currency

Test payment links for payments via BACs

Use the information below to test payments via BACs.

Sort code Account number Status description

108800

00012345 Success
11111116 Failure upon use
11111113 Account closed
22222227 Insufficient funds
33333335 Debit not authorized
44444440 Invalid currency
66666668 Payout fails if method is instant. Bank account is not eligible for Instant Payouts

Test payment links for PADs

Use the information below to test payments via PADs.

Institution number Transit number Account number Status description

000

1100

000123456789 Succeeds after micro-deposits are verified
900123456789 Succeeds the payment with a three-minute delay after micro-deposits are verified
000222222227 Fails the payment immediately after micro-deposits are verified
900222222227 Fails the payment with a three-minute delay after micro-deposits are verified
000666666661 Fails to send verification micro-deposits

To mimic successful or failed bank account verifications in test mode, use the below amounts for micro-deposits:

Micro-deposit values Error message
32 or 45 Successfully verifies the account
Any other number combinations  Fails account verification

Test payment links for SEPA

Use the information below to test payments via SEPA.

IBAN Status description
GB82WEST12345698765432 Payout succeeds
GB55WEST12345698765433 Payment fails due to no account found
GB89370400440532013002 Payout fails due to a closed account
GB89370400440532013003 Payment fails due to insufficient funds
GB89370400440532013004 Payment fails due to debit not authorized
GB89370400440532013005 Payment fails due to invalid currency
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