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Test payment links

Last updated: October 24, 2023

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

Marketing Hub Starter, Professional, Enterprise
Sales Hub Starter, Professional, Enterprise
Service Hub Starter, Professional, Enterprise
Operations Hub Starter, Professional, Enterprise
CMS Hub Starter, Professional, Enterprise

Before sharing your payment link with a contact, you can test the link to make sure it works as expected and experience your customer's payment journey. Using a test mode, you can replicate the actions that take place in actual payment scenarios, without actually charging a credit card. Testing your payment links is especially important for higher payment amounts.

You can test payments made via credit card or ACH. However, you cannot test payment links for recurring payments.

To access your payment link for testing:

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


  • The link will open in test mode, and a banner will appear at the top of the checkout page that indicates you are in test mode. Enter values from the tables below to complete a test purchase. You can use any address information during your test in addition to the sample credit card or ACH information.

When you test your payment links, a new contact record will be created using the buyer email address entered in test mode as long as a contact record does not already exist for this email address. A deal record will also be created with (Test) included before the deal name.

An email notification will be sent to you and to the buyer email address that you used to test the link, and you will receive a test payout email.


Please note: while a test payment can create a contact and associated deal, it will not create a payment record. This also means that workflows based on payment records will not trigger from payment link tests.

Test payment links for payments via credit card

Below is a set of sample credit card numbers that you can use to test payment links, including numbers for testing various failure scenarios. Along with the sample credit card numbers, use following values for other fields:

  • Billing address: any address
  • Expiration date: any valid future date
  • Security code (CVC): any random number
  • Name on the card: any alphabetical string
  • PIN code: any 3 digits (4 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

To simulate a failed payment, use the values from the table below.

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

You can also test successful and failed ACH payments using the bank routing and account numbers in the table below.

Routing number Account number Status description


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