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

- 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.
- Enter payment information from the sample credit card or bank debit information to complete a test purchase. You can use any address information.

- 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.
- 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.

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 |
