Does Mollie require SCA for all EU transactions?

Under PSD2, SCA is required for most EU card transactions above €30. Mollie enforces this in production. In test mode, specific test cards trigger the SCA flow so you can verify your implementation handles the authentication redirect correctly.

What is Mollie's test mode API key format?

Mollie test API keys start with test_. Production keys start with live_. Always confirm you're using a test_ key for sandbox transactions.

Can I test iDEAL, Bancontact, or other local methods?

Mollie supports many European local payment methods in addition to cards. Test card numbers are for card payments only. For iDEAL and Bancontact testing, Mollie provides separate test flows in their documentation.

Mollie Test Cards — Sandbox Card Numbers

Verified Mollie test cards for EU payment testing including PSD2-required SCA and 3DS flows.

Last updated: April 2026

verifiedVerified against Mollie documentation — April 22, 2026

Official docsopen_in_new

Mollie is a leading European payment service provider. In test mode, Mollie simulates payment outcomes using specific card numbers and magic amounts. Test keys are available in your Mollie dashboard under test mode.

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Showing 8 of 8 test cards

Card Number	Network	Scenario	Code	Notes
4242 4242 4242 4242TEST ONLY	Visa	Successful paymentEU	—	Any future date, any CVV.
5555 5555 5555 4444TEST ONLY	Mastercard	Successful paymentEU	—	—
4000 0000 0000 0002TEST ONLY	Visa	Declined — card declinedEU	card_declined	—
4000 0000 0000 9995TEST ONLY	Visa	Declined — insufficient fundsEU	insufficient_funds	—
4000 0000 0000 0069TEST ONLY	Visa	Declined — expired cardEU	expired_card	—
4000 0025 0000 3155TEST ONLY	Visa	3DS — SCA challenge required (PSD2)EU	—	Requires SCA under PSD2. Complete the challenge to proceed.
4000 0038 0000 0446TEST ONLY	Visa	3DS — frictionless (no challenge)EU	—	Passes 3DS without user challenge.
4000 0000 0000 0127TEST ONLY	Visa	CVC — does not matchEU	incorrect_cvc	—

TEST ONLY. These numbers will not process real transactions. Use only in Mollie's sandbox environment with test API credentials.

What it does

PSD2/SCA test cards

Cards that trigger SCA under PSD2, plus frictionless authentication cards for testing SCA exemptions.

EUR currency focus

Test cards designed for EUR transactions in Mollie's European sandbox environment.

Decline scenarios

Cards for card_declined, insufficient_funds, expired_card, and CVC failure responses.

Verified against Mollie docs

Cards verified against docs.mollie.com.

How to use Mollie Test Cards — Sandbox Card Numbers

1
Create Mollie test account
Sign up at mollie.com and use test mode. Access test API keys from your Mollie dashboard.
2
Use EUR test amounts
Mollie test transactions work best with EUR amounts above €0.01.
3
Enter test card
Use any future expiry and any CVV with these test cards.
4
Handle the redirect
Mollie may redirect to its hosted checkout for 3DS flows. Complete the test authentication to return to your site.

PSD2 and SCA: what European developers need to know

PSD2's Strong Customer Authentication requirement means that most European card transactions require at least two of: something the user knows (password/PIN), something the user has (phone for OTP), something the user is (biometric). 3DS2 is the primary way card payments fulfill SCA. Mollie's test cards let you verify that your integration correctly triggers the 3DS flow for transactions above the €30 threshold and handles the redirect back to your confirmation page after authentication.

Frequently Asked Questions

Does Mollie require SCA for all EU transactions?: Under PSD2, SCA is required for most EU card transactions above €30. Mollie enforces this in production. In test mode, specific test cards trigger the SCA flow so you can verify your implementation handles the authentication redirect correctly.
What is Mollie's test mode API key format?: Mollie test API keys start with test_. Production keys start with live_. Always confirm you're using a test_ key for sandbox transactions.
Can I test iDEAL, Bancontact, or other local methods?: Mollie supports many European local payment methods in addition to cards. Test card numbers are for card payments only. For iDEAL and Bancontact testing, Mollie provides separate test flows in their documentation.