What OTP do I use for Razorpay 3DS testing?

In Razorpay test mode, use OTP 1234 to complete 3DS authentication successfully. This works for all test card numbers that trigger the OTP flow.

Does Razorpay support international cards?

Razorpay supports international cards in production, but test mode is primarily designed for Indian domestic cards. RuPay is only available through Razorpay (and other Indian gateways) — it's not accepted internationally.

RuPay is India's domestic card network, launched by NPCI. It's used for domestic Indian transactions and is the network behind many debit cards issued by Indian banks. Razorpay fully supports RuPay cards.

Razorpay Test Cards — Sandbox Card Numbers

Verified Razorpay test cards for Visa, Mastercard, RuPay, and OTP-based 3DS flows in the Indian payments ecosystem.

Last updated: April 2026

verifiedVerified against Razorpay documentation — April 22, 2026

Official docsopen_in_new

Razorpay is India's leading payment gateway. Test cards work in the Razorpay test mode and are primarily used with the Razorpay Checkout SDK and Payments API. Use INR as the currency for test transactions.

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Showing 10 of 10 test cards

Card Number	Network	Scenario	Code	Notes
4111 1111 1111 1111TEST ONLY	Visa	Successful paymentIndia	—	Expiry: any future date. CVV: any 3 digits. Name: any.
4012 8888 8888 1881TEST ONLY	Visa	Successful payment (alternate)India	—	—
5267 3182 4177 0775TEST ONLY	Mastercard	Successful paymentIndia	—	—
6070 1000 2000 0004TEST ONLY	RuPay	Successful payment (RuPay)India	—	RuPay domestic card for Indian market testing.
4111 1111 1111 1111TEST ONLY	Visa	3DS — OTP authentication requiredIndia	—	Indian cards require OTP-based 3DS by default. OTP: 1234 in test mode.
4000 0000 0000 0002TEST ONLY	Visa	Declined — genericIndia	PAYMENT_FAILED	—
4000 0000 0000 9995TEST ONLY	Visa	Declined — insufficient fundsIndia	BAD_REQUEST_ERROR	—
4000 0000 0000 0119TEST ONLY	Visa	Declined — processing errorIndia	GATEWAY_ERROR	—
5425 2334 3010 9903TEST ONLY	Mastercard	Successful — domestic MastercardIndia	—	—
4000 0000 0000 0127TEST ONLY	Visa	Declined — invalid CVVIndia	BAD_REQUEST_ERROR	—

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

What it does

RuPay domestic cards

RuPay cards specific to the Indian payments ecosystem, not available in other payment gateways.

OTP-based 3DS simulation

Indian cards require 3DS OTP by default. In test mode, use OTP 1234 to authenticate.

INR currency testing

All Razorpay test cards are designed for INR transactions.

Decline simulation

Cards that trigger PAYMENT_FAILED, BAD_REQUEST_ERROR, and GATEWAY_ERROR responses.

How to use Razorpay Test Cards — Sandbox Card Numbers

1
Enable Razorpay test mode
Log in to your Razorpay Dashboard and toggle to Test Mode. Get your test key_id and key_secret.
2
Use INR amounts
Create payments in INR (smallest unit is paisa — multiply rupees by 100).
3
Enter test card
Use any future expiry and any CVV. Razorpay will prompt for an OTP in test mode.
4
Enter OTP 1234
In Razorpay test mode, OTP 1234 always succeeds for 3DS authentication.

Indian card payments: 3DS is mandatory

Unlike the European market where 3DS is required under PSD2 above certain thresholds, in India all domestic card transactions require 3DS OTP authentication by default. There are no frictionless exemptions for most consumer transactions. This means that when integrating Razorpay (or any Indian payment gateway), your checkout flow must handle the OTP redirect step — it cannot be bypassed. In test mode, OTP 1234 always succeeds, making it straightforward to test the complete flow.

Frequently Asked Questions

What OTP do I use for Razorpay 3DS testing?: In Razorpay test mode, use OTP 1234 to complete 3DS authentication successfully. This works for all test card numbers that trigger the OTP flow.
Does Razorpay support international cards?: Razorpay supports international cards in production, but test mode is primarily designed for Indian domestic cards. RuPay is only available through Razorpay (and other Indian gateways) — it's not accepted internationally.
What is RuPay?: RuPay is India's domestic card network, launched by NPCI. It's used for domestic Indian transactions and is the network behind many debit cards issued by Indian banks. Razorpay fully supports RuPay cards.

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