Data to Test Integration

For all transactions, use the following test bank, card, UPI, and wallet numbers to trigger all validations and transfers for payouts and cashgram. Add these details while adding the beneficiary, and mock the transfer responses to the provided results.

Please note that transfers to any other details other than the ones mentioned below fail. Test mode payouts and validations simulate a live payout but don't get processed with the bank.


All different modes and validation for the TEST and PROD environment have to be enabled by Cashfree Payments before you attempt. You can contact your account manager or write to [email protected] to enable it for your account.

Test Account Details

The SMS notification service is unavailable on the TEST environment, and the OTP is standard across all OTP requests. It is 111000.

Account Holder Names

Use the below details to test account holder name validation.

Given NameName SpecifiedMatch ScoreMatch ResultAccount Number
JOHN DOEjohn doe100.00DIRECT_MATCH26291800001191
JOHN DOEjohn d85.00GOOD_PARTIAL_MATCH26291800001191
JOHN DOEj doe70.00MODERATE_PARTIAL_MATCH26291800001191
JOHN DOEjane d38.00POOR_PARTIAL_MATCH26291800001191
TOM WELLStom wells100.00DIRECT_MATCH1233943142
TOM WELLStim lee38.00POOR_PARTIAL_MATCH1233943142
BOB HOPEbob hope100.00DIRECT_MATCH388108022658
BOB HOPEbob h85.00GOOD_PARTIAL_MATCH388108022658
BOB HOPEbane hue38.00POOR_PARTIAL_MATCH388108022658

Bank Numbers

For banks, the primary parameters for transfer would be the bank account and IFSC number included while adding the beneficiary. Use these test bank numbers to test payouts to a card. Utilized only with test API keys.

Account NumberIFSCRemarks
000100289877623SBIN0008752Failed at bank
2640101002729CNRR0002640Failure – Invaid IFSC code
026291800001190YESB0000262Failure – Invalid Account number
02014457596969CITI0000001Success (later to Reversed)

Card Numbers

For cards, the primary parameter for transfer would be the card number included while adding the beneficiary. Use these test card numbers to test payouts to a card. Utilized only with test API keys.

Card NumberRemarks
4434260000000000Successful card transfer
4434260000000001Failed card transfer


For wallets, the primary parameter for transfer would be the phone number included while adding the beneficiary. Use these wallet numbers to test payouts to a wallet. Utilized only with test API keys.

Phone NumberRemarks
9999999999Paytm successful wallet transfer
8888888888Paytm successful wallet transfer
7777777777AmazonPay successful wallet transfer
6666666666AmazonPay successful wallet transfer


For UPI, the primary parameter for transfer would be the UPI VPA included while adding the beneficiary. Use these UPI VPA to test payouts to an account. Utilized only with test API keys.

[email protected]Successful UPI transfer
[email protected] and [email protected]Failed UPI transfer

While in TEST mode, as long as valid external bank information and other relevant conditions get covered, it never requires real identity verification or other interactive steps that are part of the custom account workflow. We also provide a robust postman collection to help test and get started.

The security is on the Bearer token approach, and everything is on https. Also, as another security feature, we accept requests only from whitelisted servers. However, in cases of elastic load balancers, static IPs are not an option. We support dynamic IPs architecture through a public key encryption method.

Aadhaar Number

Aadhaar NumberRemarks

Aadhaar OKYC

Aadhaar NumberOTPRemarks
655675523712111000Aadhaar Verification Successfull
655675523712000111OTP Invalid
655675523712000222Verification Failed
655675523711000113OTP Invalid
655675523710111000Invalid Aadhaar Number
655675523709111000Verification Failed




Individual PAN - ABCPV1234DValid
Individual PAN - XYZP4321WValid
Business PAN - ABCCD8000TValid
Business PAN - XYZH2000LValid
Individual PAN - DEFPV0126DInvalid
Individual PAN - TUVP5678WInvalid
Business PAN - LMNCD8010TInvalid
Business PAN - EFGH2020LInvalid