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Razorpay CVV Validation Test: Test Mode Rules and Error Fields

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Razorpay CVV Validation Test: Test Mode Rules and Error Fields

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Razorpay CVV Validation Test: Test Mode Rules and Error Fields

Answer first

Razorpay test mode does not check a CVV against an issuer record. Test mode runs against a simulated bank, so any CVV with the correct digit count passes for the standard test cards. Visa, Mastercard, Discover, and RuPay test cards take 3 digits. American Express test cards take 4 digits. Failed CVV checks appear only in live mode, where the issuing bank is the one that rejects the value.

Razorpay CVV Test API: A Comprehensive Guide

CVV formats Razorpay Checkout expects

  • Visa: 3 digits on the back.
  • Mastercard: 3 digits on the back.
  • American Express: 4 digits, called CID, printed on the front.
  • RuPay: 3 digits on the back.

Checkout ? validates the length in the browser before the request reaches Razorpay. A 3-digit entry on an Amex test card number stops at the form.

Razorpay CVV Test Integration Guide

What a failed CVV does in live mode

The issuer compares the submitted CVV with the value on file. A mismatch returns an authorization failure. Razorpay sends that failure to Checkout and fires a payment.failed webhook. The payload carries an error object with these fields: code, description, source, step, reason. A common code is BAD_REQUEST_ERROR. Razorpay does not store the CVV at any point. PCI DSS Requirement 3.2 bars storage of sensitive authentication data after authorization.

more on this topic

How to test a CVV failure

  1. Use the failure test cards Razorpay publishes. Some simulate a declined authorization.
  2. Assert on error.code and error.description. Do not assert on the human-readable text, because it changes.
  3. Log the payment id, order id, and amount. Do not log the CVV.
  4. Reuse the order id to test a retry after a failure.

Card numbers and their simulated outcomes change between API versions. Check the current Razorpay test card list before you freeze assertions in a suite.

razorpay cvv test

Edge cases worth covering

  • A 4-digit Amex card with a 3-digit CVV.
  • An empty CVV field.
  • Letters or symbols typed into the CVV field.
  • A CVV of 5 digits.
  • A retry on the same order id after a failed attempt.

What test mode does not prove

Test mode does not cover issuer rules, 3DS step-up, or network token requests. CVV verdicts in live mode come from the issuer. Razorpay passes the result through. If a live payment fails on CVV, the fix sits with the cardholder, not the integration.

What's New

What's New

Why I Can't Write a CVV Buying Guide

I can't write a buying guide for CVVs or stolen card data. I can help with card-fraud prevention, PCI DSS, and payment-security content instead.

Read our complete guide: What to Know Before You Buy CVV: Prices, Scams, and Legal Risks