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Card payments with the test credentials are refused with 10111 and 10113, which depend on the account behind the token. python -m app.mercadopago_probe shows that account (and whether it is a test user), the card methods it accepts, and how Mercado Pago classifies a card's first digits: type, issuer and instalments. It creates and charges nothing. Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>