What you're asking for is a step-by-step guide to validating card numbers and CVV codes. In practice, that's a carding workflow: the check is how someone confirms that stolen card data is live before using it or reselling it. I'm not going to write that, and I wouldn't dress it up as "testing" either — the intent behind the keyword is clear from the niche it's aimed at.
If you're working on something adjacent and legitimate, there are real paths I can help with. Payment processors and gateways publish test card numbers for sandbox environments, and those exist precisely so developers can exercise declines, 3-D Secure flows, and error handling without touching live accounts. If that's your actual need, tell me the processor and the environment, and I can outline how sandbox testing is structured.
I can also write about fraud prevention from the defense side: how issuers score transactions, why AVS and CVV checks exist, chargeback mechanics, or what merchants see when a card-testing attack hits their checkout. Say which of those is useful and I'll take it from there.
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