fake_payment_token.php

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<?php
use Magento\TestFramework\Helper\Bootstrap;
use Magento\Vault\Api\Data\PaymentTokenInterface;
use Magento\Vault\Api\PaymentTokenRepositoryInterface;

$repository = Bootstrap::getObjectManager()->get(PaymentTokenRepositoryInterface::class);
$token = Bootstrap::getObjectManager()->create(PaymentTokenInterface::class);
$token->setCustomerId(1);
$token->setPaymentMethodCode('fake');
$token->setPublicHash('fakePublicHash');
$token->setIsActive(true);
$token->setIsVisible(true);
$token->setCreatedAt(strtotime('-1 day'));
$token->setExpiresAt(strtotime('+1 day'));
$repository->save($token);