Testing
When integrating a payment gateway, you'll need to test your implementation before going live.
Throughout the docs, you'll come across testing tips like these. We'll use them to highlight some information relevant to testing that feature.
We've got test card and bank account details for you to use when testing. The cards cover a variety of use cases and allow you to simulate both successful and failed transactions with different causes.
These cards and accounts only work in Test Mode
OTPs
Any OTP passed in test transactions will pass validation. However, you can use these special OTPs to mock specific error scenarios:
- WRONG OTP: 5548
- INSUFFICIENT FUNDS: 6648
These special OTPs will only work (simulate failed payments) when the OTP validation is happening directly in our payment modal. If you are redirected to our OTP validation page, you'll need to use one of the test cards designated for failed payments.
Bank accounts
Bank account details to use to make a mock payment.
Bank: Access Bank (044)
Account number: 0690000031
OTP: 12345
Bank: Access Bank (044)
Account number: 0690000032
OTP: 12345
Bank: Access Bank (044)
Account number: 0690000033
OTP: 12345
Bank: Access Bank (044)
Account number: 0690000034
OTP: 12345
If you need more Access Bank test account numbers, you can keep incrementing the last digit of the test account numbers above to get new test account numbers, right up to 0690000041.
Mobile money
To make a fake mobile money payment, you can use any mobile number.
Cards
Card details to use to make a mock payment.
Successful payments
Use these cards if you want the payment to succeed.
| Type | Card number | CVV | PIN | Expiry | OTP |
|---|---|---|---|---|---|
| MasterCard PIN authentication | 5531886652142950 | 564 | 3310 | 09/32 | 12345 |
| Mastercard PIN authentication 2 | 5399838383838381 | 470 | 3310 | 10/31 | 12345 |
| MasterCard 3DS authentication | 5438898014560229 | 564 | 3310 | 10/31 | 12345 |
| Visa Card 3DS authentication | 4187427415564246 | 828 | 3310 | 09/32 | 12345 |
| Visa Card 3DS authentication 2 | 4242424242424242 | 812 | 3310 | 01/31 | 12345 |
| Visa Card 3DS authentication 3 | 4751763236699647 | - | - | 09/35 | - |
| Verve Card Noauth | 5061460410120223210 | 780 | 3310 | 12/31 | 12345 |
| Verve Card PIN authentication 2 | 5061460166976054667 | - | 3310 | 10/22 | - |
| Address Verification (AVS) Card | 4556052704172643 | 899 | 3310 | 09/32 | 12345 |
Failed payments
Use these cards if you want the payment to fail.
| Type | Card number | CVV | PIN | Expiry | OTP |
|---|---|---|---|---|---|
| Card Declined (Address Verification) | 5143010522339965 | 276 | 3310 | 08/32 | 12345 |
| Card Fraudulent | 5590131743294314 | 887 | 3310 | 11/32 | 12345 |
| Card Insufficient Funds | 5258585922666506 | 883 | 3310 | 09/31 | 12345 |
| Pre-authorization Test Card | 5377283645077450 | 789 | 3310 | 09/31 | - |
| Do Not Honour | 5143010522339965 | 276 | 3310 | 08/31 | - |
| Insufficient Funds | 5258585922666506 | 883 | 3310 | 09/31 | 12345 |
| Invalid Transaction | 5551658157653822 | 276 | - | 08/31 | - |
| Restricted Card, Retain Card | 5551651630381384 | 276 | - | 08/31 | - |
| Function Not Permitted to Cardholder | 5258582054729020 | 887 | - | 11/30 | - |
| Function Not Permitted to Terminal | 5258588264565682 | 887 | - | 11/30 | - |
| Transaction Error | 5258589130149016 | 887 | - | 11/30 | - |
| Incorrect PIN | 5399834697894723 | 883 | 3310 | 09/31 | 12345 |
| Verve Card - Card enrolment | 5531882884804517 | 564 | 3310 | 10/32 | - |
Bill Payments
Here are some credentials to help you test some billers
| Biller | Credential Type | Credentials |
|---|---|---|
| DSTV | Smart card number | 0025401100 |
| EKEDC | Meter number | 1101160434535 |
The Biller type for making mock DSTV payments is DSTV Payment