Test Credentials

It is important to test your integration before going live to make sure it works properly. That’s why we created test bank accounts, mobile money numbers and test cards for you to simulate different payment scenarios as you integrate with Transactpay.

ScenarioBank CodeAccount Number
Successful Payout0330000000000
Error: Invalid Account0350000000000
Failed Payout0119999999999

Test Cards

When testing your Transactpay integration for card payments, you can trigger specific responses and results for your transaction operations using various test cards.

Card transaction test details

Standard test cards – all supported regions

Use the following standard test cards unless specific cards for your acquirer and region are provided in the other sections. To test the 3D Secure authentication functionality in more detail and using the 3DS emulator, see testing your 3DS integration.

You can use different expiry dates, CSC/CVV values, and the billing address street names in the request to generate different responses.

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UATP cards do not support CSC/CVV and 3DS.

Please note that "3-D Secure Enrolled" means 3DS is supported for testing these cards with authentication.channel=PAYER_BROWSER in the INITIATE_AUTHENTICATION API, but not with other channels.

You can use different expiry dates, CSC/CVV values, and the billing address street names in the request to generate different responses.

Test CardsCard Number3-D Secure Enrolled (Respectively)
Mastercard5123450000000008 , 2223000000000007, 5111111111111118, 2223000000000023Y , Y, N , N
Visa4508750015741019, 4012000033330026Y, N
American Express345678901234564, 371449635398431Y, N
Diners Club30123400000000, 36259600000012Y, N
JCB3528000000000007, 3528111100000001Y, N
Discover6011003179988686, 6011963280099774Y, N
Maestro5000000000000000005, 5666555544443333Y, N
UATP
(UATP cards do not support CSC/CVV and 3DS)
135492354874528, 135420001569134N,N

Transaction responses for standard test cards

Expiry DateTransaction Response Gateway Code
01 / 39APPROVED
05 / 39DECLINED
04 / 27EXPIRED_CARD
08 / 28TIMED_OUT
01 / 37ACQUIRER_SYSTEM_ERROR
02 / 37UNSPECIFIED_FAILURE
05 / 37UNKNOWN

CSC/CVV responses for standard test cards

CSC/CVVCSC/CVV Response Gateway Code
100MATCH
101NOT_PROCESSED
102NO_MATCH

CSC/CVV responses for American Express Cards

CSC/CVVCSC/CVV Response Gateway Code
1000MATCH
1010NOT_PROCESSED
1020NO_MATCH

AVS responses for standard test cards

Billing Address StreetAVS Response Gateway Code
Alpha StADDRESS_MATCH
Gamma StNOT_VERIFIED
November StNO_MATCH
Romeo StSERVICE_NOT_AVAILABLE_RETRY
Sierra StSERVICE_NOT_SUPPORTED
Uniform StNOT_AVAILABLE
Whiskey StZIP_MATCH
X-ray StADDRESS_ZIP_MATCH
Kilo StNAME_MATCH
Oscar StNAME_ADDRESS_MATCH
Lima StNAME_ZIP_MATCH
Zero StNOT_REQUESTED

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Test cards and bank accounts cannot be used in Live mode or for real payments.