Test Credentials

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In a Nutshell
Before going live, thoroughly test your integration using Transactpay's sandbox tools—including test bank accounts, mobile money numbers, and test card scenarios—to simulate both successful and failed transactions.

Transactpay provides a robust sandbox environment that helps you test different payment scenarios, error states, and authentication flows before handling real money.

Test Cards

Use the test card numbers below to simulate various outcomes like approved, declined, or expired cards.

Master Card (Approved)

5123 4500 0000 0008

EXPIRY CVV
01/39 100

Visa Card (Declined)

4508 7500 1574 1019

EXPIRY CVV
05/26 101

American Express (Expired)

3456 7890 1234 564

EXPIRY CVV
04/27 1000

Master Card (Timed Out)

5123 4500 0000 0008

EXPIRY CVV
08/28 102

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Note:
UATP cards do not support CSC/CVV or 3D Secure (3DS).

3D Secure Test Support

Cards marked as "3D Secure Enrolled" support 3DS testing when using:

"authentication.channel": "PAYER_BROWSER"

in the INITIATE_AUTHENTICATION API.

Test Cards by Network

Network	Test Card Numbers	3D Secure Enrolled
Mastercard	5123450000000008, 2223000000000007, 5111111111111118, 2223000000000023	✅, ✅, ❌, ❌
Visa	4508750015741019, 4012000033330026	✅, ❌
American Express	345678901234564, 371449635398431	✅, ❌
Diners Club	30123400000000, 36259600000012	✅, ❌
JCB	3528000000000007, 3528111100000001	✅, ❌
Discover	6011003179988686, 6011963280099774	✅, ❌
Maestro	5000000000000000005, 5666555544443333	✅, ❌
UATP	135492354874528, 135420001569134	❌, ❌

Expiry Date-Based Responses

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

CSC / CVV Test Values

Standard Cards

Code	Result
`100`	`MATCH`
`101`	`NOT_PROCESSED`
`102`	`NO_MATCH`

American Express

Code	Result
`1000`	`MATCH`
`1010`	`NOT_PROCESSED`
`1020`	`NO_MATCH`

AVS (Address Verification Service) Responses

Street Name	AVS Response
Alpha St	`ADDRESS_MATCH`
Gamma St	`NOT_VERIFIED`
November St	`NO_MATCH`
Romeo St	`SERVICE_NOT_AVAILABLE_RETRY`
Sierra St	`SERVICE_NOT_SUPPORTED`
Uniform St	`NOT_AVAILABLE`
Whiskey St	`ZIP_MATCH`
X-ray St	`ADDRESS_ZIP_MATCH`
Kilo St	`NAME_MATCH`
Oscar St	`NAME_ADDRESS_MATCH`
Lima St	`NAME_ZIP_MATCH`
Zero St	`NOT_REQUESTED`

Bank Account Test Scenarios

Scenario	Bank Code	Account Number
✅ Successful Payout	033	0000000000
❌ Invalid Account	035	0000000000
⚠️ Failed Payout	011	9999999999

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Important
All test data and responses only work in Test Mode. They are disabled in Live Mode and should not be used for real transactions.