Test Payments

You can use the following test details to test different payment channels.

Cards

Card expiry date

The expiry date for each card can be any date in the future.

Successful Cards

No validation(reusable)

4084 0840 8408 4081

Expiry02/27
CVV408
PIN validation

5078 5078 5078 5078 12

Expiry02/27
CVV081
Pin1111
PIN + OTP validation

5060 6666 6666 6666 666

Expiry02/27
CVV123
Pin1234
OTP123456
PIN + Phone + OTP validation

5078 5078 5078 5078 04

Expiry02/27
CVV884
Pin0000
OTP123456
Bank Auth Simulation(reusable)

5192 6027 2058 4796

Expiry02/27
CVV123

Failed Cards

Declined

4084 0800 0000 5408

Expiry02/27
CVV001
Token Not Generated

5078 5078 5078 5078 53

Expiry02/27
CVV082
Pin0000

Refunds

To test for certain refunds scenario, you can use these cards when completing a transaction. The transaction will be successful but the card used determines the response of a refund request.

Failed

4084 0800 0067 1803

Expiry02/27
CVV180
Needs attention

4084 0800 0067 1902

Expiry02/27
CVV190

API Errors

Insufficent funds

4084 0800 0067 0037

Expiry02/27
CVV787

EFT

Account usage

These accounts are supposed to be used to test for certain refunds scenario. However, since the accounts will always cause the transaction to be successful, you can also use them to test for successful transactions. The title on the cards show what the refund status will be when you initiate a refund on the transaction.

Failed

101 220 493 6

Needs attention

101 220 493 5

Bank Accounts

Nigerian merchants

Nigerian merchants can use a regular bank account to create a transfer recipient when testing in test mode.

Zenith Bank(transaction)

000 000 000 0

Birthday1999-04-20
OTP123456
Zenith Bank(transfer)

000 000 000 0

Code057
Kuda Bank

+234 810 000 000 0

Code50211
Token123456

Mobile Money

No PIN/OTP

055 123 498 7

NetworkMTN
No PIN/OTP

+254 710 000 000

NetworkM-Pesa
CIV - Orange

070 000 000 0

NetworkOrange
OTP1234

Dedicated Virtual Account

You can make use of the sample bank application we created to initiate a transfer to your test virtual account. If you simply want to try out the dedicated virtual account product, kindly make use of the test account below:

Demo Bank

123 000 164 4

Pin0000