Testing guide

Know about the different methods to test your integration before going live.

In the test environment, you have the access and flexibility to test and explore the majority of features provided by NetappsPay Payment Service without any actual fund transfers. You will also not be mandated to use a live payment card number connected to a banking network. We facilitate testing by providing both TEST and LIVE endpoints.
The TEST endpoint functions within a sandbox environment and doesn't interact with any banking system. To test transactions in the sandbox environment, you can make do with an imaginary test credit card number.

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This document contains testing guides to help with you information relevant to testing features.

This page includes test card and bank account details and other information to make sure your integration works as planned. Use it to trigger different flows in your integration to simulate both successful and failed transactions with different causes.

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The cards and account numbers provided here work only in the Test Mode

OTPs

All OTPs passed in test mode transactions will pass validation therefore, you can use these special OTPs to simulate specific error scenarios:

  • WRONG OTP: 5548

  • INSUFFICIENT FUNDS: 6648

Bank accounts

To help with the testing process we provide a list of dummy account numbers for you to use to simulate payments.

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

Cards

To help with the testing process we provide a list of card numbers for you to use.

For test card numbers where an expiry date is not specified, any future date may be used.
For test card numbers where a CVN is not specified, any 3 may be used.

Successful payments

TypeCard numberCVVPINExpiryOTP
MasterCard PIN authentication5531886652142950564331009/3212345
Visa Card 3D-Secure authentication (VBVSECURECODE)4187427415564246828331009/3212345
Address Verification (AVS) Card4556052704172643899331009/3212345
MasterCard 3DSecure authentication (VBVSECURECODE)5438898014560229564331010/3112345
Mastercard PIN 25399838383838381470331010/3112345
VBVSECURECODE Card4751763236699647--09/35
VisaCard 3D-Secure Authentication4242424242424242812331001/3112345
Verve Card (PIN)506146041012022780331012/3112345

Failed payments

Use these cards if you want the payment to fail.

Card Declined (Address Verification)5143010522339965276331008/3212345
Card Fraudulent5590131743294314887331011/3212345
Card Insufficient Funds5258585922666506883331009/3112345
Pre-authorization Test Card5377283645077450789331009/31-
Do Not Honour5143010522339965276331008/31-
Insufficient Funds5258585922666506883331009/3112345
Invalid Transaction5551658157653822276-08/31-
Restricted Card, Retain Card5551651630381384276-08/31-
Function Not Permitted to Cardholder5258582054729020887-11/30-
Function Not Permitted to Terminal5258588264565682887-11/30-
Transaction Error5258589130149016887-11/30-
Incorrect PIN5399834697894723883331009/3112345
Verve Card - Card enrolment5531882884804517564331010/32-