Card Collection Testing

Use staging for all test card scenarios and webhook validation.

Test Cards

Card TypeCard Number3DSExpiryCVVResult
Visa4508 7500 1574 1019Yes01/39100Approved
Mastercard5123 4500 0000 0008Yes01/39100Approved
Mastercard5111 1111 1111 1118No01/39100Approved

To simulate failures, use these expiry dates:

  • 05/39 for decline
  • 04/27 for expired card
  • 08/28 for timeout behavior

What To Validate

  1. Hosted checkout opens correctly from the returned checkout_link.
  2. Your application stores both reference and transactionRef.
  3. Transaction webhooks arrive and are verified correctly.
  4. The verify API returns the same final outcome you observed from webhooks.
  5. Refund flows are handled correctly if you support them operationally.

Recommended Test Matrix

  1. Successful 3DS payment
  2. Successful non-3DS payment
  3. Declined card scenario
  4. Expired card scenario
  5. Timeout scenario
  6. Webhook retry handling
  7. Manual verify fallback after checkout completion

Related Pages