WiPay
Payments APIv1.0.9

Testing

Test cards, sandbox environment, and testing best practices

WiPay considers testing to be the single most important aspect of any integration. Testing ensures your web-based application behaves consistently and predictably when using the Payments API.

Sandbox Environment

Set environment=sandbox in your API request to use the sandbox.

  • Sandbox account_number: 1234567890
  • Sandbox API Key for response-hash verification: 123

Important notes:

  • All reporting features are disabled for sandbox transactions
  • Payees and Payors do not receive automated emails
  • Transaction History information will not be available
  • The API behaves consistently for both live and sandbox transactions
  • The test cards on this page are valid only when environment=sandbox

Hosted Checkout Test Cards

Use these cards to test Payments API and Trusted Card sandbox flows that open a WiPay-hosted checkout or card-entry page.

  • Any expiry date in the current month and year or later will work
  • Any CVV/CVC value will work
  • Any cardholder name will work
  • Any total and any supported currency will work unless the scenario itself says otherwise

Non-3DS

CodeBrandCard Number3DSScenario
CYS-NON3DS-V-STDVisa4111111111111111NoneNon-3DS payment test
CYS-NON3DS-M-STDMastercard5555555555554444NoneNon-3DS payment test
CYS-NON3DS-M-2SERIES-01Mastercard2222420000001113NoneNon-3DS payment test
CYS-NON3DS-M-2SERIES-02Mastercard2222630000001125NoneNon-3DS payment test

3DS 2.x Frictionless

CodeBrandCard Number3DSScenario
CYS-3DS-V-1-YAVisa44565300000010053DS 2.xFrictionless, Status=Y
CYS-3DS-M-1-YAMastercard52000000000010053DS 2.xFrictionless, Status=Y
CYS-3DS-V-2-NDVisa44565300000010133DS 2.xFrictionless, Status=N
CYS-3DS-M-2-NDMastercard52000000000010133DS 2.xFrictionless, Status=N
CYS-3DS-V-3-AAVisa44565300000010213DS 2.xAttempts processing frictionless
CYS-3DS-M-3-AAMastercard52000000000010213DS 2.xAttempts processing frictionless
CYS-3DS-V-4-UDVisa44565300000010393DS 2.xFrictionless, Status=U
CYS-3DS-M-4-UDMastercard52000000000010393DS 2.xFrictionless, Status=U
CYS-3DS-V-5-RAVisa44565300000010473DS 2.xFrictionless, Status=R
CYS-3DS-M-5-RAMastercard52000000000010473DS 2.xFrictionless, Status=R
CYS-3DS-V-6-UAVisa44565300000010543DS 2.xAuthentication not available on lookup
CYS-3DS-M-6-UAMastercard52000000000010543DS 2.xAuthentication not available on lookup
CYS-3DS-V-7-ERVisa44565300000010623DS 2.xEnrollment check error
CYS-3DS-M-7-ERMastercard52000000000010623DS 2.xEnrollment check error
CYS-3DS-V-8-TDVisa44565300000010703DS 2.xTime-out
CYS-3DS-M-8-TDMastercard52000000000010703DS 2.xTime-out
CYS-3DS-V-9-BAVisa44565300000010883DS 2.xBypassed authentication
CYS-3DS-M-9-BAMastercard52000000000010883DS 2.xBypassed authentication

Payments API Step-Up Challenge Cards

Use these cards to test challenge or step-up flows on the Payments API hosted payment page.

CodeBrandCard Number3DSScenario
CYS-3DS-V-10-YAVisa44565300000010963DS 2.xStep-up challenge, Status=Y
CYS-3DS-M-10-YAMastercard52000000000010963DS 2.xStep-up challenge, Status=Y
CYS-3DS-V-11-NDVisa44565300000011043DS 2.xStep-up challenge, Status=N
CYS-3DS-M-11-NDMastercard52000000000011043DS 2.xStep-up challenge, Status=N
CYS-3DS-V-12-UDVisa44565300000011123DS 2.xStep-up challenge, Status=U
CYS-3DS-M-12-UDMastercard52000000000011123DS 2.xStep-up challenge, Status=U

Payments API Additional 3DS Cases

CodeBrandCard Number3DSScenario
CYS-3DS-M-13-YAMastercard52000000000028053DS 2.xFirst recurring transaction, fixed amount
CYS-3DS-V-14-NDVisa40000000000020403DS 2.xCard authentication failed
CYS-3DS-V-15-UDVisa40000000000021493DS 2.xSuspected fraud
CYS-3DS-V-16-RAVisa40000000000021643DS 2.xCardholder not enrolled in service
CYS-3DS-V-17-UDVisa40000000000021723DS 2.xTransaction timed out at ACS
CYS-3DS-V-18-UDVisa40000000000022303DS 2.xNon-payment transaction not supported
CYS-3DS-V-19-UDVisa40000000000022483DS 2.x3RI transaction not supported
CYS-3DS-M-20-NIMastercard52000000000011613DS 2.1TRA exemption low value
CYS-3DS-M-21-IIMastercard52000000000020523DS 2.2TRA exemption low value
CYS-3DS-V-22-IIVisa40000000000020243DS 2.xTRA exemption low value

Trusted Card Sandbox Cards

Use these cards to test Create Trusted Card, Verify Trusted Card, and Charge Trusted Card in sandbox.

CodeBrandCard Number3DSScenario
PTZ-3DS-M-1-NDMastercard51002700000000982.x.xFrictionless, Status=N, Payment Completion not permitted (response code 12)
PTZ-3DS-V-1-NDVisa40120000000201212.x.xFrictionless, Status=N, Payment Completion not permitted (response code 12)
PTZ-3DS-M-1-YAMastercard51002700000000232.x.xFrictionless, Status=Y
PTZ-3DS-V-1-YAVisa40120000000200712.x.xFrictionless, Status=Y
PTZ-3DS-M-2-NDMastercard51002700000000562.x.xChallenge, Status=N, Payment Completion not permitted (response code 12)
PTZ-3DS-V-2-AAVisa40120000000200892.x.xFrictionless, Status=A
PTZ-3DS-V-2-ADVisa46666666666622222.x.xFrictionless, Status=A, ISO Response Code=05, CVV Response=N
PTZ-3DS-M-2-RAMastercard51002700000000722.x.xFrictionless, Status=R
PTZ-3DS-M-3-UDMastercard55556666666622222.x.xFrictionless, Status=U, ISO Response Code=05
PTZ-3DS-V-3-ADVisa41111111111199992.x.xFrictionless, Status=A, ISO Response Code=98
PTZ-3DS-M-3-YAMastercard51002700000000312.x.x3DS2 Challenge, Status=Y
PTZ-3DS-V-3-YAVisa40120000000200062.x.x3DS2 Challenge, Status=Y
PTZ-3DS-M-4-ADMastercard51111111111133332.x.xFrictionless, Status=A, ISO Response Code=05
PTZ-3DS-V-4-YAVisa40120100000200702.x.xFrictionless, Fingerprinting, Status=Y
PTZ-3DS-M-4-YAMastercard51002710000001202.x.xFrictionless, Fingerprinting, Status=Y
PTZ-3DS-V-4-YDVisa41111111111100002.x.x3DS2 Challenge, Status=Y, ISO Response Code=91
PTZ-3DS-M-5-YDMastercard51111111111100002.x.x3DS2 Challenge, Status=Y, ISO Response Code=91
PTZ-3DS-V-5-AAVisa40120100000200882.x.xFrictionless, Fingerprinting, Status=A
PTZ-3DS-V-6-YAVisa40120100000200052.x.x3DS2 Challenge, Fingerprinting, Status=Y
PTZ-3DS-V-7-YAVisa40120000000200712.x.x3DS2 Challenge, include ChallengeIndicator=03

Transaction Response

Understanding the response parameters returned after a payment

Examples

HTML, PHP, and JavaScript code examples for the Payments API

On this page

Sandbox EnvironmentHosted Checkout Test CardsNon-3DS3DS 2.x FrictionlessPayments API Step-Up Challenge CardsPayments API Additional 3DS CasesTrusted Card Sandbox Cards