Testing

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

Test Cards

Any expiry date in the current month and year or later will work
Use a three-digit CVV/CVC, or four digits for American Express
Any cardholder name will work
Any total will work unless the scenario itself says otherwise

Use the card set for the checkout flow described in each section. These sets are not interchangeable; a card valid for one sandbox checkout may be rejected by another.

Standard Card Payments — TTD

Use these cards to test Payments API hosted checkout when currency is TTD.

Code	Brand	Card Number	3DS	Scenario
`C01YZ`	Visa	`4000000000002719`	2.x.y	Attempts processing frictionless, Status=A
`C02YZ`	Visa	`4000000000002503`	2.x.y	Step-up challenge, Status=Y
`C03YZ`	Mastercard	`5200000000002151`	2.x.y	Step-up challenge, Status=Y
`C04YZ`	Visa	`4000000000002644`	2.x.y	Step-up challenge, Status=U, Authentication error
`C05YZ`	Visa	`4000000000002354`	2.x.y	Enrollment timeout, Enrolled=U, Directory Server Error=402
`C06YZ`	Visa	`4000000000002560`	2.x.y	Authentication bypassed, Enrolled=B
`C07YZ`	Visa	`4000000000002313`	2.x.y	Frictionless, Status=U
`C08YZ`	Mastercard	`5200000000002268`	2.x.y	Frictionless, Status=U
`C09YZ`	Visa	`4000000000002420`	2.x.y	Step-up challenge, Status=U
`C10YZ`	Visa	`4000000000002446`	2.x.y	Enrollment check error, Enrolled=U, Directory Server Error=101
`C11YZ`	Mastercard	`5200000000002037`	2.x.y	Enrollment check error, Enrolled=U, Directory Server Error=101
`C12YZ`	Visa	`4000000000002990`	2.x.y	Authentication unavailable on lookup, Enrolled=U, Directory Server Error=101
`C13YZ`	Mastercard	`5200000000002409`	2.x.y	Authentication unavailable on lookup, Enrolled=U, Directory Server Error=101
`C14YZ`	Visa	`4000000000002370`	2.x.y	Step-up challenge, Status=N
`C15YZ`	Mastercard	`5200000000002235`	2.x.y	Frictionless, Status=Y

Standard Card Payments — USD and other currencies

Use these cards to test Payments API hosted checkout when currency is USD or any other supported currency.

Use any future expiry date and any three-digit CVC/CVV, except American Express cards, which require four digits. Brand acceptance depends on the merchant account and processing platform.

None means no 3DS interaction is normally required for that test scenario, not that the card brand cannot support 3DS. Use the dedicated 3DS scenarios to test authentication and challenge handling.

Code	Brand	Card Number	3DS	Scenario
`S01TP`	Visa	`4242424242424242`	None	Standard payment success; no 3DS challenge normally required
`S02TP`	Visa	`4000000000000002`	None	Standard payment decline — `card_declined` / `generic_decline`
`S03TP`	Visa	`4000000000000127`	None	Decline — incorrect CVC
`S04TP`	Visa	`4000000000003220`	2.x.y	3DS required; authentication/challenge completed successfully; payment succeeds
`S05TP`	Visa	`4000000032200000`	2.x.y	3DS frictionless; authentication succeeds without customer challenge
`S06TP`	Visa	`4000008260003178`	2.x.y	3DS required; authentication succeeds, then payment declined — `insufficient_funds`
`S07TP`	Visa	`4000008400001280`	2.x.y	3DS required; 3DS lookup/authentication processing error; payment declined
`S08TP`	Mastercard	`5555555555554444`	None	Standard payment success
`S09TP`	American Express	`378282246310005`	None	Standard payment success — 15-digit card number, four-digit CVC/CVV; 3DS not supported for this test card
`S10TP`	Discover	`6011111111111117`	None	Standard payment success

For the required-3DS challenge case, also exercise unsuccessful authentication and cancellation using the sandbox authentication screen.

Trusted Card — TTD

Use these cards to test Create Trusted Card, Verify Trusted Card, and Charge Trusted Card in sandbox when currency is TTD.

Code	Brand	Card Number	3DS	Scenario
`P01TZ`	Mastercard	`5100270000000098`	2.x.y	Frictionless, Status=N, Payment Completion not permitted (response code 12)
`P02TZ`	Visa	`4012000000020121`	2.x.y	Frictionless, Status=N, Payment Completion not permitted (response code 12)
`P03TZ`	Mastercard	`5100270000000023`	2.x.y	Frictionless, Status=Y
`P04TZ`	Visa	`4012000000020071`	2.x.y	Frictionless, Status=Y
`P05TZ`	Mastercard	`5100270000000056`	2.x.y	Challenge, Status=N, Payment Completion not permitted (response code 12)
`P06TZ`	Visa	`4012000000020089`	2.x.y	Frictionless, Status=A
`P07TZ`	Visa	`4666666666662222`	2.x.y	Frictionless, Status=A, ISO Response Code=05, CVV Response=N
`P08TZ`	Mastercard	`5100270000000072`	2.x.y	Frictionless, Status=R
`P09TZ`	Mastercard	`5555666666662222`	2.x.y	Frictionless, Status=U, ISO Response Code=05
`P10TZ`	Visa	`4111111111119999`	2.x.y	Frictionless, Status=A, ISO Response Code=98
`P11TZ`	Mastercard	`5100270000000031`	2.x.y	3DS2 Challenge, Status=Y
`P12TZ`	Visa	`4012000000020006`	2.x.y	3DS2 Challenge, Status=Y
`P13TZ`	Mastercard	`5111111111113333`	2.x.y	Frictionless, Status=A, ISO Response Code=05
`P14TZ`	Visa	`4012010000020070`	2.x.y	Frictionless, Fingerprinting, Status=Y
`P15TZ`	Mastercard	`5100271000000120`	2.x.y	Frictionless, Fingerprinting, Status=Y
`P16TZ`	Visa	`4111111111110000`	2.x.y	3DS2 Challenge, Status=Y, ISO Response Code=91
`P17TZ`	Mastercard	`5111111111110000`	2.x.y	3DS2 Challenge, Status=Y, ISO Response Code=91
`P18TZ`	Visa	`4012010000020088`	2.x.y	Frictionless, Fingerprinting, Status=A
`P19TZ`	Visa	`4012010000020005`	2.x.y	3DS2 Challenge, Fingerprinting, Status=Y
`P20TZ`	Visa	`4012000000020071`	2.x.y	3DS2 Challenge, include ChallengeIndicator=03