PayHost Testing

This section provides test credentials and card numbers you can use to simulate various payment outcomes (approved, declined, 3D Secure, etc.) when integrating with PayGate’s PayHost API.

Remember to replace these test values with live credentials before deploying to a production environment. Consult the PayGate documentation for details on securing your API keys and handling sensitive data responsibly.

▶️ Test in Postman

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Test Credentials

Description	PayGate ID	Password
With 3D Secure (via PayGate’s MPI)	`10011072130`	`test`
Without 3D Secure	`10011064270`	`test`

📘
Both accounts support PayVault tokenisation and token-based payments.

Approved Transactions

Card Brand	Card Number	Risk Indicator	Notes
Visa	`4000000000000002`	Authenticated (`AX`)	3D Secure
MasterCard	`5200000000000015`	Authenticated (`AX`)
American Express	`378282246310005`	Not Authenticated (`NX`)

RESULT_CODE = 990017
TRANSACTION_STATUS = 1

Insufficient Funds

Card Brand	Card Number	Risk Indicator
MasterCard	`5200000000000023`	Not Authenticated (`NX`)
Visa	`4000000000000028`	Not Authenticated (`NX`)
American Express	`371449635398431`	Not Authenticated (`NX`)

RESULT_CODE = 900003
TRANSACTION_STATUS = 2

Declined Transactions

Card Brand	Card Number	Risk Indicator
Visa	`4000000000000036`	Authenticated (`AX`)
MasterCard	`5200000000000049`	Authenticated (`AX`)
Diners Club	`30569309025904`	Not Applicable (`XX`)

RESULT_CODE = 900007
TRANSACTION_STATUS = 2

Unprocessed Transactions

Card Brand	Card Number	Risk Indicator
MasterCard	`5200000000000064`	Not Applicable (`XX`)

RESULT_CODE = 990022
TRANSACTION_STATUS = 0

Invalid Card Numbers

Card Brand	Notes
All others	Any number not listed above

RESULT_CODE = 900004
TRANSACTION_STATUS = 2

⚠️
Use an expiry date in the future and any valid CVV (e.g. 999).
The cardholder name can be any dummy value.

Additional Test Resources