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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
View WSDL Specification ›

Test Credentials

DescriptionPayGate IDPassword
With 3D Secure (via PayGate’s MPI)10011072130test
Without 3D Secure10011064270test
📘

Both accounts support PayVault tokenisation and token-based payments.

Approved Transactions

Card BrandCard NumberRisk IndicatorNotes
Visa4000000000000002Authenticated (AX)3D Secure
MasterCard5200000000000015Authenticated (AX)
American Express378282246310005Not Authenticated (NX)

  • RESULT_CODE = 990017

  • TRANSACTION_STATUS = 1

Insufficient Funds

Card BrandCard NumberRisk Indicator
MasterCard5200000000000023Not Authenticated (NX)
Visa4000000000000028Not Authenticated (NX)
American Express371449635398431Not Authenticated (NX)

  • RESULT_CODE = 900003

  • TRANSACTION_STATUS = 2

Declined Transactions

Card BrandCard NumberRisk Indicator
Visa4000000000000036Authenticated (AX)
MasterCard5200000000000049Authenticated (AX)
Diners Club30569309025904Not Applicable (XX)

  • RESULT_CODE = 900007

  • TRANSACTION_STATUS = 2

Unprocessed Transactions

Card BrandCard NumberRisk Indicator
MasterCard5200000000000064Not Applicable (XX)

  • RESULT_CODE = 990022

  • TRANSACTION_STATUS = 0

Invalid Card Numbers

Card BrandNotes
All othersAny 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