Use the details below to test credit card transactions via PayGate’s PayWeb3 integration, including MasterCard SecureCode / Verified-by-Visa 3D Secure flows and tokenisation support.

Test Credentials

Description	Value
PayGate ID	10011072130
Password	`secret`
Currencies	ZAR, EUR, USD

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PayVault Tokenisation is supported for both real and test card numbers.

Test Cards

Master the art of seamless payments. Try out our test cards to practice making transactions.

Approved Transactions

RESULT_CODE = 990017, TRANSACTION_STATUS = 1


Card Brand	Card Number	Risk Indicator
Visa	4000 0000 0000 0002	Authenticated (AX) *
MasterCard	5200 0000 0000 0015	Authenticated (AX)
American Express	3782 8224 6310 005	Not Authenticated (NX)

See theTransaction Status and Result Codes.

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The card numbers marked with * will trigger MasterCard SecureCode / Verified-by-Visa (3D Secure) flows for testing.

Insufficient Funds

RESULT_CODE = 900003, TRANSACTION_STATUS = 2


Card Brand	Card Number	Risk Indicator
MasterCard	5200 0000 0000 0023	Not Authenticated (NX) *
Visa	4000 0000 0000 0028	Not Authenticated (NX)
American Express	3714 4963 5398 431	Not Authenticated (NX)

Declined Transactions

RESULT_CODE = 900007, TRANSACTION_STATUS = 2


Card Brand	Card Number	Risk Indicator
Visa	4000 0000 0000 0036	Authenticated (AX) *
MasterCard	5200 0000 0000 0049	Authenticated (AX) *
Diners Club	3056 9309 0259 04	Not Applicable (XX)

Unprocessed Transactions

RESULT_CODE = 990022, TRANSACTION_STATUS = 0

Card Brand	Card Number	Risk Indicator
MasterCard	5200 0000 0000 0064	Not Applicable (XX)

Invalid Card Numbers

RESULT_CODE = 900004, TRANSACTION_STATUS = 2

Card Brand	Card Number	Risk Indicator
Other / Invalid Numbers	—	Not Applicable (XX)

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Expiry dates must be in the future. Cardholder name and CVV can be arbitrary test values.

Try it out

Run tests directly from here.

You can run test cases directly via Postman using the collection below:

▶️ Test in Postman

Don’t forget to update your environment variables and run with the test credentials above.