Simulating payments

To confirm that your integration works correctly, simulate transactions without moving any money using special values in test mode.

You will need sandbox access

To test your integration in test mode, where no real money is used you will need access to our sandbox enviroment. To get access to our sandbox environment get in touch with us.

Because of rate limits, we don’t recommend using the sandbox to load-test your integration.

Testing payments with cards

Test cards let you simulate several scenarios:

Successful payments by card brand
Card errors due to declines, fraud, or invalid data

Common mistake

Do not under any circumstance use real card details when testing your integration.

To test a card payment you will need to create a payment via the Dashboard or API, and go to our Contact portal (payment link) to input the card information. It's not possible to start a payment with card via the API.

Australian credit cards

Use the cards below when testing the payment method id ZAI_CC. If you are not sure which method are you using, check the URL of the payment link.

Type	Value	Description
Successful Visa	4111 1111 1111 1111
Declined Visa	4012 8888 8888 1881
Declined MasterCard	5105 1051 0510 5100
Payment Held	5555 5555 5555 4444	Will withold payment from release.

Brazilian credit cards

Use the cards below when testing the payment method id PGBNK_CC. If you are not sure which method are you using, check the URL of the payment link.

Type	Value	Description
Successful Mastercard (with 3DS authentication)	5200 0000 0000 1005	The total amount of payment after fees must be BRL 1005. Use CVV 123, expires 12/2030
Visa	4539 6206 5992 2097	Use CVV 123, expires 12/2030
Mastercard	5240 0829 7562 2454	Use CVV 123, expires 12/2030
American Express	3458 1769 0311 361	Use CVV 123, expires 12/2030
Elo	4514 1611 2211 3757	Use CVV 123, expires 12/2030
Hipercard	6062 8285 9891 9021	Use CVV 123, expires 12/2030

Multi-currency credit cards

Use the cards below when testing the payment method id BLUE_CC. If you are not sure which method are you using, check the URL of the payment link.

Visa	Mastercard	American Express	Discover / Diners Club	Result
4000 0000 0000 2503	5200 0000 0000 2151	3400 0000 000 2534	6011 0000 0000 2265	Successful with challenge (step up)
4000 0000 0000 2701	5200 0000 0000 2235	3400 0000 000 2708	6011 0000 0000 2117	Successful no challenge (frictionless)
4000 0000 0000 2370	5200 0000 0000 2490	3400 0000 000 2237	6011 0000 0000 2695	Failed with challenge (step up)
4000 0000 0000 2925	5200 0000 0000 2276	3400 0000 000 2096	6011 0000 0000 2364	Failed no challenge (frictionless)
4000 0000 0000 2990	5200 0000 0000 2409	3400 0000 000 2468	6011 0000 0000 2836	Unavailable

Card Data

Expiration Date:
- Month: 01 (January)
- Year: Current year + 3 years (e.g., In 2026, use 01/2029)
Security Code (CVV): any 3-digit code
Challenge Response:
- If challenged, use:
  - User name: test1 (prefilled)
  - Password: 1234

Credit cards with redirect

When testing credit card payments using the TM_CC payment method, you will be redirected to a different environment. You can use any test data to simulate the payment.

Multi-currency direct debit

Use the below accounts to simulate specific behaviours when using the payment method BLUE_DD:

Currency	Values
`USD`	Simulate format validation error Account number: 123456789 Routing number: 123456789 Simulate declined transaction Account number: 123456789 Routing number: 987654321 Simulate approved transaction Account number: 223344556 Routing number: 998877665 After the initial transaction request, you will see the status change within 15 minutes.
`AUD`	Simulate declined transaction Account number: 9990000004 BSB number: 980201 Simulate approved transaction Account number: 9990000001 BSB number: 980201 After the initial transaction request, you will see the status change within 15 minutes.
`CAD`	Simulate declined transaction Account number: 9990000004 Routing number: 001004820 Simulate approved transaction Account number: 9990000001 Routing number: 001004820 After the initial transaction request, you will see the status change within 15 minutes.
`EUR`	From pending to success IBAN: DE91100000001234400020 From pending to fail IBAN: DE97100000001234400009 From pending to success to refunded IBAN: DE78100000001234400060 After the initial transaction request, you will see the status change within 1 hour.

Other payment methods

Testing other payment methods works similarly. Each payment method may have its own special values. You will need to create a payment via the Dashboard or API, after that go to our Contact portal (payment link) to proceed with the payment.

Method	Value	Description
`ZAI_PAYID`		Qualy will generate a sample PayID, a transaction will automatically be generated with the full amount of the payment.
`ZAI_BSBACC`		Qualy will generate a sample BSB/Acc, a transaction will automatically be generated with the full amount of the payment.
`ZAI_PAYTO`	Any email, phone number or BSB/Account number	A transaction will automatically be generated with the full amount of the payment.
`ZAI_DD`	Any BSB/Account number	A transaction will automatically be generated with the full amount of the payment.
`AS_PIX`		Qualy will generate a sample PIX, a transaction will automatically be generated with the full amount of the payment.
`AS_BOLETO`		Qualy will generate a sample Boleto, a transaction will automatically be generated with the full amount of the payment.