# Simulating payments

> Simulate payments to test your integration.

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

> **Note — 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.

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## 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

> **Warning — 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.

### 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.

### 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.

#### 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`:

## 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.