Test Credentials
PayU recommends that when doing an integration you first test your payment flow against the staging environment using the listed test credentials. Once you have completed successful staging tests, you can move onto production testing.
Store test credentials
The following integration test stores can be used to integrate and test process flow:
Environment | staging.payu.co.za | staging.payu.co.za | staging.payu.co.za | staging.payu.co.za | staging.payu.co.za |
Store Name: | 3D Sim Store FAuth Off Force On | Staging Integration Store 3 | MPESA Kenya Store | PaymentsOS Test Store (3D redirect URL) | PayU Ghana Test Store |
SOAP Username: | 100032 | 200021 | 200399 | 800060 | 800117 |
SOAP password: | PypWWegU | WSAUFbw6 | 3HhCDmqb | qDRLeKI9 | vfFbwgjk |
Safekey: | {CE62CE80-0EFD-4035-87C1-8824C5C46E7F} | {07F70723-1B96-4B97-B891-7BF708594EEA} | {B83B1BC2-9CFA-4295-ABEE-D356B927DB49} | {FBEF85FC-F395-4DE2-B17F-F53098D8F978} | {6BA54E9D-7F71-40A4-B73D-4F16D6FF4644} |
Supported Payment Methods: | Credit Cards (3D Secure) | Credit Cards, DiscoveryMiles, Ebucks AutoPay, Debit Cards, EFT, Visa Checkout Credit Card Debit Order, Once Off Payment, MasterPass, Mobicred, FASTA, Payflex | MPESA Wallet, minimum denominator 1.00 | Credit Cards (3D Secure), Credit Cards (non 3D Secure), EFT | Cards (3D Secure), MTN MoMo |
Value Added Services: |
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Integration Type: | Enterprise API, Redirect Payment Page | Enterprise API, Redirect Payment Page | Redirect Payment Page | Enterprise API, Redirect Payment Page | Redirect Payment Page |
Merchant/Product Type: | EasyMerchant, PayU Business, PayU Enterprise | EasyMerchant, PayU Business, PayU Enterprise | EasyMerchant, PayU Business | EasyMerchant, PayU Business | EasyMerchant, PayU Business |
Notes: | Risk Setting: Fully Authenticated = OFF |
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Payment method test credentials
Credit Card
Any transactions taking place using the test cards below, are being tested against PayU's internal simulator and are specific to store 3D Sim Store FAuth Off Force On (SOAP Username: 100032). None of these transactions are live or real time. Please ensure a minimum value of R1 is used for each transaction, or you will receive a failure transaction result.
Expiry date and CVV
For any of the cards below you can use:
02/2026 as expiry date
and
123 as CVV
VISA - Simulator Matrix for basic 3DS Scenarios
Card Type | PAN | Card Enrolled | OTP Success | ECI | Description | Risk Setting: Fully Authenticated = OFF |
VISA 3DS test scenarios for 2 different 3DS authentication mode settings | Transaction Result | |||||
VISA | 4000015372250142 | YES | YES | 05 | Cardholder Authentication Success + Bank response success | Transaction Successful |
VISA | 4000019562093601 | YES | NO |
| Cardholder Authentication Failure | Transaction Failed |
VISA | 4000019542438801 | NO | N/A | 06 | Issuer/Cardholder not participating | Transaction Successful |
VISA | 4000029520272445 | YES | YES | 05 | Cardholder Authentication Success + Bank response failure (Do not honour) | Transaction Failed |
VISA | 4000053257499518 | YES | YES | 05 | Cardholder Authentication Success + Bank response failure (Insufficient funds) | Transaction Failed |
MasterCard - Simulator Matrix for basic 3DS Scenarios
Card Type | PAN | Card Enrolled | OTP Success | ECI | Description | Risk Setting: Fully Authenticated = OFF |
|---|---|---|---|---|---|---|
MasterCard 3DS test scenarios for 2 different 3DS authentication mode settings | Transaction Result | |||||
MasterCard | 5100018609086541 | YES | YES | 02 | Cardholder Authentication Success | Transaction Successful |
MasterCard | 5100013960913581 | YES | NO |
| Cardholder Authentication Failure | Transaction Failed |
MasterCard | 5100011063555010 | NO | N/A | 01 | Issuer/Cardholder not participating | Transaction Successful |
MasterCard | 5100022615342534 | YES | YES | 02 | Cardholder Authentication Success + Bank response failure (Do not honour) | Transaction Failed |
MasterCard | 5100051617508008 | YES | YES | 02 | Cardholder Authentication Success + Bank response failure (Insufficient funds) | Transaction Failed |
Amex - Simulator Matrix for basic 3DS Scenarios
Card Type | PAN | Card Enrolled | OTP Success | ECI | Description | Risk Setting: Fully Authenticated = OFF |
|---|---|---|---|---|---|---|
MasterCard 3DS test scenarios for 2 different 3DS authentication mode settings | Transaction Result | |||||
Amex | 377090000390845 | YES | YES | 05 | Cardholder Authentication Success | Transaction Successful |
Amex | 340000000000033 | YES | NO | 07 | Cardholder Authentication Failure | Transaction Failed |
Diners Club - Simulator Matrix for basic 3DS Scenarios
Card Type | PAN | Card Enrolled | OTP Success | ECI | Description | Risk Setting: Fully Authenticated = OFF |
|---|---|---|---|---|---|---|
MasterCard 3DS test scenarios for 2 different 3DS authentication mode settings | Transaction Result | |||||
Diners Club | 36424866329600 | YES | YES | 07 | Cardholder Authentication Success | Transaction Successful |
Diners Club | 36424835908633 | YES | NO | 07 | Cardholder Authentication Failure | Transaction Failed |
bsmart - Simulator Matrix for basic 3DS Scenarios
Card Type | PAN | Card Enrolled | OTP Success | ECI | Description | Risk Setting: Fully Authenticated = OFF |
|---|---|---|---|---|---|---|
MasterCard 3DS test scenarios for 2 different 3DS authentication mode settings | Transaction Result | |||||
bsmart | 9710528052525047 | YES | YES | 05 | Cardholder Authentication Success | Transaction Successful |
bsmart | 9710529014199434 | YES | YES | 07 | Cardholder Authentication Success | Transaction Successful |
bsmart | 9710527299047401 | YES | NO |
| Cardholder Authentication Failure | Transaction Failed |
Verve Card Test Credentials
Environment | staging.payu.co.za |
|---|---|
Store Name: | Verve Test Store Nigeria |
SOAP Username: | 200419 |
SOAP password: | 2sPXeB9U |
Safekey: | {5CCBA0C9-890E-470F-A411-9E116691B45D} |
Supported Payment Methods: | Verve Cards |
Integration Type: | Redirect Payment Page |
Card no = 5061030000000000951
Pin = 1234
Expiry Date = 2001 (YYMM)
cvv2 = 000
UCount Card Test Credentials
PAN | Description | Result code | Result |
|---|---|---|---|
5222502439168614 | Successful | 00 | Transaction Successful |
5264409586801303 | Successful | 00 | Transaction Successful |
5222625334434243 | Successful | 00 | Transaction Successful |
5222504159318619 | Lost card | 41 | Transaction Failed |
5264408350431388 | Stolen card | 43 | Transaction Failed |
5222629670507349 | Insufficient funds | 51 | Transaction Failed |
Payflex Test Credentials
To test an existing user flow, you can use the following details:
Email Address : test2@mail.com
Password : Payu12345@
To test a new user flow:
ID number: 8703135279082
Phone number: 27 83 324 0485
OTP: 911911
Card details:
Card number - 4111 1111 1111 1111
CVV - Any 3 digit number
Expiry - Any future date
Mobicred Login Test Credentials
Email Address : tester@mcpayutester.com
Password : Mobicred123
Once logged in you will be requested to enter a 6-digit PIN number.
PIN : 123456
FASTA Login Test Credentials
Username : 9208250012184
Password : PasswordMerchant
RCS Card Test Credentials
PAYU TEST CARDS | LOGO |
|---|---|
6010248200007221238 | RCS GP |