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

Store Name:

3D Sim Store FAuth Off Force On

Staging Integration Store 3

MPESA Kenya Store

PaymentsOS Test Store (3D redirect URL)

SOAP Username:

100032

200021

200399

800060

SOAP password:

PypWWegU

WSAUFbw6

3HhCDmqb

qDRLeKI9

Safekey:

{CE62CE80-0EFD-4035-87C1-8824C5C46E7F}

{07F70723-1B96-4B97-B891-7BF708594EEA}

{B83B1BC2-9CFA-4295-ABEE-D356B927DB49}

{FBEF85FC-F395-4DE2-B17F-F53098D8F978}

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

Value Added Services:





Integration Type:

Enterprise API, Redirect Payment Page

Enterprise API, Redirect Payment Page

Redirect Payment Page

Enterprise API, Redirect Payment Page

Merchant/Product Type:

EasyMerchant, PayU Business, PayU Enterprise

EasyMerchant, PayU Business, PayU Enterprise

EasyMerchant, PayU Business

EasyMerchant, PayU Business

Notes:

Risk Setting: Fully Authenticated = OFF




 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

VISA4000053257499518YESYES05Cardholder 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

MasterCard5100051617508008YESYES02Cardholder 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 Club36424866329600YESYES07Cardholder Authentication SuccessTransaction Successful

Diners Club

36424835908633

YES

NO

07

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 card41

Transaction Failed

5264408350431388Stolen card43Transaction Failed
5222629670507349Insufficient funds51Transaction Failed


Payflex Test Credentials

To test an existing user flow, you can use the following details:

Email Address : test2@mail.com

Password : Test@123


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 : richard.theunissen@payu.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 CARDSLOGO
6010248200007221238RCS GP


Fraud Test Credentials


Environment

staging.payu.co.za

Store Name:

Staging Enterprise With Fraud Integration Store 1

SOAP Username:

Staging Enterprise With Fraud Integration Store 1

SOAP password:

xoV3PFor

Safekey:

{CF86C6D5-016C-4E98-9E4F-0F4FE3A0C1BA}

Supported Payment Methods:

Credit Cards

Value Added Services:

Fraud

Integration Type:

Enterprise API, Redirect Payment Page

Merchant/Product Type:

EasyMerchant, PayU Business, PayU Enterprise

Notes:


Mobile number ruleset test case

Fraud Result

CustomerPhone

Deny

27829999999

Challenge

27828888888

Approve

27827777777



Email address ruleset test case

Fraud Result

Email

Deny

deny@test.com

Challenge

challenge@test.com

Approve

approve@test.com



Discovery Miles

Test accounts will be provided by Discovery during the onboarding stage.


Real Time Recurring Test Store details:


Environment

staging.payu.co.za

Store Name:

Staging Integration Store (RTR)

SOAP Username:

200239

SOAP password:

5AlTRPoD

Safekey:

{542595FF-78EC-4A42-996D-18F8790393E5}

Supported Payment Methods:

Real Time Recurring Credit Card

Supported Payment Types:

CREDIT_CARD (RPP only)

Processing TypesREAL_TIME_RECURRING (RPP & Enterprise API)

Integration Type:

Enterprise API, Redirect Payment Page

Merchant/Product Type:

EasyMerchant, PayU Business, PayU Enterprise

Notes: