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:
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

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

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 Types	REAL_TIME_RECURRING (RPP & Enterprise API)
Integration Type:	Enterprise API, Redirect Payment Page
Merchant/Product Type:	EasyMerchant, PayU Business, PayU Enterprise
Notes:

Capitec Pay Test Credentials

Test Cell Number:	0834414411
Test ID Number:	6602025800084
Test Successful amount:	Anything under R 10
Test Failed amount:	Anything over R 10

Pay by EFT Test Credentials:

Merchants attention: