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Test Cards

Last Update o lună în urmă

Belema Financial Technology Payment Gateway: Test Card Documentation

Belema Financial Technology Payment Gateway: Test Card Documentation

Abdulrazaq Akeem

Last Update o lună în urmă

Introduction

This document provides details on how to use Belema Financial Technology's test cards to simulate transactions in the payment gateway's sandbox environment. These test cards allow developers and testers to verify integration by simulating successful payments, declined transactions, and specific failure scenarios such as insufficient funds. Use the card details below to test your implementation.

Overview

The Belema Financial Technology payment gateway supports card-based transactions. In the sandbox environment, you can use the following test cards to simulate different outcomes without processing real payments. Each test card is configured to trigger a specific response (success, failure, declined, or insufficient funds) when used correctly.

Prerequisite

  • Access to the Belema Payment Gateway by creating an account.
  • API credentials (e.g., API key, merchant ID) provided by Belema Financial Technology.
  • A test integration setup (e.g., a form or API call) to submit card details.

    • Currency: Default TEST (NGN & USD)

    Test Card Details 

    1. Success Simulation MASTERCARD

    Use this card to simulate a successful transaction.

    Field
    		Value
    PAN5485584845394432
    Expiry Date04/50
    CVV111
    PIN1234
    OTP123456
    Expected Outcome: The transaction is approved, and a success response is returned (e.g., HTTP 200 with "status": "success").
    2. Failure Simulation VERVE

    Use this card to simulate a generic failure (e.g., invalid card details or processing error).

    Field
    		Value
    PAN5786576432145778689
    Expiry Date04/50
    CVV333
    PIN1234
    OTP123456
    Expected Outcome: The transaction fails, returning an error response (e.g., HTTP 400 with "status": "failed" and "message": "Transaction failed").
    3. Failure: Declined Simulation VERVE

    Use this card to simulate a transaction declined by the issuer.

    FieldValue
    PAN5758576432173778689
    Expiry Date04/50
    CVV333
    PIN1234
    OTP123456
    Expected Outcome: The transaction is declined, returning a declined response (e.g., HTTP 402 with "status": "declined" and "message": "Transaction declined by issuer").
    4. Failure: Insufficient Funds Simulation MASTERCARD

    Use this card to simulate a transaction failure due to insufficient funds.

    FieldValue
    PAN5546364639584767
    Expiry Date04/50
    CVV111
    PIN1234
    OTP123456
    Expected Outcome: The transaction fails due to insufficient funds, returning an error response (e.g., HTTP 402 with "status": "failed", "message": "Insufficient funds").

    5. Success: 3DS Card

    Use this card to simulate a successful 3DS transaction 

    FieldValue
    PAN4489876589076543
    PIN1234
    CVV111
    Expiry04/50
    OTP123456

    Currency: Other Intl Test Card (USD)

    Test Card Details

    1. Success Simulation AMERICAN EXPRESS

    Use this card to simulate a successful transaction .

    FieldValue
    PAN378282246310005
    Expiry Date04/50
    CVV-
    PIN
    OTP

    2. Decline Simulation UNION PAY

    Use this card to simulate a declined transaction.

    FieldValue
    PAN6278747374904743
    Expiry Date12/31
    CVV
    PIN
    OTP

    3. Success Simulation UNION PAY

    Use this card to simulate a successful transaction.

    FieldValue
    PAN6250940500000006
    Expiry Date12/49
    CVV
    PIN
    OTP

    4. Success Simulation DISCOVER

    Use this card to simulate a successful transaction.

    FieldValue
    PAN6011111111111117
    Expiry Date12/39
    CVV
    PIN
    OTP


    Best Practices

    • Do Not Use in Production: These test cards are for sandbox use only. Real card details must be used in the live environment.
    • Validate Inputs: Ensure your application validates card details (e.g., PAN length, expiry format) before submission.
    • Secure OTP Handling: In a real scenario, OTPs are sent to the cardholder; for testing, use the provided 123456.
    • Error Handling: Implement robust error handling to gracefully manage failure responses.
    Support

    For issues with the sandbox environment or test cards, contact Belema Financial Technology support at [email protected] or visit our developer portal at https://gateway.belemafintech.com.

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