Testing Payment Methods

Ready to configure test payment methods?

If you’ve already read our How to use Rvvup Test Mode article and set up your test environment, the next step is to configure the specific payment methods you’d like to use in Test mode.

This article will walk you through how to enable each test payment method, as well as provide unique testing values to create both successful and unsuccessful payments.

Testing Clearpay

ℹ️ How to configure Clearpay for testing

To add Clearpay to your Rvvup Test mode, you’ll need to connect your Clearpay Test API Credentials, much like connecting your Clearpay production account, but instead with your Clearpay Sandbox Merchant ID & Secret Key.

If you don't yet have a Clearpay Sandbox account then speak to your Clearpay account manager.

To find these values and set up Clearpay for testing:

1. Log in to your Clearpay Sandbox account
2. Go to the Credentials & Notifications page
3. Copy your Clearpay Sandbox Merchant ID and Merchant Secret Key
4. Log in to your Rvvup Dashboard
5. Click on “Go to Test” in the upper righthand corner
6. Go into your Settings and click on Connections
7. Click Connect Clearpay and paste in your Clearpay Sandbox Merchant ID and Secret Key
8. Click Check Credentials and Update Limits
9. Leave "Enable when connected” checked and hit Submit

For more information on Clearpay Sandbox, check out this guide and this Clearpay Support article.

Clearpay Test Values

To test with Clearpay, you’ll need to create and use Sandbox Clearpay Customers to log in and create test payments. With Rvvup, you’ll need to create “UK” customers to properly test successful payment flows.

To do this, follow the instructions on Clearpay’s Sandbox Environment Guide.

After creating a Sandbox Clearpay Customer, you will need to use the following test cards in order to create:

🟢 Successful Clearpay Payments

Card type	Long number	Expiry	CCV
Visa	4111 1111 1111 1111	01/25	000
Mastercard	5215 0977 9282 6659	01/25	000

 

⛔️ Unsuccessful Clearpay Payments

Card type	Long number	Expiry	CCV
Visa	4111 1111 1111 1111	01/25	051
Mastercard	5215 0977 9282 6659	01/25	051

 

Testing PayPal

ℹ️ How to configure PayPal for testing

To test payments with PayPal, you will need to connect a PayPal Sandbox Merchant Account to Rvvup’s PayPal Configuration in the Test mode. This is done in the exact same way as connecting live PayPal account, but you will need to use PayPal’s separate Sandbox environment/merchant accounts to do so (This means you cannot log in with your normal PayPal username and password!).

To find/create a PayPal Sandbox Merchant Account, do the following:

1. Log in to the PayPal developer center
2. Click on Sandbox Accounts
   • To create an account click Create Account
     • Select “Business (Merchant Account)”
     • Click “Create customised account”
     • Set your account’s information and password
     • Click Create Account
   • To use an existing account you’ll need to change its password
     • Click on the three dots next to an existing Business account (the “Type” column should say “Business”)
     • Click on View/Edit account
     • Click Change Password
3. Log in to your Rvvup Dashboard
4. Click Go to Test in the upper righthand corner
5. Go into your Settings and click on Connections
6. Click Connect to PayPal and choose if you’d like to test PayPal and/or PayPal cards
7. The next screen will take to you PayPal Sandbox and ask you to log in with your PayPal Sandbox account to complete the connection

More information, check out PayPal’s Sandbox Accounts guide.

 

PayPal Test Values

To test PayPal payments, you will also need a PayPal Sandbox Customer Account in order to simulate the customer experience. To do this, follow the above instructions but instead look for/create an account with the Personal “Type.”

From here, you will just need to log in with your PayPal Sandbox Customer Account in order to simulate 🟢 successful payments.

To simulate ⛔️ declined payments, you’ll need to do the following:

1. Create a Personal PayPal account.
2. Be sure to make the PayPal balance $0.00. If you did not create a custom account, you can view/edit the account and go to the funding tab. At the bottom will be the balance that you can change to $0 and update it.
3. Log into that account at https://www.sandbox.paypal.com.
4. On the right-hand side, there should be a link for “Banks and Cards” (If you created the Sandbox account through developer.paypal.com, then you should already have a credit card attached to the account.)
5. Click on the credit card link.
6. When it brings up the card details, click the “Update Card” link at the bottom of the page.
   1. In the Billing address section, select the Add New Address option.
   2. In the Street Address field, use this value: CCREJECT-REFUSED
   3. The remaining address fields (city, state, zip) can be whatever values you want them to be.
   4. Make sure to click the “Make This Your Primary Address” checkbox and then click the "Add Address" button.
7. When it brings you back to the credit card details page, change the billing address in the drop down to be the new CCREJECT-REFUSED address.
8. You will also need to add any random CVV value before you can update the card details.

Now you can navigate back to your test page and create an Order. Once you are in the PayPal flow and are redirected be sure to choose the modified credit card as the funding source.

Then, continue to process the transaction normally where you should experience the decline flow.

 

Testing Pay by Bank

ℹ️ How to configure Pay by Bank for testing

No configuration needed! Your test Pay by Bank payment method should be already connected and enabled in your Rvvup Test mode.

You can verify Pay by Bank for testing is enabled by:

1. Logging into your Rvvup Dashboard
2. Click on “Go to Test” in the upper righthand corner
3. Go to Payment methods
4. Confirm Pay by Bank is toggled on

Pay by Bank Test Values

To simulate 🟢 successful payments in Test, you’ll need to select the “Mock” bank account with the Rvvup logo:

After selecting this bank, either click on the “Log in on this device” button or scan the QR code on your phone.

 

Additional Institution Test Login Info

To test specific banks, use these logins and passwords

Bank	Username	Password	Notes
AIB	N/A	N/A	Click on the login link & authorisation will complete immediately.
Bank of Scotland	bar001	Password123
Barclays	N/A	N/A	No credentials required.
Halifax	har001	Password123
Lloyds Bank	llr001	Password123
NatWest	123456789012	See Notes	For PIN & Password, use the values displayed above each input box.
Open Banking	mits	mits
RBS	123456789012	See Notes	For PIN & Password, use the values displayed above each input box.
Revolut	+44 7275947393	0000

 

To simulate 🟡 pending payments:

1. Select the Modelo Sandbox account
2. Click on the Log in on this device button, or scan the QR code with your phone
3. Enter mits as your User Name
4. Enter mits as your Password
5. Click on the Login button
6. Select the Debtor account dropdown menu and choose Octon Inc (700001 - 70000005).
7. Click on the Confirm button
8. The payment should go into a Pending state in your Rvvup dashboard

To simulate 🔴 declined payments:

1. Select the Natwest Sandbox account
2. Click on the Log in on this device button, or scan the QR code with your phone
3. Enter 123456789012 as your Customer Number and click on Continue
4. Enter the three PIN digits and three Password digits displayed on-screen into the fields provided
5. Click on the Continue button
6. Select an account with insufficient funds
7. Click on the Confirm payment button
8. The payment should be Declined because of insufficient funds.

To simulate ⚪ cancelled payments:

1. Click out of the payment window or click on the “X” in the payment window
2. The payment should move to a Cancelled state in the Rvvup dashboard

To simulate ⚫ expired payments:

1. Follow the steps in creating a 🟡 pending payment using the Modelo Sandbox account
2. Wait 6 hours for the payment expiration to kick in
3. The payment should then move to an Expired state in the Rvvup dashboard

 

Testing Pay by Card

ℹ️ How to configure Pay by Card for testing

Once your Pay by Card application has been approved, you can enable Pay by Card in Test mode:

1. Log in to your Rvvup Dashboard
2. Click on Go to Test in the upper righthand corner
3. Go to Payment methods
4. Click the toggle switch for Pay by Card to enable test card payments

Pay by Card Test Values

A variety of payment outcomes will be driven by the card number, expiration date, and the amount.

The payment outcome will also be determined by the card’s 3DS outcome as well - as only payments that pass 3DS authentication will be approved for processing.

🟢 Successful Payments

Card Brand	Card Number	Expiration Date	Result	Description
Visa	4111111111111111	Any future date	3DS Challenge	A 3DS authentication window will appear, and if you pass in the correct passphrase the payment will complete successfully
Mastercard	5100000000000511	Any future date	3DS Challenge

Card Brand	Card Number	Expiration Date	Result	Description
Visa	4000000000002701	Any future date	Frictionless 3DS	3DS will occur, however this will simulate a scenario where the card issuing bank approves the payment without a 3DS challenge window
Mastercard	5200000000001005	Any future date	Frictionless 3DS

 

⛔️ Unsuccessful Payments

To create unsuccessful payments (some may be declined, others will fail at the 3DS step) you can use any of the above test cards with the amount of either:

• 700.00
• 600.10

3DS authentications failing (both as the result of a failed password, and as the result of the card issuing bank declining the payment ahead of the challenge) can cause the payment to fail as well.

To simulate these outcomes, use the test cards below:

Card Brand	Card Number	Expiration Date	Result	Description
Visa	4000000000002537	Any future date	Frictionless 3DS Failure	3DS will occur but the issuing bank declines the payment before the customer is presented a challenge window.
Mastercard	5200000000001047	Any future date	Frictionless 3DS Failure

Card Brand	Card Number	Expiration Date	Result	Description
Visa	4000000000002370	Any future date	3DS Challenge Failure	3DS will occur but the issuing bank declines the payment before the customer is presented a challenge window.
Mastercard	5200000000001104	Any future date	3DS Challenge Failure

 

CVV Results

Presently the result of the Card Verification Value (CVV) status will not alter the outcome of the payment, however the following values can be used to test different outcomes

Security code	AMEX security code	Result Code	Result Reason
123	1234	2	Matched
214	2144	4	Not Matched
333	3333	1	Not Checked
Leave blank	Leave blank	0	Not Given

 

AVS Results

Presently the result of the Address Verification Service (AVS) status will not alter the outcome of the payment, however the following values can be used to test different outcomes

 

Billing Street Address

Billing premise	Result Code	Result Reason
No 789	2	Matched
No 123	4	Not Matched
No 333	1	Not Checked
Leave blank	0	Not Given

 

Postcode / ZIP code

Billing postcode	Result Code	Result Reason
TR45 6ST	2	Matched
TR12 3ST	4	Not Matched
TR33 3ST	1	Not Checked
Leave blank	0	Not Given

 

Testing  Apple Pay

ℹ️ How to configure Apple Pay for testing

In order to create Apple Pay payments in Test Mode, you’ll need three things:

1. A qualifying iOS or Mac OS device signed in to an Apple Test Account
2. A special test card for ApplePay
3. Enable the Apple Pay payment method on your Test Mode dashboard

Once you have an iOS device or Mac configured to use this test account, with a test card added to the Apple Pay wallet (which can be added during the payment flow) you'll be able to complete an end-to-end test on your site set in Test Mode.

 

Testing Google Pay

ℹ️ How to configure Apple Pay for testing

In order to create Google Pay payments in Test Mode, you’ll need to:

• Join the Google Pay Test Group

Once your Google account has joined the Google Pay Test Group, you should see test cards added to your Google Pay wallet to use in Test Mode.

 

🏁 That’s it! Happy testing.