Payment Gateway
Test mode (sandbox)
Create payments with "mode": "test" and pay them with these test details. No real money moves.
Create a payment with "mode": "test" and pay it on the payment page with the details below. No real money moves, and real cards, accounts and wallets can't pay test payments. Use your live API key: it creates test and live payments alike.
Cards
Use any future expiry date and any 3-digit CVV.
| Card number | What happens |
|---|---|
4242 4242 4242 4242 |
OTP 123456. For amounts under ₦7,500. |
5555 5555 5555 4444 |
PIN 1234, then OTP 123456. |
5200 0000 0000 1096 |
3-D Secure. |
Bank account (GTBank)
Any 10-digit account number, then the token 123456.
Paybeta wallet
| Wallet ID | 0123456789 |
| Password | None |
| Transaction PIN | 1234 |
| Code | 123456 |
No real wallet is used.
Transfer and USSD
Bank transfer and USSD payments don't complete in test mode.
Going live
Change mode to live. Nothing else changes: the same API key, host, webhook and verify call. Live payments charge the customer for real, and merchant_amount settles on the next business day.