Testing Guide
Use the testing guide to trigger specific transaction response while testing in the test mode.
Before going live, use our Sandbox Environment to test your integration safely.
This guide explains how to set up your sandbox, use test credentials, and simulate different payment scenarios.
Environments
Our Payment Gateway provides two environments:
| Environment | Description |
|---|---|
| Production (default) | Live environment used by all stores by default. Real payments are processed here. |
| Sandbox / Test Mode | Safe testing environment where no real charges are made. Ideal for integration testing, staging, and QA. |
Default Behavior
By default, all newly created stores operate in the Production environment.
This means that any payment created through your store will process real transactions.
If you're still developing or testing your integration, you can enable Test Mode.
Switching to Test Mode
You can create a separate store in Test Mode in Dashboard and use for testing purposes:
- Go to Dashboard
- Click on store name switch top left
- Click on Create Store
- Fill in store details and enable Test Mode toggle
Once enabled:
- The store will start using the Sandbox environment
- All transactions created in this mode will be simulated and will not charge real cards
- You must use test cards number in Test Mode to simulate transactions
Test card numbers
When your store is in Test Mode, you can safely simulate payments using the card numbers below.
These cards are available only in the Sandbox environment — they do not trigger real transactions or communicate with real banks.
Use any future expiration date and any 3-digit CVC when testing.
✅ Successful Payments
| Test Card Brand | Card Number |
|---|---|
| Visa | 4111111111111111 |
| Mastercard | 5424000000000015 |
| Mastercard | 2223000010309703 |
| Mastercard | 2223000010309703 |
Any CVV code and future expiration date will work with these test cards.
❌ Declined & Error Scenarios
| Amount | Response Code | Response Text | Notes |
|---|---|---|---|
| $70.02 | 2 | This transaction has been declined. | General bank decline |
| $70.03 | 3 | This transaction has been declined. | Referral to voice authorization |
| $70.05 | 35 | An error occurred during processing. Call Merchant Service Provider | Unknown error occurred during processing |
Going Live
When you’re ready to start accepting real payments: disable Test Mode in your store settings.
Testing Bank-to-bank payments
Use the sandbox Link UI script and your ChargX test publishable key so that no real bank accounts or money are involved. In sandbox, you can complete the Link flow with test credentials:
During the account linking process, select any of the following test financial institutions:
- FinBank Profiles - A
- FinBank Profiles - B
Use any of the following credentials to log into the bank:
- profile_03/profile_03 - to test successful linking and payments up to $4999
- profile_04/profile_04 - to test successful linking and insufficient funds