generated: '2026-07-17'
method: searched
source: https://developer-docs.paga.com/docs/testing
description: >-
  Paga sandbox / test-data reference. Paga separates test from live by HOST
  (beta.* subdomains) rather than by key prefix; you obtain a separate test key
  set (public key, secret key, hash key) from the Business dashboard. The values
  below are published verbatim by Paga for integration testing and must never be
  used in production.
environments:
  live:
    business_api: https://www.mypaga.com
    collect_api: https://collect.paga.com
    checkout: https://checkout.paga.com
  test:
    business_api: https://beta.mypaga.com
    collect_api: https://beta-collect.paga.com
    checkout: https://beta-checkout.paga.com
test_bank_account:
  bank: Access Bank
  account_number: '0000000000'
test_paga_accounts:
- {account: '0361222682', username: Ramon}
- {account: '3300932297', username: Ramon}
test_cards_success:
- {type: Visa 3DS authentication, number: '4187427415564246', expiry: 09/32, cvv: '828', pin: '3310', otp: '12345'}
- {type: Visa 3DS authentication 2, number: '4242424242424242', expiry: 09/32, cvv: '812', otp: '12345'}
- {type: Visa 3DS authentication 3, number: '4751763236699647', expiry: 09/35, cvv: '812', otp: '12345'}
- {type: MasterCard 3DS authentication, number: '5438898014560229', expiry: 10/31, cvv: '564', pin: '3310', otp: '12345'}
- {type: Verve Card Noauth, number: '5061460410120223210', expiry: 10/32, cvv: '780', pin: '3310', otp: '12345'}
- {type: Verve Card PIN authentication 2, number: '5061460166976054667', expiry: 10/32, cvv: '780', pin: '3310', otp: '12345'}
test_cards_failure:
- {type: Card Declined (Address Verification), number: '5143010522339965', expiry: 08/32, cvv: '276', pin: '3310', otp: '12345'}
- {type: Card Fraudulent, number: '5590131743294314', expiry: 11/32, cvv: '887', pin: '3310', otp: '12345'}
- {type: Card Insufficient Funds, number: '5258585922666506', expiry: 09/31, cvv: '883', pin: '3310', otp: '12345'}
- {type: Do Not Honour, number: '5143010522339965', expiry: 08/31, cvv: '276', pin: '3310'}
- {type: Invalid Transaction, number: '5551658157653822', expiry: 08/31, cvv: '887'}
- {type: Restricted Card Retain Card, number: '5258582054729020', expiry: 08/31, cvv: '887'}
- {type: Function Not Permitted to Cardholder, number: '5258588264565682', cvv: '887'}
- {type: Transaction Error, number: '5258589130149016', cvv: '887'}
- {type: Incorrect PIN, number: '5399834697894723', expiry: 09/31, cvv: '883', pin: '3310', otp: '12345'}
- {type: Verve Card enrolment, number: '5531882884804517', expiry: 09/32, cvv: '564', pin: '3310'}
test_checkout_sample_card:
  number: '5531886652142950'
  expiry: 09/32
  cvv: '555'
test_utilities:
  electricity:
  - {biller: Eko Disco (EKEDC), prepaid: '051001055411', postpaid: '051001055411'}
  - {biller: Ikeja Electric (IKEDC), prepaid: '04040406714', postpaid: '051001055401'}
  - {biller: Abuja Disco (AEDC), prepaid: '02178029704', postpaid: '719323966'}
  - {biller: Kano Disco (KEDCO), prepaid: '62130093701', postpaid: '3615407069701'}
  - {biller: Ibadan Disco (IBEDC), prepaid: '45701411444', postpaid: '45701411444'}
  paytv:
  - {biller: DSTV, account: '4115702261'}
  - {biller: GoTV, account: '2004464949'}
  - {biller: Startime, account: '02027137167'}
  isp:
  - {biller: Smile, account: '110121'}
  - {biller: Swift, account: '1203000002'}
  - {biller: Spectranet, account: '18182732'}
notes: >-
  Test and live credentials are issued separately from the Paga Business
  dashboard (Developer Tools > API keys). Business API access additionally
  requires IP whitelisting even in test.