generated: '2026-07-17'
method: searched
source: https://docs.paymongo.com/docs/payment-acceptance-testing
description: >-
  PayMongo's sandbox / test-data surface, captured verbatim from the testing
  docs. Test mode mirrors the live API; no real money moves. Mode is selected by
  the API-key prefix. All values below are PayMongo's published test values.
docs:
  - https://docs.paymongo.com/docs/payment-acceptance-testing
  - https://docs.paymongo.com/docs/account-settings-api-keys
modes:
  - name: test
    key_prefixes: [sk_test_, pk_test_]
    real_charges: false
    notes: Isolated from live data; get test keys from Dashboard > Developers > API Keys.
  - name: live
    key_prefixes: [sk_live_, pk_live_]
    real_charges: true
test_cards:
  rule: Use any future expiry date and any 3-digit CVC.
  successful:
    - {number: '4343434343434345', network: Visa, three_ds: none}
    - {number: '4571736000000075', network: Visa, three_ds: none}
    - {number: '5123000000000002', network: Mastercard, three_ds: none}
    - {number: '4120000000000007', network: Visa, three_ds: 'required — select Authorize at prompt'}
    - {number: '5123000000000001', network: Mastercard, three_ds: 'supported but optional'}
  declines:
    - {number: '4200000000000018', reason: Expired card}
    - {number: '4300000000000017', reason: Invalid CVC}
    - {number: '5100000000000198', reason: Insufficient funds}
    - {number: '4111111111111111', reason: Generic decline}
  auth_then_fail:
    - {number: '5234000000000106', behavior: 'Authorization passes, payment fails (awaiting_payment_method); card NOT vaulted'}
e_wallets:
  notes: >-
    Attach the Payment Method normally; you receive next_action.redirect.url —
    open it and select Authorize or Fail on the PayMongo test page. No real
    GCash / Maya / GrabPay / ShopeePay account needed.
qr_ph:
  notes: >-
    Test mode generates real QR codes — do NOT scan and pay them (would process a
    real transaction). Use the test_url in the response to simulate scenarios.
direct_online_banking:
  brankas:
    banks: [BDO, Landbank, Metrobank]
    success_otp: '123456'
    abandonment: Close the page early to simulate EXPIRED / DENIED / CANCELLED.
  unionbank:
    success_otp: '111111'
    failure_otps: ['222222', '333333', '444444', '555555', '666666']
  bpi:
    account: '***0001'
    success_otp: '123456'
    invalid_otp: '654321'
    expired_otp: '000000'
hold_then_capture:
  card: Use any test card with capture_type "manual"; status becomes awaiting_capture.
  cases:
    - {scenario: Capture amount <= intent amount, result: succeeded}
    - {scenario: Capture amount > intent amount, result: 'error allowed_amount_exceeded'}
    - {scenario: '4120000000000007 select Authorize', result: awaiting_capture}
    - {scenario: '4120000000000007 select Fail', result: 'awaiting_payment_method (no payment attached)'}
subscriptions:
  cases:
    - {test_case: Successful activation, card: '4120000000000007', result: 'Authorize -> subscription active'}
    - {test_case: Failed activation, card: '5234000000000106', result: 'Fail -> incomplete (then incomplete_cancelled after 24h)'}
    - {test_case: Activation ok, recurring fails, card: '5123000000000001', result: 'active, then next cycle fails -> past_due -> unpaid'}