generated: '2026-07-20'
method: searched
source: https://docs.payrails.com/docs/test-payments
environments:
  staging_base: https://api.staging.payrails.io
  production_base: https://api.payrails.io
  separation: Credentials are created and scoped per environment (Staging vs Production) in the Portal.
test_psp:
  name: Test PSP (fake/mock payment provider)
  enabled: Enabled by default from the creation of a Payrails environment.
  default_behavior: Responds with success to payment requests by default.
  simulation: >-
    Customize responses by adding `meta` fields whose values correspond to
    "operation results" (see errors/payrails-decline-codes.yml) to simulate
    authorization, decline, fraud, invalid-data, and 3D Secure scenarios.
  meta_fields_doc: https://docs.payrails.com/docs/operation-results
scenarios_supported:
  - authorization success
  - decline scenarios (via operation-result meta values)
  - fraud detection
  - invalid data handling
  - 3D Secure authentication
notes: >-
  Payrails does not publish fixed magic test card numbers; test behavior is driven
  by the Test PSP plus meta fields mapping to operation results. No verbatim test
  card values are published to capture.