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Overview

Test mode lets you simulate payments without processing real transactions. All test credentials only work in test mode — never use them in production.

No Real Charges

Test transactions don’t process actual payments or affect real accounts.

Full API Access

All API endpoints work identically in test and live modes.

Webhook Testing

Webhooks fire for test transactions just like production.
Test credentials only work in test mode. Attempting to use them in live mode will result in payment failures.

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Test Cards

Use these card numbers to simulate successful and declined payments across different regions.
RegionBrandCard NumberExpiryCVV
USVisa424242424242424206/32123
USMastercard555555555555444406/32123
IndiaVisa457623891277145006/32123
IndiaMastercard540916266938103406/32123
For all test cards, use expiry date 06/32 and CVV 123.
For more details on card testing, including 3D Secure and saved payment methods, see the Cards page.

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Test UPI

UPI testing uses special VPA (Virtual Payment Address) identifiers that simulate different payment outcomes.
StatusUPI ID
Successsuccess@upi
Failurefailure@upi

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Requirements for UPI Testing

  • Billing country must be set to IN
  • Currency must be INR
  • For non-Indian merchants: Adaptive Currency must be enabled
For complete UPI documentation including RBI mandate testing for subscriptions, see the India Payment Methods page.

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Test BNPL

Buy Now Pay Later providers have specific test data requirements.

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Klarna Test Data

Use these details to simulate Klarna payments in test mode:
FieldApprovedDenied
Date of Birth07-10-197007-10-1970
First NameTestTest
Last NamePerson-usPerson-us
Email[email protected][email protected]
StreetAmsterdam AveAmsterdam Ave
House Number509509
CityNew YorkNew York
StateNew YorkNew York
Postal Code10024-394110024-3941
Phone+13106683312+13106354386
Klarna requires a minimum transaction amount of $50.01 to appear as a payment option.

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Afterpay Testing

1

Select Afterpay

Choose Afterpay as the payment method in checkout and click Pay.
2

Test successful payment

Use any valid email address and shipping address for successful payments.
3

Test failed authentication

To simulate failure, close the Afterpay modal window on the redirect page. The payment transitions from requires_action to requires_payment_method.
Afterpay requires a minimum transaction amount of $50.01 to appear as a payment option.
For complete BNPL documentation including Billie B2B testing, see the Buy Now Pay Later page.

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Test Digital Wallets

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Apple Pay

1

Enable test mode

Use your Dodo Payments test API keys.
2

Add a card to Apple Wallet

Add a real card to your Apple Wallet. In test mode, the card won’t be charged.
3

Complete test purchase

Open checkout on an Apple device and complete the Apple Pay flow.
Apple Pay requires HTTPS. It won’t appear on localhost without proper SSL setup. Domain verification must also be complete.

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Google Pay

1

Join the test card group

Join the Google Pay test card group to get test cards automatically added to your wallet.
2

Enable test mode

Use your Dodo Payments test API keys.
3

Complete test purchase

Select one of the test cards in Google Pay to complete the transaction.

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Amazon Pay, Cash App Pay & RevolutPay

Use your test API keys and follow the standard checkout flow. Test transactions are simulated without actual charges. For complete digital wallet documentation including domain verification for Apple Pay, see the Digital Wallets page.

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Test European Methods

European payment methods (iDEAL, Bancontact, EPS, Multibanco) can be tested in sandbox mode.
1

Enable test mode

Use your Dodo Payments test API keys.
2

Set billing address

Set the billing address country to match the payment method:
  • NL for iDEAL
  • BE for Bancontact
  • AT for EPS
  • PT for Multibanco
3

Set currency

European methods require EUR currency.
4

Complete test flow

Follow the simulated bank authentication flow in the test environment.
For complete European payment methods documentation, see the Europe page.

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Testing Best Practices

Don’t just test successful payments. Test declines, cancellations, and edge cases like insufficient funds.
Ensure your webhook endpoints correctly process all event types, especially payment.succeeded, payment.failed, and subscription events.
For Apple Pay and Google Pay, test on actual iOS and Android devices. Simulators don’t fully replicate wallet behavior.
Regional payment methods (UPI, iDEAL, etc.) require matching billing addresses. A US billing address won’t show iDEAL.
BNPL methods require $50.01 minimum. Test that they correctly appear/hide based on cart total.

Cards

Card testing, 3D Secure, and saved payment methods.

Digital Wallets

Apple Pay, Google Pay, Amazon Pay testing.

BNPL

Klarna, Afterpay, and Billie testing.

India

UPI and RBI mandate testing.

Europe

iDEAL, Bancontact, EPS, Multibanco testing.

Webhooks

Set up webhooks for test events.