Payment methods

Mangopay provides test cards and account details for you to simulate transactions in your Sandbox environment.

Warning - For Sandbox only

All cards and account details available on this page are for testing purposes in the Sandbox environment only.

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Cards

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CB/Visa/Mastercard

The following card triggers a 3DS2 frictionless flow, where SCA is not required. You need to set the SecureMode to DEFAULT or NO_CHOICE.

Card number	4970107111111119
Expiry date	Any future date (month/year)
CVC	Any three digits
Currencies	See the currencies page for details

The following card triggers a 3DS2 challenge flow, where SCA is required. You need to set the SecureMode to FORCE or NO_CHOICE.

Card number	4970105181818183
Expiry date	Any future date (month/year)
CVC	Any three digits
Currencies	See the currencies page for details

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Maestro/Bancontact

The following card triggers a 3DS2 challenge flow, where SCA is required. You need to set the SecureMode to FORCE.

Card number	5033951000000004
Expiry date	Any future date (month/year)
CVC	Any three digits
Currencies	EUR

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AMEX

The following card triggers a 3DS2 challenge flow, where SCA is required. You need to set the SecureMode to FORCE.

Card number	375989111111119
Expiry date	Any future date (month/year)
CVC	1234
Currencies	EUR

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Banking

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Bank wires

To test pre-declared bank wire transfers, first call the POST Create a Direct Bank Wire PayIn endpoint to declare the payment.

Then, to simulate the user making the wire transfer with their bank, you can then use the Mangopay Dashboard

Once connected:

• Select your Sandbox ClientId in the top left
• Click Sandbox Ops at the bottom of the left sidebar
• Select Sandbox Operations in the left sidebar of the legacy Dashboard
• Select Process a payin bankwire
• Enter the Id of the pay-in you declared
• Select Accept the payin (or Refuse the payin) and click Submit

After a few seconds, pay-in Status changes to SUCCEEDED and the funds are credited to the wallet.

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Virtual Accounts

To test a bank wire transfer to a Virtual Account, you need to first create the account using the POST Create a Virtual Account endpoint.

Then, to simulate the user making the wire transfer with their bank, you can then use the Mangopay Dashboard

Once connected:

• Select your Sandbox ClientId in the top left
• Click Sandbox Ops at the bottom of the left sidebar
• Select Sandbox Operations in the left sidebar of the legacy Dashboard
• Select Create a banking alias payin
• Enter the following details (which are all required) and click Submit:
  • The Id of the Virtual Account in the Banking alias Id field
  • The amount to pay in (note that this is not in minor units, so 100 is EUR 100.00, for example)
  • The custom reference, which is displayed in the pay-in’s WireReference
  • The (fictional) name of the account holder
  • The (testing) IBAN and BIC – you can use these details for FR and GB

After a few seconds, the pay-in is created. To retrieve its Id via the API, call GET List Transactions for a Wallet using the Virtual Account’s WalletId.

You can also set up the PAYIN_NORMAL_SUCCEEDED webhook which contains the pay-in Id as the RessourceId parameter.

Use the GET View a PayIn endpoint to retrieve the full details of the External Instruction Bank Wire pay-in.

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Pay by bank

To test Pay by Bank, follow the RedirectURL in the API response to access the simulator.

Use the credentials below to simulate the user’s login to their bank, depending on the Country.

Other testing data is provided if available. The BankName value skips the bank selection step, and the IBAN may make it possible to avoid a second authentication step (note that in Production, the BIC is required as well). See the guide for details.

Country	User name	Password	BankName	IBAN
AT	u37836153	idv243	-	AT237779048615835002
DE	u83188312	zhx571	de-demobank-open-banking-embedded-templates	DE86622025011873401330
DK	u14373334	oam094	-	DK6112197300631497
EE	u45530588	jkw063	ee-demobank-open-banking-redirect	EE831853951696135352
ES	u89609866	bst827	es-demobank-open-banking-redirect	ES4320339641318952396609
FI	u06516046	kam413	fi-demobank-open-banking-redirect	FI5692728476249545
FR	u77894411	mzw990	fr-demobank-open-banking-redirect	FR7010096000506758298614X08
GB	u83646180	rlf446	uk-demobank-open-banking-redirect	GB27WRDK15987166981285
IE	u92721594	nbs589	-	-
IT	u42389294	fog735	it-demobank-open-banking-redirect	IT39P0266750520LJC1V5JDSPGJ
NL	u31617430	xnf660	nl-demobank-open-banking-redirect	NL24DGXA1322823873
PL	u92646934	ivf650	pl-demobank-open-banking-redirect	PL90254328459114220292385619
PT	u16025013	jvq103	pt-demobank-open-banking-redirect	PT63465472006596504782081

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Direct debit

For testing direct debits, you can use the following bank account data and mock values. Note that it is not possible to test direct debit email notifications in Sandbox.

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SEPA

You can use the following details on POST Create an IBAN Bank Account for testing the SEPA scheme:

IBAN	FR7630004000031234567890143
BIC	BNPAFRPP

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Bacs

You can use the following details on POST Create a GB Bank Account for testing the Bacs scheme:

AccountNumber	55779911
SortCode	200000

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Mandates

When testing direct debit mandates and pay-ins, you can set a specific value for the FirstName parameter of the Natural User who owns the bank account for the mandate.

• Successful - Results in an active mandate. You must do a pay-in with this mandate for the status to be updated.
• Invalid - For Bacs only, results in a failed mandate due to incorrect bank account information.
• Penniless - Results in a failed pay-in due to lack of funds (with the 001830).
• Fickle - Results in a successful pay-in which is disputed by the user and hence a dispute is created.

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Direct debit refunds

It is not possible to initiate a refund for a direct debit pay-in until the 8th day following the day of the pay-in’s CreationDate (to avoid a conflict with possible late failures).

On POST Create a Refund you can set the Tag to the mock value ignore_mindate to ignore the minimum date restriction and test refunds within 7 days. Note that you can only create a refund if the pay-in Status is SUCCEEDED, which you can achieve with the Successful mock value above.

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Alternative payment methods (APMs)

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Apple Pay

To test Apple Pay, create a sandbox Apple ID and then use this ID to log in on your device. Once logged in as a sandbox tester, add an Apple Pay test card to your Apple wallet to test your integration on your device.

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Bancontact

To test Bancontact pay-ins on web, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

For mobile, the DeepLinkURL returned by the API in Sandbox is a placeholder. Bancontact doesn’t provide a testing environment, so the only way to complete the payment in Sandbox is by using Mangopay’s web-based simulator, accessible via the RedirectURL value.

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Bizum

The only way to test Bizum is via Mangopay’s simulator. To test Bizum, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

In Sandbox, the RedirectURL is returned in all cases, because it is the only way to complete the transaction. In Production, the RedirectURL is not returned if Phone is sent.

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BLIK

To test BLIK, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

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Google Pay

You can use Google Pay’s test card suite to test your Google Pay integration with Mangopay. Once you have joined the test card suite group, you can use the following cards in Sandbox:

• 4111111111111111 - To trigger a challenge flow (requiring 3DS redirection) on web
• 5555555555554445 - To trigger a challenge flow (requiring 3DS redirection) on mobile
• 5555555555554444 - To trigger a frictionless flow (not requiring 3DS redirection) on web and mobile

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iDEAL

To test iDEAL, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

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Klarna

To test Klarna, follow the RedirectURL returned in Sandbox to access Klarna’s simulator.

Klarna’s Sample customer data allows you to test successful and failed payment scenarios. The sample data relating to disputes is available but can’t be used to simulate disputes on the Klarna’s sandbox Merchant Portal.

Note: If you use data other than the samples provided, it will be used to create a new Klarna account during the payment process.

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MB WAY

To test MB WAY, enter your phone number in the Phone parameter to receive an SMS containing a link to Mangopay’s simulator.

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Multibanco

To test Multibanco, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

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Payconiq

To test Payconiq pay-ins on web, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

For mobile, the QRCodeURL and DeepLinkURL returned by the API in Sandbox are placeholders. The only way to complete the payment in Sandbox is by using Mangopay’s web-based simulator, accessible via the RedirectURL value.

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PayPal

When PayPal is activated in Sandbox, Mangopay provides you with credentials to a PayPal account that can be used for testing.

To test PayPal, follow the RedirectURL in the API response to access the PayPal payment page and log in using the test account provided.

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Satispay

To test Satispay, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

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Swish

To test Swish, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.

For mobile, the QRCodeURL and DeepLinkURL are not returned by the API in Sandbox. The only way to complete the payment in Sandbox is by using Mangopay’s web-based simulator, accessible via the RedirectURL value.

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TWINT

To test TWINT, follow the RedirectURL in the API response to access Mangopay’s simulator. The simulator gives options to test successful and failed payment scenarios.