Testing payment methods

Test payment methods and resolve common issues.

Before you start processing real transactions with MultiSafepay, we recommend testing each payment method in your MultiSafepay test account .

Credentials

For all payment methods except AfterPay, you need your site's test API key.

How to make a test payment

  1. Initiate a payment:

    In your ready-made integration
    • In your backend, enter your test site API key.
    • Place a test order, and then initiate a transaction with the payment method you are testing.

    Via our API
    • Create an order via our API to the test endpoint: https://testapi.multisafepay.com/v1/json/
    • For example requests for specific payment methods, see Examples.

  2. Enter the test payment details for the payment method you are testing, or select a payment scenario.

  3. Complete the test payment.

  4. To check the transaction details, sign in to your test dashboard .

  5. Go to Transactions > Transactions overview, and then click the relevant transaction.

  6. On the Transaction details page, under Offline actions, to see if you have successfully connected to our system, check that you've correctly received the notifyMerchantTrans action.
    For information about errors, see HTTP errors.

Success!

Once your live account is approved, make sure you use the site API key from your live account instead of your test account.


Test payment details

When testing, use the following test payment details for different scenarios.

Methods not available in test environment

You can't test the following methods in your MultiSafepay test account. You can only make test payments in your MultiSafepay live account.

  • Betaal per Maand
  • iDEAL QR
  • Paysafecard
  • Request to Pay
  • TrustPay

Banking methods

How to test Bancontact

Test a Bancontact order

  1. Create an order > Banking order (Example: Bancontact redirect).
  2. Open the payment link.
  3. In the Card number field, enter a card number (see table below).
  4. In the Expiry date fields, enter any future date.
  5. Click Confirm.
Card numberScenarioDescription
67034500054620008CompletedTransaction was completed (3D enrolled).
Also use this card number when creating orders to test refunds and API refunds.
67034500054610009DeclinedTransaction was declined (card must be 3D enrolled).
67039902990000045DeclinedTransaction was declined (3D authentication failed).
67039902990000011DeclinedTransaction was declined (3D authentication successful, but insufficient funds).

You can see the reason the transaction was declined in your MultiSafepay test account under Notes.

Test a Bancontact QR code

  1. Create an order > Banking order (Example: Bancontact QR)
  2. Open the payment link.
  3. Scan the QR code with a general QR reader (not the Bancontact app or an error occurs).
  4. On the Test platform page, from the Test scenario list, select Completed.
  5. Click Test.
How to test bank transfers
  1. Create an order > Banking order (Example: Bank transfer redirect)
  2. Open the payment link.
  3. In the Your bank account field, enter an IBAN (see table below).
  4. From the Bank's country list, select a country, and then click Confirm.
IBANScenarioDescription
NL87ABNA0000000001CompletedTransaction is initiated. After 2 minutes, this changes to Completed.
Also use this for testing refunds.
NL87ABNA0000000002ExpiredTransaction is initiated. After 2 minutes, this changes to Expired.
NL87ABNA0000000004DeclinedTransaction is initiated. After 2 minutes, this changes to Declined.
Any other IBANExpiredTransaction is initiated. After 5 days, this changes to Expired.

Note: You can't test making direct API requests with an IBAN to test different transaction statuses.

How to test Belfius, CBC/KBC, Sofort & Trustly
  1. Create an order > Banking order.
    See also the Examples for the specific payment method.
  2. Open the payment link.
  3. On the Test platform page, from the Test scenario list, select Completed.
  4. Click Test.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.
How to test Dotpay
  1. Create an order > Banking order (Example: Dotpay redirect)
  2. On the Dotpay page, enter in the:
    • Email address field: Any email address
    • Phone number field: Any phone number
  3. Select a bank. (You may see more banks available in the live environment.)
    You are automatically redirected.
  4. On the Test platform page, from the Test scenario list, select Completed.
  5. Click Test.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.
How to test EPS
  1. Create an order > Banking order (Example: EPS redirect)
    In the customer object, set the locale parameter to at_AT.
  2. On the EPS page, in the BIC field, enter any BIC code, e.g. RZOOAT2L420.
  3. Click Confirm.
  4. On the Test platform page, from the Test scenario list, select Completed.
  5. Click Test.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.
How to test Giropay
  1. Create an order > Banking order (Example: Giropay redirect)
  2. On the Giropay page, in the BIC field, enter any BIC code, e.g. NOLADE22XXX.
  3. Click Confirm.
  4. On the Test platform page, from the Test scenario list, select Completed.
  5. Click Test.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.
How to test iDEAL
  1. Create an order > Banking order (Example: iDEAL direct/redirect)
  2. For redirect, select a bank.
  3. On the Test platform page, from the Test scenario list, select Completed.
  4. Click Test.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.

You can also test the following scenarios:

ScenarioDescription
DeclinedTransaction was declined.
Open CompletedTransaction is initiated. After 1 minute, this changes to Completed.
Open DeclinedTransaction is initiated. After 1 minute, this changes to Declined.
How to test direct debits
  1. Create an order > Banking order (Example: Direct debit direct/redirect)
  2. For redirect orders, open the payment link.
  3. Enter in the:
    • Account holder field the account holder name.
    • IBAN field an IBAN (see table below).
  4. Click Confirm.
IBANScenarioDescription
NL87ABNA0000000001CompletedTransaction is initiated. After 2 minutes, this changes to Completed.
Also use this IBAN to test refunds and API refunds.
NL87ABNA0000000002DeclinedTransaction is initiated. After 2 minutes, this changes to Declined.
NL87ABNA0000000003Uncleared > CompletedTransaction is initiated. After 2 minutes, this changes to Uncleared. After 1 more minute, it changes to Completed.
NL87ABNA0000000004Uncleared > DeclinedTransaction is initiated. After 2 minutes, this changes to Uncleared. After 1 more minute, it changes to Declined.
How to test MyBank
  1. Create an order > Banking order (Example: MyBank direct/redirect)
    In the customer object, set the locale parameter to it_IT.
  2. For redirect orders, open the payment link.
  3. Select the bank/payment scenario below.
  4. Click Continua sull'online banking.
BankScenarioDescription
Allianz Bank FA SPACompletedTransaction is initiated. After 2 minutes, this changes to Completed.
Also use this IBAN to test refunds and API refunds.
Banca di Cesena - Credito Coop.DeclinedTransaction is initiated. After 2 minutes, this changes to Declined.
Credito ArtigianoCancelledTransaction is initiated. After 2 minutes, this changes to Cancelled.
Volksbank - Banca PopolareExpiredTransaction is initiated. After 2 minutes, this changes to Expired.

Credit and debit cards

How to test cards
  1. Create an order > Card order.
    See also the Examples for the specific card scheme.
    For co-branded cards, see the Credit card redirect example. In the customer object, set the locale parameter:
    • Cartes Bancaires: fr_FR
    • Dankort: da_DK
    • Postepay: it_IT
  2. On the payment page:
    • In the Card number field, enter a card number (see table below).
    • In the Card holder field, enter any name.
    • From the Expiry date lists, select any future date.
    • In the CVC/CVV field, enter 123.
    • Click Confirm.
  3. On the 3D payment page:
    • From the drop-down list, select Authenticated (Y).
    • Click Confirm.
      The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.
Card numberScenarioDescription
Amex: 378282246310005
Maestro: 6759000000005
Mastercard: 5500000000000004
Visa/co-branded:
4111111111111111
CompletedTransaction was completed (3D enrolled)
Visa/co-branded:
4917300000000008
UnclearedTransaction is uncleared. After 3 minutes, this changes to Void.
Amex: 378734493671000
Visa/co-branded:
4462000000000003
UnclearedTransaction is uncleared. After 3 minutes, this changes to Completed.
Amex: 374200000000004
Visa/co-branded:
4012001037461114
DeclinedTransaction was declined (3D authentication failed)
Visa/co-branded:
4012001038488884
DeclinedTransaction was declined (3D authentication was successful, but insufficient funds)

Note: You can see the reason a transaction was declined in your MultiSafepay test account under Notes.


BNPL methods

How to test AfterPay

Request an API key

  1. Request a test API key from AfterPay via either:

    AfterPay shares the test key with MultiSafepay.

  2. To enable AfterPay in your MultiSafepay test account, email [email protected]

Test an AfterPay order

  1. Create an order > BNPL order
    Example: AfterPay direct/redirect
  2. For redirect orders, select the checkbox at the bottom of the AfterPay page, and then click Confirm.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Uncleared.

Test declining an order

To decline an order, in your test account under Order summary, click Decline.
The transaction and order statuses change to Void.

Test AfterPay rejecting an order

To test AfterPay rejecting an order, in your direct or redirect API request, use the following email address: [email protected]
The transaction and order statuses change to Declined.

Change the order status

You can change the order status to Shipped or Cancelled.
To change the order status, either:

  • Make an update order request, or
  • In your MultiSafepay test dashboard, go to Order summary, and then click Order status.

Note: You can't test:

  • Receiving successful payment notifications from AfterPay
  • Changing the transaction status from Uncleared to Completed
  • Processing refunds
How to test E-Invoicing & Pay After Delivery

Test an order

  1. Create an order > BNPL order
    Example: E-Invoicing/Pay After Delivery direct/redirect
  2. For redirect orders, open the payment link.
  3. Enter in the:
    • Birthdate field any date of birth. Format: DD-MM-YYYY.
    • Bank account field any 10-digit bank account number.
    • Email address field any email address.
    • Phone number field any phone number.
  4. Click Confirm.
    The payment is processed in the test environment as Successful, with order and transaction statuses Uncleared.

Test declining an order

To decline an order, in your test account under Order summary, click Decline.
The order status and transaction status change to Void.

Test shipping an E-Invoicing order

To test shipping an order, make an update order API request with status "shipped". You receive the invoice_url in the API response.

How to test in3

Test an in3 order

  1. Create an order > BNPL order
    Example: in3 direct/redirect
    Use the following customer details:

    • Date of birth: 01-01-1999
    • Postal code: 1234AB
    • House number: 1

    For redirect orders:

    • Enter in the:
      • Birthdate field: 01-01-1999
      • Phone number field: Any phone number
    • Select your title, and then click Confirm.
  2. Select the checkbox to accept in3's payment terms and privacy statement, and then click Afronden.

  3. On the Test platform page, from the Test scenario list, select Completed.

  4. Click Test.

  5. On the in3 page, click Terug naar webshop.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Uncleared.

Test in3 declining an order

Use the following customer details:

  • Date of birth: 01-01-2000
  • Postal code: 1111AB
  • House number: 1

The order status and transaction status change to Declined.

Test shipping an in3 order

To test shipping an order, either:

  • Make an update order API request with status shipped, or
  • In your MultiSafepay test dashboard, go to Order summary, and then click Order status.

Receive an in3 invoice

You can only test invoicing in your MultiSafepay live account. To do this, change the order status to Shipped.

Test refunding an in3 order

To test refunding an order:

  1. Create an order.
  2. Change the order status to shipped.
  3. Click Refund complete order, and then click Save item changes.
    A new order is created for the refund. The order status for the refund changes to Completed.

Test an in3 API refund

To test refunding an order via the API:

  1. Create an order.
  2. Change the order status to shipped.
  3. Make a BNPL refund API request: Refund order > BNPL refund.
    A new order is created for the refund. The order status for the refund changes to Completed.
How to test Klarna

Test credentials

Test a Klarna order

  1. Create an order > BNPL order
    Example: Klarna direct/redirect
  2. On the Klarna page, click Kopen.
  3. In the Telefoonnummer field, enter any mobile number, and then click Ga verder.
  4. In the Verificatiecode field, enter any 6-digit number, and then click Bevestigen.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Uncleared.

Test declining an order

To decline an order, in your test account under Order summary, click Decline.
The transaction and order statuses change to Void.

Change the order status

You can change the order status to Shipped or Cancelled.
To change the order status, either:

  • Make an update order API request, or
  • In your MultiSafepay test dashboard, go to Order summary, and then click Order status.

Test refunding an order

To refund an order:

  1. Change the order status to Shipped.
  2. Under Order summary, click Refund order, or make a BNPL refund API request: Refund order > BNPL refund.
    The transaction status changes to Completed.

Receive an invoice

You can only test invoicing in your MultiSafepay live account. To do this, change the order status to Shipped.

Note You can't test:

  • Receiving successful payment notifications from Klarna
  • Changing the transaction status from Uncleared to Completed, except for refunds

More information

To learn more about integrating Klarna with MultiSafepay, see Klarna.


Prepaid cards

How to test Edenred
  1. Create an order > Prepaid card order
    Example: Edenred redirect
  2. On the payment page, click Add discount.
  3. From the Test scenario list, select the relevant discount, and then click Test.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.
How to test gift cards

Supported gift cards

You can test the following gift cards:

  • Beauty Cadeau
  • Boeken Voordeel
  • Huis & Tuin Cadeau
  • Klus Cadeau
  • Nationale Bioscoopbon
  • VVV Cadeaukaart
  • Wijn Cadeaukaart

You can't test other gift cards in your MultiSafepay test account. You can only make test payments in your MultiSafepay live account. You make a small payment and the amount is actually deducted from the gift card.

Test a gift card order

  1. Create an order > Prepaid card order
    Example: Gift card redirect
  2. Open the payment link.
  3. Enter in the:
    • Card number field 111115
    • Security code field any 4-digit number
  4. Click Add discount.
    The payment is processed in the test environment as Successful, with order status Completed, and transaction status Completed.

Use the following card numbers to test different gift card balances.

Card numbersBalance
111115€ 100
111112€ 5
111110No balance

Any other card number receives an "Invalid card number" error.


Wallets

How to test Alipay
  1. Create an order > Wallet order
    Example: Alipay direct/redirect
  2. On the Test platform page, from the Test scenario list, select Completed.
  3. Click Test.
    The payment is processed in your MultiSafepay test account as Successful, with order status Completed, and transaction status Initialized.

Note: You can't test Alipay declining transactions.

How to test Apple Pay

Compatible devices

For compatible devices, see Apple – Devices compatible with Apple Pay .

If you don't own an Apple device, we recommend using the Appetize.io emulator. When you try to complete a test payment on the payment page, you get a This device is not supported error. But the emulator creates an order with the Apple Pay gateway pre-selected to check if there is an existing connection to our server. However, you can't fully complete the test transaction.

Prerequisites

  • Use a compatible device
  • Use Safari browser
  • Activate Maestro for your MultiSafepay account

If these requirements are not met, Apple Pay doesn't appear on the checkout page.

Testing Apple Pay redirect

To test your Apple Pay redirect integration, there are two ways:

  • If you have an Apple account with at least one credit card in your wallet, you can use your own account and card details in our test environment without incurring any costs.
  • Alternatively, you can use an Apple Developer account configured for Apple Pay, with at least one Apple Pay test card in your wallet.

To test, follow these steps:

  1. Create an order > Wallet order
    Example: Apple Pay redirect
  2. On the payment page, click the Apple Pay button.
    You can ignore the "This device is not supported" error.
  3. Sign in to your Apple Developer account and select your test card.
  4. Authorize the payment.
    The transaction is completed.

Testing Apple Pay direct

See Apple Pay direct integration – Test your integration.

How to test Google Pay

To test Google Pay payments, follow these steps:

  1. In your checkout, click the Google Pay button.

  2. Complete payment using your Google account.

    Your real card details are never processed in our testing environment, but you must add at least one chargeable card to your Google account.

    Depending on your card's authentication method, you may or may not be redirected to authenticate:

    • PAN only: Authentication method for cards stored on file in your Google Account. Returned payment data includes your personal account number (PAN), expiration month, and expiration year. You are redirected to a test 3D Secure page to authenticate the payment.
    • Cryptogram 3DS: Authentication method for cards stored as Android device tokens. Returned payment data includes a 3D Secure cryptogram generated on the device. You are not redirected to authenticate the payment.
      For more information about testing, see Google Pay – Test with sample tokens .
  3. Check the status of the payment in your test dashboard .

How to test PayPal

Test a PayPal order

  1. Create an order > Wallet order
    Example: PayPal direct
  2. On the Test platform page, from the Test scenario list, select Completed.
  3. Click Test.
    The payment is processed in your MultiSafepay test account as Successful, with order status Completed, and transaction status Initialized.

Note: Since MultiSafepay does not collect payments on behalf of PayPal, the transaction status remains Initialized and can't be changed to Completed.

Change the order status

You can change the order status to:

StatusDescriptionTest scenario
CompletedOrder was completedCompleted
VoidOrder was cancelledCancelled
Initialized/ CompletedPayment blocked by PayPal, then accepted after 2 minutesInitialized completed

To change the order status, on the Test platform page, from the Test scenario list, select the relevant test scenario.

How to test WeChat Pay
  1. Create order > Wallet order
    Example: WeChat direct/redirect
  2. Scan the QR code with a general QR reader (not the WeChat app or an error occurs).
  3. On the Test platform page, from the Test scenario list, select Completed.
  4. Click Test.
    The payment is processed in your MultiSafepay test account as Successful, with order status Completed, and transaction status Completed.


User guide

Cancellations

How to test cancelling an order
  1. Create an order in your backend or via the API as above.
  2. On the Test platform page, from the Test scenario list, select Cancelled.
  3. Click Test.
    The order status changes to Void.

You can process full refunds in your MultiSafepay test dashboard .

Partial refunds are not enabled by default. To enable this, email [email protected]

If you refund a payment in your MultiSafepay test dashboard, the transaction status remains Reserved or Initialized until the refund is manually approved, since there is no involvement with a bank.

Supported payment methods

You can test cancelling orders for the following methods:

  • Banking methods: Belfius, CBC/KBC, Dotpay, EPS, Giropay, iDEAL (not QR), Sofort, Trustly
  • Wallets: Alipay, PayPal

Live environment

For some payment methods, refund orders in the live environment are processed automatically.

Supported payment methods

Refund orders in the live environment are processed automatically for the following methods:

  • Banking methods: Bancontact (not QR), bank transfers, Belfius, CBC/KBC, direct debits, Dotpay, EPS, Giropay, iDEAL (not QR), Sofort, Trustly
  • Credit and debit cards
  • Wallets: Alipay, PayPal, WeChat Pay

Refunds

How to test refunding an order
  1. Create an order.
  2. Wait until the transaction status changes to Completed.
  3. In your MultiSafepay test dashboard, go to Order summary, and then click Refund order.
  4. Under Refund, enter in the:
    • Account holder name field the account holder name of the account you want to refund to.
    • Amount field the amount to refund.
    • IBAN field the IBAN of the account you want to refund to.
    • Reason/Description field the reason for the refund.
  5. Click Continue.
  6. Under Refund confirmation, check that the description and amount are correct, and then click Confirm.
    A new order is created for the refund, with status Reserved or Initialized.
  7. Under Related transactions, select the ID of the refund order.
  8. Under Order summary, click Accept.
  9. In the Add transaction comment field, add a comment, and then click Add.
    The order status changes to Completed.

Supported payment methods

You can test refunds for the following methods:

  • Banking methods: Bancontact (not QR), bank transfers, Belfius, CBC/KBC, direct debits, Dotpay, EPS, Giropay, iDEAL (not QR), Sofort, Trustly
  • Credit and debit cards
  • BNPL: in3, Klarna
  • Wallets: Alipay, PayPal, WeChat Pay
How to test refunding an API order
  1. Create an order.
  2. Make a refund API request.
    A new order is created for the refund. The order status for the refund changes to Reserved or Initialized.
  3. In your MultiSafepay test dashboard, go to Related transactions, and then select the ID of the refund order.
  4. Under Order summary, click Accept.
  5. In the Add transaction comment field, add a comment, and then click Add.
    The order status changes to Completed.

Supported payment methods

You can test refunds for the following methods:

  • Banking methods: Bancontact (not QR), direct debits, EPS, Giropay, iDEAL (not QR), Sofort, Trustly
  • Credit and debit cards
  • BNPL: in3
  • Wallets: PayPal, WeChat Pay


See also

If you encounter any issues during testing, see Troubleshooting.

💬

Support

Email [email protected]

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