Overview

When testing your PayNearMe integration in Sandbox, it’s important to use the designated test accounts rather than real payment details. PayNearMe provides a set of sample credit and debit cards that allow you to simulate both successful and declined transactions across the Consumer Portal, Embedded Client, and API. These test credentials make it possible to validate payment flows, verify error-handling logic, and reproduce specific decline scenarios—ensuring your integration is reliable before moving into production.

Consumer Portal Testing

PayNearMe provides test credit card, debit card, and bank account details in the Consumer Portal and Embedded Client that you can add by clicking the View button and then selecting one of the provided values. The portal automatically pre-fills the required payment method data to test both successful and declined transactions.

API Testing

When testing in the API you can use the following card PANs to simulate successful transactions in the PayNearMe platform. All other required fields can be of your choosing as long as they're submitted in a valid format.

Decline Testing

When testing decline scenarios you can use the test accounts listed above with the following amounts to simulate specific decline codes. These amounts should be inclusive of the convenience fee for the transaction. The following table includes links to each decline code that can be tested.

AVS Testing

AVS testing can be performed using specific CVV values that will trigger decline codes associated with AVS failures.