Before going live, always test your payment forms using each gateway's sandbox credentials and test card numbers. This article lists the test cards and credentials for every gateway WP SmartPay Pro supports.
Enabling Test Mode
- Go to SmartPay → Settings → General.
- Toggle Test Mode to on and save.
- A yellow "Test Mode Active" banner will appear at the top of SmartPay admin screens.
- All payments made while test mode is active are fake — no real money moves and charges are not processed through live gateway accounts.
Stripe Test Cards
Stripe uses the same API keys in test mode — just set them in SmartPay → Settings → Gateways → Stripe using your Stripe test API keys (starting with sk_test_ and pk_test_).
| Scenario | Card number | Expiry / CVV |
|---|---|---|
| Successful payment | 4242 4242 4242 4242 | Any future date / Any 3 digits |
| Requires authentication (3DS) | 4000 0025 0000 3155 | Any future date / Any 3 digits |
| Card declined (generic) | 4000 0000 0000 0002 | Any future date / Any 3 digits |
| Insufficient funds | 4000 0000 0000 9995 | Any future date / Any 3 digits |
| Card expired | 4000 0000 0000 0069 | Any future date / Any 3 digits |
PayPal Sandbox
- Go to developer.paypal.com and log in.
- Under Sandbox → Accounts, create a Personal (buyer) sandbox account.
- In SmartPay settings, enter your sandbox PayPal email in the PayPal settings.
- At checkout, use the sandbox buyer account email and password to simulate a payment.
Razorpay Test Credentials
| Card type | Card number | Expiry / CVV |
|---|---|---|
| Visa (success) | 4111 1111 1111 1111 | Any future date / Any 3 digits |
| Mastercard (success) | 5267 3181 8797 5449 | Any future date / Any 3 digits |
| UPI (success) | Use VPA: success@razorpay | — |
| UPI (failure) | Use VPA: failure@razorpay | — |
| Net Banking | Select any bank → use test credentials shown on redirect page | — |
Use your Razorpay test mode API keys (from the Razorpay Dashboard, toggle to Test mode).
Mollie Test Credentials
Mollie uses a test API key (starting with test_) — no real test card numbers needed. At checkout in test mode, Mollie shows a status selector (Paid, Failed, Cancelled, Pending) so you can simulate any outcome.
Paddle Test Credentials
Paddle uses a sandbox environment. Use your Paddle sandbox vendor credentials in SmartPay settings. At checkout, Paddle's sandbox shows a pre-filled test card — just click Pay to simulate a successful purchase.
Authorize.Net Test Cards
| Scenario | Card number | Expiry |
|---|---|---|
| Successful payment | 4007000000027 | Any future date |
| Declined | 4222222222222 | Any future date |
bKash Test Credentials
bKash provides sandbox credentials through their developer portal. Use the test phone number and PIN provided in your bKash sandbox account. No real wallet balance is needed.
What to Verify After a Test Payment
- Payment appears in SmartPay → Payments with status Completed
- Customer appears in SmartPay → Customers
- Confirmation email arrives at the buyer's address
- For subscriptions: subscription appears in SmartPay → Subscriptions with status Active
- Any integrations fire correctly (email list, LMS enrollment, Slack notification)
- Success redirect page loads correctly
Once all tests pass, go to SmartPay → Settings → General and disable Test Mode before accepting real payments.