Testing Payments

You can test your entire payment flow without processing real transactions. OwnPay supports test card numbers, sandbox gateways, and webhook simulation.

Test card numbers

Use these cards with any Stripe-based gateway configured in test mode:

Card number	Brand	Outcome
`4242 4242 4242 4242`	Visa	Success
`4000 0025 0000 3155`	Visa	3D Secure required
`4000 0000 0000 0002`	Visa	Decline
`4000 0000 0000 9995`	Visa	Insufficient funds
`5555 5555 5555 4444`	Mastercard	Success
`2223 0000 0000 0009`	Mastercard	Success (2-series)
`3782 822463 10005`	Amex	Success

Use any future expiry date, any CVC, and any postal code with these test cards.

Bkash sandbox credentials

Use those sandbox credentials for bkash:

Field	Value
Username	`sandboxTokenizedUser02`
Password	`sandboxTokenizedUser02@12345`
App Key	`4f6o0cjiki2rfm34kfdadl1eqq`
App Secret	`2is7hdktrekvrbljjh44ll3d9l1dtjo4pasmjvs5vl5qr3fug4b`

Note: These are public sandbox credentials only. Never use them in a live/production environment. For live credentials, you must apply through the official bKash Merchant Portal

bKash Sandbox Test Wallet Numbers

bKash provides specific test wallet numbers you can use to simulate payments inside the sandbox environment.

Wallet Number	OTP	PIN	Failure Reason
`01770618575`	`123456`	`12121`
`01929918378`	`123456`	`12121`
`01770618576`	`123456`	`12121`
`01877722345`	`123456`	`12121`
`01619777282`	`123456`	`12121`
`01619777283`	`123456`	`12121`
`01823074817`	`123456`	`12121`	Insufficient Balance
`01823074818`	`123456`	`12121`	Debit Block

Gateway sandbox configuration

Each gateway has a sandbox or test mode you activate from the admin panel. The table below shows where to find test credentials:

Gateway	Sandbox activation	Where to get test credentials
Stripe	Toggle Test Mode in gateway settings	Stripe Dashboard → Developers → Test mode
PayPal	Use sandbox endpoint URL	PayPal Developer → Sandbox → Apps
bKash	Use sandbox URL and token	https://tokenized.sandbox.bka.sh/v1.2.0-beta
Nagad	Use sandbox URL and merchant ID	Contact Nagad for sandbox credentials
SSLCommerz	Toggle Sandbox in gateway settings	SSLCommerz Sandbox

Creating a test payment via API

curl -X POST https://your-domain.com/api/v1/payments \
  -H "Authorization: Bearer $OWNPAY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "10.00",
    "currency": "USD",
    "customer_email": "[email protected]",
    "description": "Test payment",
    "metadata": { "test": true }
  }'

Use the returned checkout_url to walk through the checkout flow with a test card.

Simulating webhooks

From the Developer Hub

Go to Developers → Webhooks
Click Send Test Event next to your endpoint
Choose an event type (for example payment.completed)
OwnPay sends a realistic payload with a valid signature

Via cURL

You can also manually trigger a test event:

curl -X POST https://your-domain.com/api/v1/webhooks/test \
  -H "Authorization: Bearer $OWNPAY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "endpoint_id": "we_abc123",
    "event": "payment.completed"
  }'

Testing refunds

Create a completed test payment first, then issue a refund:

curl -X POST https://your-domain.com/api/v1/payments/pay_abc123/refunds \
  -H "Authorization: Bearer $OWNPAY_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "10.00",
    "reason": "Customer request"
  }'

Refunds in test mode are instant and do not move real money.

For deeper debugging including log inspection and request tracing, see Debug mode.

Getting Started

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Building Plugins

Translations

AI Tools

Testing Payments

Test card numbers

Bkash sandbox credentials

bKash Sandbox Test Wallet Numbers

Gateway sandbox configuration

Creating a test payment via API

Simulating webhooks

From the Developer Hub

Via cURL

Testing refunds

​Test card numbers

​Bkash sandbox credentials

​bKash Sandbox Test Wallet Numbers

​Gateway sandbox configuration

​Creating a test payment via API

​Simulating webhooks

​From the Developer Hub

​Via cURL

​Testing refunds

​Related pages

Test card numbers

Bkash sandbox credentials

bKash Sandbox Test Wallet Numbers

Gateway sandbox configuration

Creating a test payment via API

Simulating webhooks

From the Developer Hub

Via cURL

Testing refunds

Related pages