Testing

Test mode is a full copy of Biftpay with fake money. Use a bp_test_ key and everything you create (payments, customers, payouts, webhooks) lives only in test mode. Live keys (bp_live_) never see test data, and the other way round.

Test cards#

Use these at checkout with any future expiry date, any 3-digit CVC and any name.

Card number	What happens
`4000 0000 0000 0002`	Approved.
`4000 0000 0000 0119`	Declined: insufficient funds.
`4000 0000 0000 0556`	Declined. The customer can try another card.
`4000 0000 0000 0663`	The bank takes a while: the payment stays `processing` and succeeds about 20 seconds later.
`4000 0000 0000 0770`	3-D Secure. Checkout asks for the code from the customer's bank: `123456` approves, any other code fails, and Cancel gives up. Nothing is taken unless the code is right.

Any other card number is declined. In test mode, checkout lists these cards under Test cards so you can tap one to fill it in.

Bank transfers#

Choose Bank transfer at checkout to get a test account number. Then press Simulate sending ₦… on the same page: the transfer "arrives", the payment becomes successful and you get the webhook, just as with a real transfer.

Test bank accounts#

When you add a payout account in test mode, the last digits of the account number decide what happens:

Account number ends in	What happens
`0000`	The bank can't find the account (name enquiry fails).
`7777`	The payout is rejected.
`8888`	The payout stays `processing`.
`9999`	The payout fails after it's sent; the money goes back to your available balance.
anything else	Paid.

Refunds in test mode: an amount ending in 13 kobo is rejected, and one ending in 17 stays pending for a while before it succeeds.

Test helpers#

Some things take time in real life: money moving from pending to available the next business day, or settlement waiting for 08:00. Test helpers make them happen now, so your automated tests don't wait. They only work with test keys.

Helper	What it does
`POST /v1/test_helpers/payment_intents/{id}/succeed`	Marks a payment successful, as if the customer paid at checkout.
`POST /v1/test_helpers/virtual_accounts/{id}/simulate_transfer`	Pretends a customer sent money to one of your virtual accounts.
`POST /v1/test_helpers/balance/release_pending`	Moves everything pending to available now.
`POST /v1/test_helpers/settlements/run`	Runs automatic settlement for your account now.

Each one sends the same webhooks the real thing would, so you can test your whole flow end to end. For card and bank transfer payments, use checkout itself: the test cards and Simulate sending above. Payouts in test mode are sent and confirmed by themselves within a few seconds. See the helpers in the API reference.