ValPay and Adyen provides a test environment for validating integrations and transaction flows. Test transactions do not reach the card networks.
Test environment
Get test credentials
You’ll need Adyen TEST credentials (API key, and possibly a client key if you’re using Drop-in/Components). Please request Adyen TEST access/keys via your ValPay implementation/onboarding contact.
API endpoints
Use Adyen’s Checkout API base URL in TEST:
Example full endpoint: https://checkout-test.adyen.com/v71/payments
Going live
Live Checkout endpoints use a company-specific prefix, please visit this guide for additional information about production endpoints. https://intercom.help/valpay-partner/en/articles/13745576-how-to-get-your-adyen-production-urls
Test card numbers
Adyen test card numbers only work on Adyen’s TEST platform (they won’t work elsewhere).
Core brands
Brand | Test card number | Expiry | CVC/CID |
Visa | 4111 1111 1111 1111 | 03/2030 | 737 |
Mastercard | 5454 5454 5454 5454 | 03/2030 | 737 |
American Express | 3700 0000 0000 002 | 03/2030 | 7373 |
Discover | 6011 1111 1111 1117 | 03/2030 | 737 |
Additional Test Card Details
Additional cards can be found here: https://docs.adyen.com/development-resources/test-cards-and-credentials/test-card-numbers/
3DS2-ready examples
If you specifically want a card that’s explicitly listed as enrolled for 3D Secure 2 testing, Adyen also lists dedicated 3DS2 test cards (for example: Visa 4917 6100 0000 0000).
For the full catalog (many countries/variants + AVS/3DS tooling), please check https://docs.adyen.com/development-resources/test-cards-and-credentials/test-card-numbers/
ACH Direct Debit (US) — test details
For ACH Direct Debit, Adyen’s testing approach is: any correctly formatted account number + any correctly formatted routing number (Adyen validates routing format).
Simple test values you can use
ownerName: any (example: John Smith)
bankAccountNumber: any correctly formatted account number (example: 1234567890)
bankLocationId (routing number): any correctly formatted routing number (examples: 011000138 or 121000358)
Testing chargeback scenarios
To trigger ACH chargeback flows in TEST, Adyen notes you can set:
ownerName = "chargeback:<ACH return reason code>" (example: chargeback:R01)
Additional Information can be found here: https://docs.adyen.com/payment-methods/ach-direct-debit/api-only
Where to look for “what happened”
Transactions & payment status: Use the Adyen test Customer Area to review test payments and outcomes as you iterate.
Valpay Portal: Check the Valpay portal for an overview of your transactions
Note: As we're always working to add more features to the Valpay Portal, sometimes and only in the Test Environment your data might not immediately be visible, please check the Adyen Customer Area in this case. Do not worry, this never happens on prod.