This page is the overview of how to test an online payments integration with Valpay and Adyen. Test transactions do not reach the card networks, so you can validate your full flow safely before going live.
The test environment
Valpay and Adyen provide a test environment for validating integrations and transaction flows. In test:
Transactions are simulated and never reach the card networks.
You pay with Adyen test cards and test credentials instead of real instruments.
Risk checks can be skipped, but RevenueProtect may still block payments that look fraudulent. You can add test cards and shopper details to a trust list if needed.
Get test credentials
You need Adyen TEST credentials before you can make a test payment:
An Adyen TEST API key.
A client key, if you use Drop-in or Components.
Your house account Store ID (see below).
Do not create an Adyen account yourself. Request Adyen TEST access and keys through your Valpay implementation or onboarding contact. Valpay provisions everything and issues your credentials securely.
When your brand is set up, Valpay also creates a house account and a house account store for it, so you have somewhere to test. Valpay sends you that house account store's Store ID together with your API credentials. Use this Store ID for your test transactions.
Test endpoint
Use Adyen's Checkout API base URL in test:
https://checkout-test.adyen.com/v71
# Example full endpoint:
POST https://checkout-test.adyen.com/v71/payments
X-API-Key: YOUR_TEST_API_KEY
Include your Store ID on every Valpay transaction. When you move to production, live Checkout endpoints use a company-specific prefix. See Switching Between Environments for production URLs.
What you can test end to end
The test environment lets you exercise the complete payment lifecycle, including both client-side and server-side components:
A successful payment and the
AUTHORISATIONwebhook that follows.Refused and declined payments, and your handling of result codes and refusal reasons.
3D Secure 2 authentication, both challenge and frictionless flows.
Captures (automatic and manual), refunds, cancellations, and reversals.
Webhook delivery and processing for events such as
AUTHORISATION,CAPTURE,REFUND, andCANCELLATION.
Start each test with a small amount, for example a value of 100 in minor units.
Where to check results
Adyen test Customer Area: review test payments and outcomes under Transactions, Payments.
Valpay Portal: view an overview of your transactions.
Note: as we add features to the Valpay Portal, test data may occasionally not appear immediately. Check the Adyen Customer Area in that case. This does not happen in production.
Next steps
See Test Cards for the card numbers to use.
See Simulating Scenarios (3DS, failures) to build a structured test plan.