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Testing - Online Payments

Hosted Payment Page

To enable you to test your Hosted Payment Page before going live, we have an integration environment where you can simulate different payment scenarios. We also provide some test cards that you can use.

If you need an integration account for testing purposes, please email  techsupport@cashflows.com.

Important: You need different credentials for the integration and production environments.

The Cashflows integration environment

To simulate a card payment:

1.     Choose a simulation option.

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Gateway API

To enable you to test your integration before going live, we have an integration environment where you can simulate different payment scenarios. We also provide some test cards that you can use.

If you need an integration account for testing purposes, send an email request to techsupport@cashflows.com.

Important: You need different credentials for the integration and production environments.

The Cashflows integration environment

To test your integration to our payment page, you need to send some payment requests to the integration environment (https://secure-int.cashflows.com/gateway/standard) using a valid card number. Here are some test card numbers that you can use you to test your integration.

Card number
Expiry date
Security code (CVV)

4000000000000002 (VISA)

Any valid expiry date (mm/yy)

123

4462030000000000 (VISA prepaid)

Any valid expiry date (mm/yy)

444

5555555555554444 (MasterCard)

Any valid expiry date (mm/yy)

321

5597507644910558 (MasterCard prepaid)

Any valid expiry date (mm/yy)

888

If you enter some test card details and select Pay with card …, you see our 3-D Secure simulation page.

Using our 3-D Secure simulator

Some banks require an extra layer of security known as 3-D Secure (although different card schemes use different names, for example Verified by Visa, SecureCode or Identify Check). 3-D Secure settings are set on the Cashflows Gateway at the business (or merchant) level. This means that you are responsible for enabling 3-D Secure settings. If 3-D Secure is enabled, the Hosted Payment Page redirects a shopper to their banking website, collects the 3-D Secure data and automatically adds it to the payment details that we receive from your website. For more information about 3-D Secure, visit:

 

·       Secure payments, Verified by Visa

·       Mastercard: Identity Check

·       Maximising Payment Success (PDF on our website)
A whitepaper on our Cashflows website about Strong Customer Authentication.

 

Our 3-D Secure simulator provides options for you to simulate different scenarios so that you can test, for example, whether a transaction passes or fails 3-D Secure checks.

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Authentication successful

This option simulates a payment that has successfully passed all 3-D Secure checks. The payment will proceed to the authorisation stage of payment processing.

Authentication failed

This option simulates the scenario where a shopper does not correctly complete 3-D Secure checks. For example, a shopper might have entered the wrong authentication details. The payment will be declined by the gateway and will not proceed to the authorisation stage of payment processing.

Authentication unavailable

This option simulates the scenario where a card issuer’s system is not available. The response depends on how the gateway is configured in Cashflows Go where there is a setting called 3D Secure Required.

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If this option is disabled, the payment will proceed to the authorisation stage of payment processing.

If this option is enabled, the payment will be declined by the gateway. It will not proceed to the authorisation stage of payment processing.

Note: You or the business owner can choose to reject a payment if 3-D Secure is unavailable.

Authentication attempted

This option simulates the scenario where the 3-D Secure system is available, but the card has not been enrolled for 3-D Secure. The payment will proceed to the authorisation stage of payment processing.

Troubleshooting transactions

Cashflows Go includes a useful option for investigating problems with transactions. If you have Owner permissions, you can identify a transaction that needs troubleshooting, select it and drill down to find out more. For information about user permissions in Cashflows Go, refer to the Cashflows Go Guide on our website.

1.     Sign into Cashflows Go. If you don’t know how to sign in, visit How to sign in to Cashflows Go on our website.

2.     From the Cashflows Go menu, select Transactions.

3.     Select a Transaction to investigate.

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4.     Select the Advanced tab.

5.     Next to the Trace reference, select View.

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You can see a snapshot that show all of the actions that took place during the processing of the selected payment. You can view the payment actions in diagram format or as a table. Here is an example of the same transaction in each view format.

Diagram format
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Table format
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If an action that needs investigating, the Success column says False and is displayed in red. Here is an example of a Notification that was not successfully sent:

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You can select the transaction to display the underlying code:

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In this example, the notification URL hasn’t been set up in Cashflows Go. For information, see Where should we send payment status updates?