> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spotflow.one/llms.txt
> Use this file to discover all available pages before exploring further.

# Testing Payments

> You can use the following details to test your implementation for card and mobile money payments before going live. Note that this works only with your test keys.

## Cards

#### ***NGN Successful Payments***

| **Auth**      | **Number**       | **Expiry** | **CVV** | **PIN** | **OTP**                                                                              |
| ------------- | ---------------- | ---------- | ------- | ------- | ------------------------------------------------------------------------------------ |
| **No Auth**   | 4111112000062555 | 12/2030    | 321     | -       | -                                                                                    |
| **PIN**       | 5555558684543932 | 12/2030    | 321     | 4321    | -                                                                                    |
| **PIN + OTP** | 5555567973581842 | 12/2030    | 321     | 4321    | 654321                                                                               |
| **3DS**       | 5555577124976817 | 12/2030    | 321     | -       | -                                                                                    |
| **AVS**       | 4111124373708482 | 12/2030    | 321     | -       | Address: 1, Spotflow Street, City: Lekki, State: Lagos, Country: Nigeria, ZIP: 10123 |

## Mobile Money

#### ***GHS Successful Payments***

| **Phone Number** | **OTP** |
| ---------------- | ------- |
| **0244123456**   | 654321  |
| **0987654321**   | 654321  |

#### ***ZAR Successful Payments***

| **Phone Number** | **OTP** |
| ---------------- | ------- |
| **0710000000**   | 654321  |

#### ***KES Successful Payments***

| **Phone Number** | **OTP** |
| ---------------- | ------- |
| **0712345678**   | 654321  |
| **0710000000**   | 654321  |

#### ***TZS Successful Payments***

| **Phone Number** | **OTP** |
| ---------------- | ------- |
| **0729004954**   | 654321  |

### So the XAF & XOF numbers below should be used respectively for the countries and their countryCodes in brackets.

West African CFA Franc - XOF

* Ivory Coast (CI)
* Senegal (SN)
* Burkina Faso (BF)
* Mali (ML)
* Benin (BJ)
* Niger (NE)
* Togo (TG)
* Guinea-Bissau (GW)

Central African CFA Franc - XAF

* Cameroon (CM)
* Gabon (GA)
* Chad (TD)
* Republic of  the Congo (CG)
* Equatorial Guinea (GQ)
* Central African Republic (CF)

#### ***XAF Successful Payments Choosing only MTN as the Provider on Checkout***

| **Phone Number** | **OTP** |
| ---------------- | ------- |
| **892009934**    | 654321  |

#### ***XOF Successful Payments Choosing only MTN as the Provider on Checkout***

| **Phone Number** | **OTP** |
| ---------------- | ------- |
| **734177280**    | 654321  |

To test other payment methods like bank transfer in test mode, follow the usual testing procedures and using Spotflow's Jollof Bank test account details created for you, you can use our [Fund Simulator App](https://jollofbank.spotflow.one/) to add fake funds.
Kindly refer to our [Adding Fake Funds For Testing](/expert-desk/simulating-funds) guide to know more.