Test mode
Build and verify your integration without moving money.
Every merchant gets test mode the moment it is created. Test keys (sk_test_…, pk_test_…) behave exactly like live keys, except that card payments run against the processor's staging environment and no money moves. Test and live data are completely separate: the same customer, product or subscription does not exist in both modes.
Test cards
Use these cards on the checkout page with any future expiry and CVC 737.
| Card | Number | 3-D Secure |
|---|---|---|
| Visa | 4111 1111 4555 1142 | no |
| Visa | 4917 6100 0000 0000 | yes |
| Mastercard | 2222 4000 7000 0005 | no |
| Mastercard | 5454 5454 5454 5454 | yes |
| Maestro | 6771 7980 2100 0008 | yes |
Cards marked "yes" trigger a 3-D Secure challenge so you can test that flow. The staging environment approves any other well-formed card number too, so use the listed ones to be sure of the outcome.
Apple Pay and Google Pay
Wallets show on the hosted page when the browser and device support them. Apple Pay needs a sandbox tester account and test cards from Apple's sandbox testing guide. Google Pay accepts a real card in a test wallet without charging it, or the cards from Google's test card suite.
Bank invoices
Bank invoices (krafa) go through your accounting provider, so testing them requires PayDay connected in test mode under Settings → Accounting system and bank invoices enabled under Settings → Bank invoice. The claim is created in PayDay's test environment and will not reach a real bank. Payment is detected by a poller that runs every 15 minutes, so the resulting payment.succeeded webhook is delayed in test mode just as it is in live mode. See Bank invoices.
Redirect URLs on localhost
In test mode, return_url and cancel_url may use plain http:// when the host is exactly localhost or 127.0.0.1, and those hosts skip the allowed-domain check. Any other host must be HTTPS and listed under Settings → Account → Allowed redirect domains, in both modes.
Webhooks on localhost
Webhook endpoints must be public HTTPS URLs; localhost and private addresses are rejected when you save the endpoint. To receive events during development, expose your local server with a tunnel such as cloudflared tunnel or ngrok http 3000 and register the tunnel URL. The Webhooks page in the dashboard shows every delivery attempt with its response, and lets you retry one.
What you cannot test
- Refund settlement timing. Refunds succeed instantly in staging; live refunds can take a few seconds to confirm and days to reach the card.
- Real invoices. With no accounting provider connected, Borga still records an
Invoiceobject for each payment but nothing is booked anywhere. - Fees. No fees are recorded in test mode.
Moving to live
Live keys are gated on merchant verification. The checklist under Settings → Live environment walks you through it; see Go live.