Test mode

Simulate every payment outcome without moving money

With a sk_test_ key, payments are simulated. Nothing is sent to an operator and no money moves, but the flow is the same as in live mode: the payment is created, your test balance is credited, and your server receives the webhook.

• Your service can collect in test mode while it is still pending_review.
• The result is immediate: the response of POST /mobile-money/collections already has its final status (except for the “stays pending” number below).
• Test balances are separate from live balances.

Choose the outcome with the phone number

The last 3 digits of phone_number decide the result:

Last digits	Result	failure_code
789 (and any number not listed)	completed	—
019	failed	payer_limit_reached
029	failed	payer_not_found
039	failed	payment_not_approved
049	failed	insufficient_balance
069	failed	unknown_error
129	stays processing for about 60 seconds, then completed	—

Example: 237670000789 succeeds, 237670000049 fails for insufficient balance.

Test the 129 case: it is the closest to real life, where a customer takes a few seconds to type their PIN. Your code must wait for the webhook, not for the response of the request.