Interswitch Testing Guide

Comprehensive testing guide with test credentials, test cards, sandbox URLs, and testing strategies.

Test Environments

Service	Test URL
Passport (OAuth)	https://passport.k8.isw.la
Collections	https://qa.interswitchng.com
Web Checkout	https://newwebpay.qa.interswitchng.com
Passport v2 (Collections)	https://passport.k8.isw.la
Wallet Services	https://qa.interswitchng.com

Service	Live URL
Passport (OAuth)	https://passport.interswitchng.com
Collections	https://saturn.interswitchng.com
Web Checkout	https://newwebpay.interswitchng.com
Passport v2	https://passport.interswitchng.com

Test Credentials

General Test Credentials

Parameter	Value
Client ID	IKIAB23A4E2756605C1ABC33CE3C287E27267F660D61
Secret Key	secret
Pay Item ID	9405967
Merchant Code	MX6072

Card Payment API Credentials

Parameter	Value
Client ID	IKIA3B827951EA3EC2E193C51DA1D22988F055FD27DE
Secret Key	ajkdpGiF6PHVrwK
Merchant Code	MX21696
Pay Item ID	4177785

Test Cards

Verve Cards (Success)

Card Number	Expiry	CVV	PIN	OTP
5061050254756707864	06/26	111	1111	—
5060990580000217499	03/50	—	—	—

Visa Cards (Success)

Card Number	Expiry	CVV	PIN	OTP
4000000000002503	03/50	111	—	—

Mastercard (Success)

Card Number	Expiry	CVV	PIN	OTP
5123450000000008	01/39	100	1111	123456

Failure Test Cards

Card Number	Scenario	Expected Response
5061050254756707865	Timeout	Transaction timeout
5061050254756707866	Insufficient funds	Code: 51
5061050254756707867	No card record	Card not found

Environment Configuration

interface InterswitchConfig {
  environment: 'test' | 'live';
  clientId: string;
  secretKey: string;
  merchantCode: string;
  payItemId: string;
  passportUrl: string;
  collectionsBaseUrl: string;
  webCheckoutUrl: string;
}

function getConfig(): InterswitchConfig {
  const isLive = process.env.INTERSWITCH_ENVIRONMENT === 'live';

  return {
    environment: isLive ? 'live' : 'test',
    clientId: process.env.INTERSWITCH_CLIENT_ID!,
    secretKey: process.env.INTERSWITCH_SECRET_KEY!,
    merchantCode: process.env.INTERSWITCH_MERCHANT_CODE!,
    payItemId: process.env.INTERSWITCH_PAY_ITEM_ID!,
    passportUrl: isLive
      ? 'https://passport.interswitchng.com'
      : 'https://passport.k8.isw.la',
    collectionsBaseUrl: isLive
      ? 'https://saturn.interswitchng.com'
      : 'https://qa.interswitchng.com',
    webCheckoutUrl: isLive
      ? 'https://newwebpay.interswitchng.com'
      : 'https://newwebpay.qa.interswitchng.com',
  };
}

.env.example

# Interswitch Environment ('test' or 'live')
INTERSWITCH_ENVIRONMENT=test

# General Credentials
INTERSWITCH_CLIENT_ID=IKIAB23A4E2756605C1ABC33CE3C287E27267F660D61
INTERSWITCH_SECRET_KEY=secret
INTERSWITCH_MERCHANT_CODE=MX6072
INTERSWITCH_PAY_ITEM_ID=9405967

# Card Payment API Credentials (if using direct card API)
INTERSWITCH_CARD_CLIENT_ID=IKIA3B827951EA3EC2E193C51DA1D22988F055FD27DE
INTERSWITCH_CARD_SECRET_KEY=ajkdpGiF6PHVrwK
INTERSWITCH_CARD_MERCHANT_CODE=MX21696
INTERSWITCH_CARD_PAY_ITEM_ID=4177785

# Webhook
INTERSWITCH_WEBHOOK_SECRET=your_webhook_secret_here

# Wallet (optional)
INTERSWITCH_WALLET_BASE_URL=https://qa.interswitchng.com

Testing Web Checkout

// Use test credentials with web checkout
const testCheckoutConfig = {
  merchant_code: 'MX6072',
  pay_item_id: '9405967',
  txn_ref: `TEST_${Date.now()}`,
  amount: 10000,           // ₦100.00 (100 * 100 kobo)
  currency: 566,           // NGN
  site_redirect_url: 'http://localhost:3000/callback',
  mode: 'TEST',
};

Testing Card Payments

// Test Mastercard flow (with PIN + OTP)
const testCardPayment = {
  customerId: '1234567890',
  amount: '10000',
  currency: '566',
  transactionRef: `CARD_TEST_${Date.now()}`,
  // Encrypt test card: 5123450000000008, PIN: 1111, Expiry: 3901, CVV: 100
};

// Expected flow:
// 1. Submit payment → responseCode: 'T0' (OTP required)
// 2. Submit OTP '123456' → responseCode: '00' (Success)

Testing Transfers

// Test account validation
const testValidation = {
  bankCode: '058',            // GTBank test
  accountNumber: '0123456789', // Test account
};

// Test single transfer
const testTransfer = {
  amount: 100000,              // ₦1,000
  currency: 'NGN',
  // Use test bank codes and accounts
};

Testing Webhooks Locally

Use a tunnel service to receive webhooks during local development:

# Using ngrok
npx ngrok http 3000

# Your webhook URL becomes: https://abc123.ngrok.io/api/webhooks/interswitch

Manual Webhook Testing

// Simulate a webhook payload for testing
const testWebhookPayload = {
  eventType: 'TRANSACTION.COMPLETED',
  eventId: `evt_${Date.now()}`,
  timestamp: new Date().toISOString(),
  data: {
    transactionRef: 'TEST_REF_123',
    amount: 10000,
    currency: 'NGN',
    responseCode: '00',
    responseDescription: 'Approved by Financial Institution',
  },
};

// Generate test signature
const testSignature = crypto
  .createHmac('sha512', process.env.INTERSWITCH_WEBHOOK_SECRET!)
  .update(JSON.stringify(testWebhookPayload))
  .digest('hex');

// Send test webhook
await fetch('http://localhost:3000/api/webhooks/interswitch', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-Interswitch-Signature': testSignature,
  },
  body: JSON.stringify(testWebhookPayload),
});

Going Live Checklist

• Replace test credentials with live credentials
• Update environment to live in .env
• Verify all URLs point to production endpoints
• Test with small real transactions first
• Set up webhook URL on live Quickteller Business account
• Enable proper error logging and monitoring
• Configure SSL/TLS on your server
• Implement rate limiting
• Set up transaction reconciliation
• Remove test card numbers from any hardcoded locations