Interswitch Testing — test credentials, test cards, sandbox URLs, environment switching, and testing strategies for all Interswitch APIs. Use this skill whenever testing Interswitch integrations, using test card numbers, configuring the sandbox environment, verifying payment flows with test data, or debugging test transactions. Also use when you see references to test credentials, sk_test_, sandbox URLs, test card numbers (5061050254756707864, 4000000000002503), or QA environments.

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),
});

interswitch-testing