Testing

Sandbox test cards, CVV rules, and how to trigger a specific response.

All testing must be done against the sandbox (api-sandbox.paychoice.com.au). Anything sent to the live environment incurs real fees and charges.

Trigger a specific response

On the sandbox, the decimal part of the amount on a charge selects the gateway error code you get back. For example 10.51 returns error code 51 (Insufficient Funds) with the matching status, error and error_code; 10.00 is approved. See Errors for the code list.

Test credit cards

Issuer	Card number
American Express	378282246310005
Diners Club	30569309025904
MasterCard	5413330089010640, 5413330089600119
Visa	4761739001010010, 4005520000000129, 4035874000424977

Any future expiry date is accepted.

Test CVV

The first three characters of the CVV determine the result.

CVV	Passes validation
000–300	Yes
301–999	No

Bank accounts and webhooks

Bank charges in the sandbox follow the same Processing → final-status flow as production, so you can exercise your webhook handling end to end. Register a sandbox webhook and use Retry Notification to re-send a notification on demand.

Postman

Every endpoint in these docs has a runnable request in the PayChoice Postman collection, with saved example responses.