Test environment

The Test Environment is a safe sandbox where you can explore and learn how our systems function without worrying about messing up your real account at MakeCommerce / Maksekeskus.

Some notes:

We use banklink emulators and test-cards here. There is no real money involved, so no worries. You can explore the whole process.
To test credit card dialog use one of the test cards below
The test version of the Merchant Portal has greenish header – to visually distinguish it from the real one
Payout processes are disabled in the test. Thus the balance of a Shop in Test Portal is always growing
Invoicing process is disabled, there are no invoices displayed in test environment
The identifiers and API keys are different in the Test and Live environments – so please be careful and do not mix them up

Test shops

For testing payments you can use the test-shop listed below (test environment):

Test shop: maksekeskus.ee/test 1234567890 – banklinks and card payments enabled
- Shop id = f7741ab2-7445-45f9-9af4-0d0408ef1e4c
- API secret key = pfOsGD9oPaFEILwqFLHEHkPf7vZz4j3t36nAcufP1abqT9l99koyuC1IWAOcBeqt
- API publishablekey = zPA6jCTIvGKYqrXxlgkXLzv3F82Mjv2E

If you would like to use a personal test account and get access to our Merchant Portal, please contact support@maksekeskus.ee

Testing banklink payments

Test accounts and credentials

For most of the banklinks available in the emulator there is no authentication needed (login dialogs are skipped).

Testing PIS-payments

At the moment, testing PIS-payments is not yet as reliable as testing banklink payments. For now, testing can be done with the following Baltic and Finnish banks:

Test accounts and credentials
Swedbank (Baltics)	Select: PIN Calculator User ID: 123456 Password from PIN-calculator: 123456 Select any customer Submit Wait to finish
COOP (Estonia)	User 1: Username: obcoop1, Password: obcoop1 First account IBAN: EE634204278608993923 → payment will expire Second account IBAN: EE104204278608993907 → successful transaction (ACSC) Third account IBAN: EE264204278608993910 → payment will expire User 2: Username: obcoop2 Password: obcoop2 First account IBAN: EE404204278608993949 → successful transaction (ACSC) Second account IBAN: EE034204278608993936 → payment will expire
LKU (Lithuania)	Password (same for all): 000000 User 004868: First account LT405013300010031000 will return Debtor account blocked Second account LT585013300031011000 → Insufficient funds Third account LT575013300032001000 → success (ACSC) User 422159: First account LT705010200010002000 will return success (ACSC) Second account LT925010200032001010 → success (ACSC)
S-Pankki (Finland)	Username: customera Password: 12345678
Oma Säästöpankki, POP Pankki, Säästöpankki (Finland)	Credentials are not needed, you just select account.

Test accounts and credentials

Swedbank

(Baltics)

Select: PIN Calculator
- User ID: 123456
- Password from PIN-calculator: 123456
Select any customer
Submit
Wait to finish

COOP

(Estonia)

User 1:
Username: obcoop1,
Password: obcoop1

First account IBAN: EE634204278608993923 → payment will expire
Second account IBAN: EE104204278608993907 → successful transaction (ACSC)
Third account IBAN: EE264204278608993910 → payment will expire

User 2:
Username: obcoop2
Password: obcoop2

First account IBAN: EE404204278608993949 → successful transaction (ACSC)
Second account IBAN: EE034204278608993936 → payment will expire

LKU

(Lithuania)

Password (same for all): 000000

User 004868:
First account LT405013300010031000 will return Debtor account blocked
Second account LT585013300031011000 → Insufficient funds
Third account LT575013300032001000 → success (ACSC)
User 422159:
First account LT705010200010002000 will return success (ACSC)
Second account LT925010200032001010 → success (ACSC)

S-Pankki

(Finland)

Username: customera
Password: 12345678

Oma Säästöpankki, POP Pankki, Säästöpankki

(Finland)

Credentials are not needed, you just select account.

Testing credit card payments

There is a set of test cards you can use in our test environment and in our demo shops. These can be used for Visa and Mastercard payments and Google Pay. They do not function elsewhere.
To simulate decline you should use same test cards with amount 99.99 EUR. All card payments with such amount will fail.

3D Secure test cards:

VISA 4505131234000011, expiry date 06/28, CVC 123
MasterCard 5191631234000016, expiry date 06/28, CVC 123

For testing Apple pay payments real Apple Pay account must be used. Select real card on apple widget and move on to payment. Real money will not be used because in test environment our system will automatically replace card details to test data.