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 bank-link 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):

  • 1234567890 – banklinks and card payments enabled
    • Shop id = f7741ab2-7445-45f9-9af4-0d0408ef1e4c
    • API secret key = pfOsGD9oPaFEILwqFLHEHkPf7vZz4j3t36nAcufP1abqT9l99koyuC1IWAOcBeqt
    • API publishablekey  = zPA6jCTIvGKYqrXxlgkXLzv3F82Mjv2E


Test accounts and credentials

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

Test Credit Cards

There is a set of test cards you can use in our test environment. They do not function elsewhere.

Selection of 3D Secure testcards:

  • 5168830759303438, expiry date 10/24, CVC 418, 3DS password Secret!33
  • 5168830721419445, expiry date 10/24, CVC 528, 3DS password Secret!33

To test 0-amount payments aka save card data for later use (the functionality must be activated from Maksekeskus side first), please use the last 3 cards.

Cards to test specific use-cases (Visa)

  • 4012001037490014 – Valid 3-D Secure Message With Embedded Whitespace Characters (API error 1036: 3d secure field extraction from PaRes failed (946))
  • 4012001037141112 – Successful Authentication via 16-digit PAN (OK)
  • 4012001037167778 – Successful Merchant Attempt via 16-digit PAN (OK)
  • 4012001036275556 – No Response From Visa Directory Server (API error 1036: Authorization failed)
  • 4012001038443335 – Cardholder Not Participating (OK – fallback to regular payment)
  • 4012001038488884 – Unable to Verify Enrollment
  • 4012001036298889 – Invalid Response from Directory Server (API error 1036: Authorization failed)
  • 4012001036853337 – Invalid ACS Digital Signature (API error 1036:  3d secure field extraction from PaRes failed (946))
  • 4012001036983332 – Expired ACS Signing Certificate (API error 1036:  3d secure field extraction from PaRes failed (946))
  • 4012001037461114 – Authentication Failure (API error 1036:3d secure authentication failed (182))
  • 4012001037484447 – Authentication Not Available (API error 1036: 3d secure field extraction from PaRes failed(946))
  • 4012001037490006 – Invalid Payer Authentication Response (API error 1036:  3d secure field extraction from PaRes failed (946))

The 3DS authentication simulator (Poseidon bank) password is secret.