Testing your Integration

It is important to test your integration before going live to make sure it works properly. That’s why we created test bank accounts, mobile money numbers and test cards for you to simulate different payment scenarios as you integrate with Kora.

Testing Payouts to Bank Accounts

Use the following bank accounts to test these scenarios for your Bank Transfer payout integration:

ScenarioCurrencyBank CodeAccount Number
Successful PayoutNGN0330000000000
Failed PayoutNGN0350000000000
Error: Invalid AccountNGN0119999999999
Successful PayoutKES0068000000000000
Failed PayoutKES0053000000000000

Testing Payouts to Mobile Money

Use the following mobile money details to test these scenarios for your Mobile Money payout integration:

ScenarioCurrencyMobile Money OperatorMobile Number
Successful PayoutKESsafaricom-ke254711111111
Failed PayoutKESairtel-ke254722222222
Successful PayoutGHSairtel-gh233242426222
Failed PayoutGHSmtn-gh233722222222

Testing Pay-in Mobile Money

Use the following mobile money numbers to test different scenarios for your Mobile Money pay-in integration:


ScenarioMobile NumberCurrencyOTPPIN
Successful Payment254700000000KESN/A1234
Failed Payment254734611986KESN/A1234
Successful Payment233240000000GHS1234561234
Failed Payment233274611986GHS1234561234

Test Cards

Real payment cards would not work in Test mode. If you need to test your card payment integration, you can use any of the following test cards:


For Successful Payment (No Authentication) - Visa
Card Number: 4084 1278 8317 2787
Expiry Date: 09/30
CVV: 123


For Successful Payment (with PIN) - Mastercard
Card Number: 5188 5136 1855 2975
Expiry Date: 09/30
CVV: 123
PIN: 1234


For Successful Payment (with OTP) - Mastercard
Card Number: 5442 0561 0607 2595
Expiry Date: 09/30
CVV: 123
PIN: 1234
OTP: 123456


For Successful Payment (with 3D Secure) - Visa
Card Number: 4562 5437 5547 4674
Expiry Date: 09/30
CVV: 123
OTP: 1234


Successful (with Address Verification Service, AVS) - Mastercard
Card Number: 5384 0639 2893 2071
Expiry Date: 09/30
CVV: 123
PIN: 1234

For Address
City: Lekki
Address: Osapa, Lekki
State: Lagos
Country: Nigeria
Zip Code: 101010


Successful (with Card Enroll) - Verve
Card Number: 5061 4604 1012 0223 210
Expiry Date: 09/30
CVV: 123
PIN: 1234
OTP: 123456


For Failed Payment (Insufficient Funds) - Verve
Card Number: 5060 6650 6066 5060 67
Expiry Date: 09/30
CVV: 408


To simplify testing your card integrations in Test mode, we already created these scenarios on the test Checkout and prefilled the card details for each scenario.

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It is important to note that, just as real payment instruments do not work in Test mode, test cards and bank accounts cannot be used in Live mode or for real payments.


Testing Identity

To test identity verification scenarios on the sandbox environment, the test data below should be used:

For Kenya

Document TypeScenarioID Number
International PassportValidA2011111
International PassportInvalidA0000000
National IDValid25219766
National IDInvalid00000000
Tax PINValidA009274635J
Tax PINInvalidA0000000000
Phone NumberValid0723818211

For Ghana

Document TypeScenarioID Number
SSNITValidC987464748977
SSNITInvalidC000000000000
Driver's LicenseValid070667
Driver's LicenseInvalid000000
International PassportValidG0000555
International PassportInvalidG0000000
Voters CardValid9001330422
Voters CardInvalid0000000000

For Nigeria

Document TypeScenarioID Number
BVNValid22222222222
BVNInvalid00000000000
vNINValidKO111111111111IL
vNINInvalidKO000000000000II
NINValid55555555555
NINInvalid00000000000
International PassportValidA01234567
International PassportInvalidA00000000
Voters Card (PVC)Valid00A0A0A000000000011
Voters Card (PVC)Invalid11A1A1A111111111111
Phone NumberValid08000000000
Phone NumberInvalid08000000001
CAC (RC Number)ValidRC00000011
CAC (RC Number)InvalidRC11111111

For South Africa

Document TypeScenarioID Number
SAIDValid8012185201077
SAIDInvalid8000000000001