Transactions in Test Mode

When your account is in test mode real transactions won't work. That includes funding your Atlas account from a real bank account or initiating a payment to external bank account. This page provides guidance on how you can perform transactions that mimic real ones in test mode. You can simulate two kinds of transaction: an inflow (money into your Atlas account) by funding your business account directly or completing a checkout payment, or a payout (money out of your account) using the Create Payout endpoint.

Fund your business account

To fund your account in test mode, you need to make a POST request to the Fund Business Test Wallet endpoint. This endpoint requires three parameters.

1. The virtual account details on your Atlas dashboard.
2. Your Business ID located at the "Developer" section of the Atlas settings page.
3. The amount.

For example:

import axios from "axios";

try {
  const response = await axios.post(
    "https://atlas.tryduplo.com/api/v1/wallet/fund-wallet",
    {
      business_id: "YOUR_BUSINESS_ID",
      account_number: "1234567890",
      amount: 1000,
    },
    {
      headers: {
        Authorization: "Bearer YOUR_ACCESS_TOKEN",
      },
    },
  );

  console.log(response.data);
} catch (error) {
  console.error(error.response?.data || "Request failed");
}

On a successful request you will get the response below and an IN_FLOW_SUCCESS_EVENT webhook sent to your configured URL.

{
  "requestId": "abcd1234-5678-90ef-ghij-1234567890kl",
  "requestTimestamp": "2025-07-16 09:15:00",
  "message": "Wallet funded successfully",
  "statusCode": 200
}

Checkout

To simulate a checkout payment in test mode, use the Checkout Simulator or complete a checkout in your browser using the test credentials for the payment method you want to try. Atlas checkout supports the payment methods below, and each has its own set of test credentials.

Payment links resolve to the same hosted checkout page, so these testing steps also apply when testing a payment link in test mode. Open the link in your browser while in test mode and complete the payment using the test credentials for your chosen method. To learn how to create and share payment links, see the Payment Links guide .

Card

You can test the checkout by card using these card details. The gateway response is controlled by the expiry date and CVV you provide, not the card number itself.

Additional Visa numbers: 4012000033330026

Additional Mastercard numbers: 2223000000000007, 5111111111111118, 2223000000000023

Simulating responses by expiry date

Use the expiry dates below to trigger specific gateway responses regardless of the card number you use.

Simulating responses by CVV

Use the CVV values below to simulate specific card verification responses.

Bank transfer

To simulate an account number (bank transfer) payment through checkout, enter the account number and amount in the form below. You can also open the Checkout Simulator as a standalone page.

Opay

When a customer selects Opay at checkout, Atlas redirects them to OPay's hosted checkout page, where they choose one of OPay's own payment methods, such as OPay Wallet or bank card. Use the test credentials below for the method you want to simulate.

OPay Wallet

Enter the test phone number, PIN, and OTP below. The OTP you enter determines whether the payment succeeds or fails.

Opay bank card

Enter the test card below, then authorize with its PIN and OTP. The card you use determines whether the payment succeeds or fails.

Authorize each card with its PIN and OTP:

Payouts

A payout is money leaving your Atlas account. You can initiate payouts in test mode the same way you would in live mode: a POST request to the Create Payout endpoint with the recipient's bank details and the amount you want to transfer.

For example:

const axios = require("axios");

const initiatePayout = async () => {
  try {
    const response = await axios.post(
      "https://atlas.tryduplo.com/api/v1/payout",
      {
        amount: 50000,
        bank_code: "099858",
        account_number: "0123456789",
        account_name: "John Doe",
        narration: "Payment for services rendered",
        reference: "payout_12345",
      },
      {
        headers: {
          Authorization: "Bearer your_api_key",
          "Content-Type": "application/json",
          Accept: "application/json",
        },
      },
    );

    console.log(response.data);
  } catch (error) {
    console.error(error.response.data);
  }
};

initiatePayout();

Switching to live mode

Once you've finished testing your integration, switch to live mode by toggling the environment selector in your Atlas dashboard. Replace your test API keys with live keys, and your application will process real transactions.

Related guides

• Checkout
• Payment Links
• Single Payout
• Configuring Webhooks