ACCEPT PAYMENTS

Test Cards

In test mode, use the cards below to simulate payments. No real money moves. Any future expiry date and any 3-digit CVV will work unless stated otherwise.

ℹ️

Test cards only work when your public_key starts with flw_pub_test_. Attempting to use them with a live key will fail.

Successful Payments

Card Number	Brand	CVV	Expiry	Result
`4084 0841 1881 8818`	Visa	Any 3 digits	Any future date	✅ Success
`4111 1111 1111 1111`	Visa	Any 3 digits	Any future date	✅ Success
`5531 8866 5214 2950`	Mastercard	Any 3 digits	Any future date	✅ Success
`5061 4600 0000 0000`	Verve	Any 3 digits	Any future date	✅ Success
`3782 822463 10005`	Amex	Any 4 digits	Any future date	✅ Success

Test Values

Field	What to use
Card Number	Any number from the table above
Expiry Month	Any valid month (01–12)
Expiry Year	Any year in the future (e.g. 2028)
CVV	Any 3 digits (e.g. 123). Amex: any 4 digits.
Name on card	Any name

What Happens in Test Mode

The card form accepts the submission and immediately returns status: "successful"
A Transaction record is created in the database with provider: "test"
Your configured webhook URL receives a charge.success event asynchronously
The GET /v1/transaction/verify/{ref} endpoint returns status: "successful"

⚠️

Test mode always succeeds regardless of which card number you use. In live mode, the card number, expiry, and CVV are validated against the actual card issuer.

Switching to Live Mode

When you're ready to accept real payments:

Complete KYC verification in the Flowwithlit dashboard
Replace flw_pub_test_ with flw_pub_live_ in your frontend
Replace flw_sec_test_ with flw_sec_live_ in your server environment variables
Test with a real card at a small amount (e.g. ₦100) to confirm end-to-end

Inline Checkout →

Set up the payment form on your site.

Verify Transactions →

Confirm payments server-side before delivering products.