Testing Information
QuickClick

Transaction testing credentials

Transactions can be tested using one of two methods. First, transactions can be submitted to any merchant account that is in test mode. Keep in mind that if an account is in test mode, all valid credit cards will be approved but no charges will actually be processed.

The Payment Gateway demo account can also be used for testing at any time. Please use the following key id or username for testing with this account:

key_id: 3785894
username: demo

Transaction POST URL

Transaction details should be POST'ed to the following URL:

POST URL: https://secure.cyogate.net/cart/cart.php

Test Data

Transactions can be submitted using the following information:

Visa: 4111111111111111
MasterCard: 5431111111111111
Discover: 6011601160116611
American Express: 341111111111111
Credit Card Expiration: 10/25
account (ACH): 123123123
routing (ACH): 123123123

Triggering Errors in Test Mode

  • To cause a declined message, pass an amount less than 1.00.
  • To trigger a fatal error message, pass an invalid card number.
  • To simulate an AVS match, pass 888 in the address1 field, 77777 for zip.
  • To simulate a CVV match, pass 999 in the cvv field.



Apply for a Merchant Account Signup for the Payment Gateway


Retail & Internet Merchant Accounts

An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.

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High Risk Merchant Accounts

If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.

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Internet Payment Gateway

The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.

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