> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xpaycheckout.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Test Simulation

> Test credentials and simulation scenarios for payment methods in the xPay sandbox environment

Use the credentials and test card numbers below to simulate payments in the sandbox environment. These only work in sandbox — use the [Sandbox Dashboard](https://app.test.xpaycheckout.com/) and sandbox API keys. See the [Sandbox Environment](/developer-resources/sandbox/sandbox) guide for setup details.

## Card

Use these test cards to simulate successful and failed card payments in sandbox checkout.

### Success

| Card       | Card Number           | Expiry          | CSC              |
| ---------- | --------------------- | --------------- | ---------------- |
| Mastercard | `5555 5555 5555 4444` | Any future date | Any 3-digit code |

### Failure

| Card | Card Number           | Expiry          | CSC              |
| ---- | --------------------- | --------------- | ---------------- |
| Visa | `4000 0000 0000 0002` | Any future date | Any 3-digit code |

***

## Card Installments

Use this test card to simulate a successful Card Installments payment in sandbox.

| Card       | Card Number           | Expiry          | CSC              |
| ---------- | --------------------- | --------------- | ---------------- |
| Mastercard | `5444 4444 4444 4445` | Any future date | Any 3-digit code |

***

## Klarna

Use these credentials when prompted during Klarna checkout in sandbox.

| Label                   | Value            | Details                                                                |
| ----------------------- | ---------------- | ---------------------------------------------------------------------- |
| Phone Number            | `(888) 254-4887` | Enter this phone number when prompted for Klarna login                 |
| OTP (One-Time Password) | `123456`         | Use any 6-digit number as OTP when prompted (e.g., `123456`, `000000`) |

For more on Klarna integration and requirements, see [Klarna FAQs](/faqs/klarna-overview).

***

## PayPal

Use these credentials to test PayPal payments in sandbox.

| Label             | Value                                                                                   | Details                                         |
| ----------------- | --------------------------------------------------------------------------------------- | ----------------------------------------------- |
| Email             | `test@xpaycheckout.com`                                                                 | Login email for PayPal sandbox account          |
| Password          | `xpay@2468`                                                                             | Password for PayPal sandbox account             |
| Test Cards Portal | [PayPal sandbox card testing](https://developer.paypal.com/tools/sandbox/card-testing/) | PayPal developer portal for managing test cards |

<Warning>
  These are sandbox-only credentials. Never use them in production or share them outside your testing workflow.
</Warning>