Testing in test mode
Test-mode keys give you a fully isolated sandbox. All API responses, webhooks, and ledger entries behave identically to live mode — but no real money moves.
Test card numbers
| Number | Behavior |
|---|---|
4242 4242 4242 4242 | Succeeds. |
4000 0000 0000 9995 | Insufficient funds. |
4000 0000 0000 0002 | Card declined. |
4000 0027 6000 3184 | Requires 3-D Secure authentication. |
4000 0000 0000 0259 | Charge succeeds, then disputes 4 days later. |
Any future expiration date and any 3-digit CVC are accepted.
Triggering webhooks
From Dashboard → Webhooks, you can replay any past event or send a synthetic event of any type. The signature is identical to live deliveries.
USDC
PAID does not offer USDC payments today, in test mode or live. Card payments through Stripe are the only payment method; test them with Stripe's test cards.
Switching to live
- Complete business verification.
- Swap your secret key from
sk_test_…tosk_live_…. - Update your webhook URL to its production hostname.
- Run one end-to-end charge for a small amount and confirm settlement in Dashboard → Settlements.