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To use the sandbox environment, you must generate a token using your test credentials (clientId and clientSecret from the dashboard) and the sandbox base URL (https://sandbox.nomba.com). Using the wrong URL or credentials will cause authentication failures. See the Environment page for details.
Test cards are provided for use in the sandbox environment only. They cannot be used for real transactions and should not be used in production.

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Test Card Details

Use the following card details when testing transactions in a sandbox or staging environment.

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Test cards

Card NumberNetworkOutcome
5434 6210 7425 2808MastercardOTP required → approved
4000 0000 0000 2503Visa3DS authentication required
5484 4972 1831 7651MastercardDeclined — “do not honor”
For all cards: CVV and expiry are not validated — any 3-digit CVV and any future expiry date are accepted. The card number alone determines the outcome.

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PIN and OTP

FieldValueNotes
Card PIN9999Used during card detail submission
OTP — Approved9999Payment succeeds
OTP — Timeout1234Payment fails with timeout message
OTP — Invalid5464Payment fails with invalid OTP message

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Transaction scenarios

ScenarioHow to triggerExpected outcome
Successful card paymentCard 5434 6210 7425 2808 + OTP 9999Transaction Approved
Declined cardCard 5484 4972 1831 7651do not honor
OTP timeoutOTP 1234Payment timed out
Invalid OTPOTP 5464Invalid OTP
Insufficient fundsAmount greater than 500,000Transaction Declined
Expired cardExpiry 12/20Transaction Declined
This test card should only be used in development or staging environments. Do not attempt real transactions with this card.

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Quick Sandbox Flow

Follow these steps to run a checkout transaction end-to-end in the sandbox:
  1. Generate a sandbox token — Use https://sandbox.nomba.com/v1/auth/token/issue with your test clientId and clientSecret
  2. Create a checkout order — POST https://sandbox.nomba.com/v1/checkout/order with your sandbox token
  3. Open the checkout link — Load the checkoutLink from the response in a browser
  4. Enter the test card — Use the card number, CVV, and expiry date from the table above
  5. Enter the test OTP — Use 123456 for a successful transaction
  6. Verify the transaction — Use the transactionRef from the webhook or the orderReference you provided
For a detailed walkthrough with request/response examples, see Sandbox Testing.

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Fetch Sandbox Checkout Transactions

You can retrieve the details of a specific transaction performed in the sandbox environment by sending a POST request with the transaction reference. This is useful for testing how your system handles different transaction outcomes (e.g., success, failure, pending). 
   curl --request POST \
   --url https://sandbox.nomba.com/v1/transactions/accounts \
   --header 'Authorization: Bearer <token>' \
   --header 'Content-Type: application/json' \
   --header 'accountId: <accountid>' \
   --data '
      {
         "transactionRef": "WEB-ONLINE_C-SANDBOXDFC05-693cd007-cd1e-4ea6-xxxxxxxxxx" 
      }
   '