Test Data

Complete reference for sandbox test data

Use these test values when testing your integration in the Zentra sandbox environment.

Test data only works in sandbox mode. Using test data in live mode will result in errors.

Use the values below with reviewed surfaces such as transfers, cards, virtual accounts, payments, and tenant-gated identity flows where your environment exposes them.

Test BVNs

Use these Bank Verification Numbers for testing KYC:

BVN	First Name	Last Name	DOB	Result
22222222222	John	Doe	1990-01-15	✅ Success
11111111111	Jane	Smith	1985-05-20	❌ Failed
33333333333	Bob	Johnson	1992-03-10	⏱️ Pending

Test NINs

National Identification Numbers for testing:

NIN	Result
12345678901	✅ Valid
00000000000	❌ Invalid
99999999999	⏱️ Pending

Test Cards

Successful Transactions

Card Number	Brand	Type	CVV	Expiry
5060990580000217499	Verve	Debit	123	12/26
4084080000000409	Visa	Debit	123	12/26
5399830000000062	Mastercard	Credit	123	12/26
5531886652142950	Mastercard	Debit	564	09/26

Failed Transactions

Card Number	Brand	Reason
4000000000000002	Visa	❌ Declined
4000000000000127	Visa	❌ Insufficient funds
4000000000000119	Visa	❌ Processing error
4000000000000341	Visa	❌ Expired card

3D Secure Cards

Card Number	Brand	3DS Outcome
4000000000003220	Visa	✅ Authentication successful
4000000000003063	Visa	❌ Authentication failed
4000000000003196	Visa	⚠️ Authentication unavailable

Default PIN for test cards: 1234

Test Bank Accounts

Valid Accounts

Account Number	Bank Name	Bank Code	Account Name
0123456789	GTBank	058	John Doe
9876543210	Zenith Bank	057	Jane Smith
1234567890	Access Bank	044	Bob Johnson
5555555555	First Bank	011	Alice Williams
7777777777	UBA	033	Charlie Brown
3333333333	Wema Bank	035	David Miller

Invalid Accounts

Account Number	Behavior
0000000000	❌ Invalid account
1111111111	❌ Account not found
9999999999	❌ Account closed

Test Phone Numbers

Phone Number	OTP	Result
[phone]	123456	✅ Success
[phone]	000000	❌ Invalid OTP
[phone]	Any	⏱️ Timeout

Test Email Addresses

Email	Behavior
[e-mail]	✅ All operations succeed
[e-mail]	❌ All operations fail
[e-mail]	⏱️ Operations stay pending

Test Amounts

Specific amounts trigger different behaviors:

Amount (Kobo)	Amount (NGN)	Behavior
10000	₦100.00	✅ Success
99999	₦999.99	❌ Transaction limit exceeded
12345	₦123.45	⏱️ Stays pending
50000	₦500.00	✅ Success (most common)

Test Transfer References

Reference	Behavior
TRF_SUCCESS	✅ Completes immediately
TRF_FAIL	❌ Fails with error
TRF_PENDING	⏱️ Stays pending
TRF_TIMEOUT	⏱️ Times out

Test Webhooks

Virtual Account Credits

Simulate a credit by transferring from these accounts:

Sender Account	Sender Bank	Amount	Delay
0123456789	GTBank	Any	Instant
9876543210	Zenith	Any	5 seconds
5555555555	First Bank	Any	30 seconds

Manual Webhook Trigger

Use the sandbox tooling available to your tenant to trigger or replay webhook events rather than relying on undocumented direct trigger endpoints.

Test API Keys

Example sandbox API keys (these are public and safe to share):

Secret Key: sk_sandbox_1234567890abcdefghijklmnopqrstuvwxyz
Public Key: pk_sandbox_1234567890abcdefghijklmnopqrstuvwxyz

Generate your own keys in the Developer Console

Test Scenarios

Successful Flow

// 1. Verify BVN
const verification = await client.identity.verifyBvn({
  bvn: '22222222222',
  firstName: 'John',
  lastName: 'Doe',
  dateOfBirth: '1990-01-15'
});

// 2. Make transfer (when your sandbox tenant is funded)
const transfer = await client.transfers.create({
  amountMinor: 50000,
  destinationBankCode: '058',
  destinationAccountNumber: '0123456789',
  destinationAccountName: 'Sandbox Beneficiary',
  narration: 'Test',
  reference: 'TRF_SUCCESS'
});

Error Handling Flow

try {
  // This will fail - invalid BVN
  await client.identity.verifyBvn({
    bvn: '11111111111',
    firstName: 'John',
    lastName: 'Doe',
    dateOfBirth: '1990-01-15'
  });
} catch (error) {
  console.log('Expected error:', error.code);
  // Output: 'invalid_bvn'
}

try {
  // This will fail - insufficient balance
  const transfer = await client.transfers.create({
    amountMinor: 999999999,
    destinationAccountNumber: '0123456789',
    destinationBankCode: '058',
    narration: 'Test'
  });
} catch (error) {
  console.log('Expected error:', error.code);
  // Output: 'insufficient_balance'
}

Testing Tips

Mix Success and Failure

Test both successful and failed scenarios to ensure proper error handling.

Use Realistic Data

While values are fake, use realistic formats for better testing.

Test Edge Cases

Test with minimum amounts, maximum amounts, and special characters.

Verify Webhooks

Ensure webhooks are properly received and processed.

Test Idempotency

Try submitting the same request twice with the same reference.

Regional Test Data

Nigeria-Specific

Data Type	Test Value
Phone	[phone]
BVN	22222222222
NIN	12345678901
Bank Code	058 (GTBank)

Next Steps

Sandbox Guide

Learn about sandbox environment

API Reference

Explore all endpoints

Testing Guide

Best testing practices

Webhooks

Test webhook events