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Your first test payment in 5 minutes

Take a real test payment through Monek without building a website. You'll create a payment with one command, open the payment link, and pay with a test card.

Want to see the flow first?

Try the interactive demo on the Checkout Page. It walks through the same steps without needing an account.

Step 1: Get a test account​

Email support@monek.com and ask for a test Merchant ID. Test Merchant IDs never charge real cards. They return simulated responses based on the amount.

warning

Both Monek gateways are live. Never use your live Merchant ID for testing, and never use real card details with a test Merchant ID.

Step 2: Create a payment​

Run one of these commands, replacing YOUR_TEST_MID with your test Merchant ID. It asks Monek to prepare a £10.00 payment and gives you back a payment link that's valid for 60 minutes.

$MerchantId = 'YOUR_TEST_MID'

$body = @{
    MerchantID             = $MerchantId
    Amount                 = 1000
    CountryCode            = '826'
    CurrencyCode           = '826'
    MessageType            = 'ESALE_KEYED'
    Dispatch               = 'NOW'
    ResponseAction         = 'REDIRECT'
    ThreeDSAction          = 'ACSDIRECT'
    SuccessUrl             = 'https://www.example.com/payments/success'
    FailureUrl             = 'https://www.example.com/payments/failure'
    PaymentReference       = 'QUICKSTART-001'
    PreparedPaymentAction  = 'JSON'
    PreparedPaymentMinutes = 60
}

[Net.ServicePointManager]::SecurityProtocol = [Net.SecurityProtocolType]::Tls12
$response = Invoke-RestMethod -Uri 'https://elite.monek.com/Secure/iPayPrepare.ashx' -Method Post -Body $body
$url = "https://elite.monek.com/Secure/Checkout.aspx?PaymentToken=$([Uri]::EscapeDataString($response.Token))"

$url
Start-Process $url

This prints the payment link and opens it in your browser.

In a real integration, your server makes this call. Your Merchant ID and payment details never appear in the customer's browser. See Prepared Payments.

Step 3: Pay with a test card​

The Monek Checkout Page opens, showing £10.00. Fill it in with this test card:

FieldValue
Cardholder NameAny name
Card number4015 5011 5000 0216
Expiry12 / the current year, e.g. 12 / 26
CVC276

Click Pay £10.00. If you're asked to complete a 3-D Secure check, follow the prompts.

More test cards are on the Test Cards page.

Step 4: Check the result​

After paying, you're sent to the SuccessUrl you set. The page itself won't load, because example.com isn't a real shop, but the result is in your browser's address bar:

https://www.example.com/payments/success?ResponseCode=00&Message=AUTHCODE%3A123456&CrossReference=...
  • ResponseCode=00 means the payment was authorised.
  • CrossReference is Monek's reference for the payment. You'd store it for refunds and later charges.
Try other results

Test Merchant IDs respond based on the amount. Change Amount in Step 2 to 7500 (£75.00) to see a referral, or 12000 (£120.00) to see a decline. These amounts are for the standard test band. See Test Cards for the other bands.

Next steps​

You've taken a test payment. To build it into your website:

  • Checkout Page: the full guide, with the fields you'll need and a go-live checklist.
  • Webhooks: get payment results sent straight to your server.
  • Checkout SDK: if you'd rather show card fields on your own page.