Test vs Live Mode

Same URL. The key picks the mode. Test and live data are separate. No real money on sk_test_. Test mode also simulates identity verification and bank account resolution. See KYC and Payouts for fixtures.

Simulate a bank deposit (test)

curl -X POST https://api.puplar.com/virtual-accounts/{id}/simulate-deposit \
  -H "Authorization: Bearer sk_test_your_key" \
  -H "Content-Type: application/json" \
  -d '{ "amount": 10000 }'

amount is minor units, 100–1000000. Live keys return 400. Do not use this for cards.

Test cards

NGN and USD checkout. Unknown PANs follow the PIN flow.

Succeeds

Flow	Number	Expiry	CVV	PIN	OTP
PIN then OTP	`5531886652142950`	09/32	564	`3310`	`12345`
PIN then OTP (Verve)	`5061460410120223210`	10/31	780	`3310`	`12345`
3DS redirect	`4187427415564246`	09/32	828	`3310`	`12345`
3DS redirect (Mastercard)	`5438898014560229`	10/31	564	`3310`	`12345`
AVS	`4556052704172643`	09/32	899	—	—
No extra auth	`5061460166976054667`	10/29	564	—	—

OTP 5548 = wrong OTP. 6648 = insufficient funds. Any other OTP succeeds on PIN cards.

Declines

Outcome	Number	Expiry	CVV	PIN
Do not honor	`5143010522339965`	08/32	276	`3310`
Insufficient funds	`5258585922666506`	09/31	883	`3310`
Incorrect PIN	`5399834697894723`	09/31	883	`3310`
Stolen card	`5590131743294314`	11/32	887	`3310`

Test KYC (identity)

Use sk_test_ with POST /customers/:id/documents. Verification is simulated — no Prembly/identity provider call.

ID type	Number	Result
BVN	`22222222222`	Verified
BVN	`11111111111`	Fails
NIN (NG `national_identity`)	`12345678901`	Verified
NIN (NG `national_identity`)	`10000000000`	Fails
Passport / driver license	Any + `id_front` image	Verified (synthetic profile)

Test bank account resolve

Use sk_test_ with POST /misc/banks/ng/resolve. Returns fixture names — no real NIP lookup.

Account number	Bank code	Result
`0123456789`	`058`	`Test NGN Account 1`
`0987654321`	`011`	`Test NGN Account 2`
`0001234567`	`058`	`Test Account Holder`
Any 10-digit number starting with `000`	any	`Test Account Holder`
`9999999999`	any	`404` not found

Full fixture list: same account/bank pairs as the virtual account test pool. Go live: switch to sk_live_, point webhooks at production, drop simulate-deposit, and use real ID numbers and bank accounts.

Getting Started

Feature Guides

Test vs Live Mode

Simulate a bank deposit (test)

Test cards

Succeeds

Declines

Test KYC (identity)

Test bank account resolve

​Simulate a bank deposit (test)

​Test cards

​Succeeds

​Declines

​Test KYC (identity)

​Test bank account resolve

Simulate a bank deposit (test)

Test cards

Succeeds

Declines

Test KYC (identity)

Test bank account resolve