Testing the Pay by Bank App

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Pay by Bank Test accounts
This section provides guidance and UAT PayIDs for testing the PayID and PayTo flow in Pay by Bank.

PayID in Pay by Bank

When completing a PayID transaction in Pay by Bank, a PayID is presented to the customer to make payment. To simulate making a payment as a customer, use our Test Bank to complete the payment and return to the Pay by Bank experience after.

PayTo in Pay by Bank

Happy Path PayTo Testing Accounts:

Use the following test PayIDs to test the Pay To flow within Pay by Bank. Act as the customer and use the following PayIDs to trigger certain testing outcomes:

PayID	Payment Request amount	Expected behaviour
0400123123	Any amount	The Payment Agreement created via the Pay by Bank checkout app will automatically get approved to an ACTIVE state. If Passkeys is enabled you will see the happy path with Passkeys.
0400123456	Any amount	The Payment Agreement created via the Pay by Bank checkout app will automatically get approved to an ACTIVE state. If Passkeys is enabled you will see the happy path with Passkeys.

Happy path PayTo Testing Accounts (BSB/AccNo):

BSB	Account number	Expected behavior
939300	123456	The Payment Agreement created via the Pay by Bank checkout app will automatically get approved to an ACTIVE state. If Passkeys is enabled you will see the happy path with Passkeys.

Exception scenario testing

PayID	Payment Request amount	Expected behaviour
0444222333	Any amount	PayID is not recognised, error message displayed “This mobile is not registered as a PayID”
0454444555	Any amount	PayID entered does not support PayTo, error message displayed “Your PayID is not enabled for PayTo”
0400123123	$88.88	Payment cannot be processed, error message displayed “Payment cannot be processed. Please contact your bank for further information or try a different payment method.
0472345678	Any amount	Authorisation expired - countdown timer goes down to The Payment Agreement created via the Pay by Bank checkout app will stay in a CREATED state (simulating that the agreement is not approved)
0400111222	Any amount	Payment initiation fails with insufficient funds, error message displayed “Payment failed due to insufficient funds. Please make sure you have enough funds in your account.”

Additional Features

Depending on your configuration, Azupay also handles automatic refunds if an overpayment is received, automatically completing the transaction and sending the difference back to the payer as a refund.