---
title: "Testing"
description: "Step-by-step guide to testing Split Pay transfers using Stripe test mode. Place test orders with test card numbers, verify payments in the Stripe Dashboard, and confirm transfers to connected accounts."
url: "https://docs.splitpayplugin.com/faqs/testing/"
---
## Overview

Before going live with Split Pay, it's essential to run test transactions to verify that transfers are being created correctly. Stripe provides a **test mode** that simulates payments without moving real money, allowing you to confirm your configuration end-to-end.

Always test in Stripe test mode **before** enabling live mode. Test mode transactions use separate API keys and do not affect your real Stripe balance.

## Step-by-step testing guide

### Step 1: enable Stripe test mode

Test mode is enabled on your **Stripe gateway**, not on Split Pay. The location depends on which adapter you’re running:

*   **Official WooCommerce Stripe Payment Gateway:** **WooCommerce → Settings → Payments → Stripe**.
*   **Payment Plugins for Stripe WooCommerce** (`woo-stripe-payment`): **WooCommerce → Settings → Payments** → click **Manage** on any of the Stripe-prefixed payment methods (or open **Payment Plugins → Stripe Settings** on newer versions) and toggle the gateway-wide test/live mode switch.
*   **FluentCart built-in Stripe module:** **FluentCart → Settings → Payment Methods → Stripe**, then switch the mode toggle from **Live** to **Test**.

Open the relevant settings page above and switch to **test mode**.

![Enabling TEST mode in the official WooCommerce Stripe settings (Stack A1). Payment Plugins and FluentCart expose an equivalent toggle on their own settings pages.](../../images/enabling-test-mode.png)

Enabling TEST Mode (official WC Stripe shown; the toggle is in the same conceptual spot for all three gateways)

Enter your Stripe **test publishable key** and **test secret key**. These start with `pk_test_` and `sk_test_` respectively. (Restricted keys with `rk_test_` are also accepted, provided they have **Connect → Transfers: Write**.)

Save your changes.

Find your test API keys in the [Stripe Dashboard](https://dashboard.stripe.com/test/apikeys) under **Developers → API keys**. Make sure "Test mode" is toggled on in the dashboard.

### Step 2: configure Split Pay settings

Ensure your Split Pay transfer settings are configured (global or product-level). The connected account must also be a **test mode** connected account. If you connected your vendor's Stripe account while in test mode, it should already be a test account.

### Step 3: place a test order

Add a product to your cart and proceed to checkout. Use Stripe's test card number:

| Field | Value |
| --- | --- |
| **Card number** | `4242 4242 4242 4242` |
| **Expiry date** | Any future date (e.g., `12/34`) |
| **CVC** | Any 3 digits (e.g., `123`) |
| **ZIP** | Any valid ZIP code (e.g., `12345`) |

Complete the checkout. The order should process successfully.

### Step 4: verify the Payment in Stripe

Log in to your [Stripe Dashboard](https://dashboard.stripe.com) and make sure **Test mode** is enabled (toggle in the top right).

Navigate to **Payments** and click **View test data**. You should see the test payment listed with the order total.

![Viewing Payments in Test Mode in the Stripe Dashboard](../../images/payments-test-data.png)

Viewing Payments in Test Mode

You should see your test payment appear in the list:

![First test payment in the Stripe Dashboard](../../images/first-test-payment.png)

Payments Section in the Stripe Dashboard

### Step 5: check the Connected account

In the Stripe Dashboard, go to **Connect → Accounts**. Click on the connected account that should have received the transfer.

![Stripe Connected Accounts in Test Mode](../../images/connected-accounts-test-mode.png)

Stripe Connected Accounts

Scroll down to the **Money Movement** section and click **Transfers**. The transfer amount should match what you configured in Split Pay.

![Transfer data in Stripe Connected Account](../../images/transfers-data.png)

Money Movement Section — Transfer Amount from Platform to Connected Account

If the payment and transfer both appear correctly, your Split Pay configuration is working. You can safely switch to live mode by unchecking "Enable test mode" in the Stripe settings and entering your live API keys.

## Additional test card numbers

Stripe provides several test card numbers for different scenarios:

| Card Number | Scenario |
| --- | --- |
| `4242 4242 4242 4242` | Successful payment (Visa) |
| `5555 5555 5555 4444` | Successful payment (Mastercard) |
| `4000 0000 0000 0002` | Card declined |
| `4000 0000 0000 9995` | Insufficient funds |
| `4000 0025 0000 3155` | Requires 3D Secure authentication |

For a full list, see [Stripe's testing documentation](https://docs.stripe.com/testing#cards).

## Common testing issues

*   **Payment succeeds but no transfer appears** — Check that your Split Pay settings are configured and that the connected account ID is a test mode account. Verify the transfer settings are saved on the product or globally.
*   **"No such connected account" error** — You're using a live connected account ID in test mode (or vice versa). Connected accounts have different IDs in test and live mode.
*   **Transfer amount is $0** — The transfer percentage or amount may be set to 0, or the product doesn't match any configured transfer rules.
*   **Order stuck on "pending"** — Stripe test mode may not be enabled properly, or your test API keys are incorrect.

If you encounter issues during testing, see the [Troubleshooting guide](../../support/troubleshooting/) for detailed diagnostics.