Test payments for apps in development

Build checkout, subscriptions and webhooks before you choose a payment partner or sign a contract. Your coding agent connects it through MCP.

Connect MCP Create a test account

11 payment partners, from card and Swish to invoice and company purchases. Free for now.

Coding agent · granbacken-app

I want us to use Veracity Pay to emulate payments in this project.

Sure. Which payment providers do you want to emulate? And which e-mail should own your account?

Swish and Svea, and the e-mail I use for git.

✓veracity-pay · register_merchantswish, svea

You have received an e-mail with your API keys and the commands to add them. I see no secrets.

✓veracity-pay · integration_guideswish, svea

Now I am writing the checkout and the webhook route. Tell me when the keys are in .env.local.

Payments from the first sprint. The contract can wait.

An account without a company or contract
Name, e-mail and a code – as a private person too. No review of company and owners (KYC) as at a real provider.
2 steps
No money, no fees
No transaction moves real money, and there are no transaction or chargeback fees.
SEK 0
Choosing a partner
One account runs all eleven. Try several side by side before you choose.
11 partners
Going live
Each flavour follows the original’s paths, fields and callbacks. You change host and keys, not code.
3 lines

granbacken-app .env.production +3−3

1PAYMENT_API_URL=https://…pay.veracity.se

1PAYMENT_API_URL=https://api.…

2PAYMENT_SECRET_KEY=vp_sk_test_…

2PAYMENT_SECRET_KEY=live_…

3PAYMENT_WEBHOOK_SECRET=3fQ…

3PAYMENT_WEBHOOK_SECRET=Lk9…

44NODE_ENV=production

Payment partners

3 of 11 on

LedyerInvoices to companies
Nets EasyHosted payment page
Swish HandelE- and m-commerce
Svea CheckoutInvoice and instalments

The MCP server in three steps. The agent does the rest.

Add the MCP server

claude mcp add --transport http veracity-pay https://pay.veracity.se/mcp

granbacken-app

~/app$claude mcp list

veracity-payHTTPok

register_merchanttool1/14

integration_guidetool2/14

complete_checkouttool3/14

Ask the coding agent

“I want us to use Veracity Pay to emulate payments in this project.”

Coding agent

Which payment providers do you want to emulate?

Swish and Svea

And which e-mail should own the account?

Get the API keys by e-mail

Merchant ID, keys and ready commands arrive in your inbox. The agent sees no secrets.

Your Veracity Pay keys

3 of 4

.env.local, 7 lines
vercel env add, 7 commands
Webhook URL connected
First test payment

Hosted and embedded checkout with a test mode

Card, Swish, invoice, instalments and bank transfer, for consumers and companies, in Swedish and English. The customer approves with a code by e-mail, and in the test panel you pick the outcome.

Try the demo shop Read about test mode

Granbacken Road AssociationRoad associationTest mode

Subscription SEK 99.00 / month

Association plan1 × SEK 99.00 / monthSEK 99.00

Incl. VATSEK 19.80

Total incl. VATSEK 99.00

Charged every month until you cancel.

Welcome back, Anna

ContactAnna LindSaved details · Björkvägen, Granbacken

CardVisa, Mastercard and other cards

4000 0000 0000 999512/29123

SwishApprove on your phone

Invoice and instalmentsPay in 30 days or split it

Test mode – choose an outcome

ApproveSucceeds DeclineInsufficient funds DeclineVerification fails PendingSettles in 8 s TimeoutExpires Provider errorHTTP 500

Start subscription · SEK 99.00 / month

Eleven payment partners with their own APIs. Each with its own checkout.

Checkout API v68–v72: sessions with Hosted Checkout, /payments with test cards, stored payment methods and HMAC-signed notifications such as AUTHORISATION, CAPTURE and REFUND.

Read about the Adyen flavour

JSONPOST /v72/sessions200 OK

// X-API-Key: vp_sk_test_…
{ "merchantAccount": "acct_…",
  "amount": { "value": 12500,
    "currency": "SEK" },
  "reference": "order-1042",
  "mode": "hosted",
  "countryCode": "SE",
  "returnUrl": "…/retur" }

mode hosted returns a checkout url.

JSONPOST /checkout/v3/orders200 OK

{ "purchase_country": "SE",
  "purchase_currency": "SEK",
  "order_amount": 50000,
  "order_tax_amount": 10000,
  "order_lines": [{ … }],
  "merchant_urls": {
    "confirmation": "…/tack",
    "push": "…/push" } }

The answer contains html_snippet.

JSONPOST /v1/sessions200 OK

// Authorization: Bearer …
{ "country": "SE", "currency": "SEK",
  "orderLines": [{ … }],
  "totalOrderAmount": 125000,
  "totalOrderVatAmount": 25000,
  "reference": "order-1042",
  "settings": { "urls": {
    "terms": "…/villkor" } } }

The answer holds the sessionId for bootstrap.js.

JSONPOST /nets/v1/payments200 OK

{ "order": {
  "items": [{ … }],
  "amount": 50000,
  "currency": "SEK" },
  "checkout": {
  "integrationType":
    "HostedPaymentPage",
  "returnUrl": "…/klar",
  "termsUrl": "…/villkor" } }

The answer holds paymentId and hostedPaymentPageUrl.

JSONPOST …/merchantapi/Orders200 OK

{ "MerchantReference": "order-1042",
  "Currency": "SEK",
  "Country": "SE",
  "OrderItems": [{ … }],
  "MerchantConfirmationUrl":
    "…/klar",
  "MerchantCheckoutStatusPushUrl":
    "…/push" }

201 with OrderId and PaymentLink.

TSbilling/checkout.ts200 OK

const session = await vp.checkout
  .sessions.create({
  mode: "subscription",
  line_items: [{ price: plan }],
  customer_email: user.email,
  client_reference_id: org.id,
  success_url: `${APP}/klar`,
  cancel_url: `${APP}/planer`,
});

Monthly plan in SEK; send the customer to url.

JSONPOST /api/orders200 OK

{ "CountryCode": "SE",
  "Currency": "SEK",
  "ClientOrderNumber": "order-1042",
  "Cart": { "Items": [{ … }] },
  "MerchantSettings": {
    "PushUri": "…/push",
    "CheckoutValidationCallBackUri":
      "…/validera" } }

The answer holds OrderId and Gui.Snippet.

JSONPOST /psp/paymentorders200 OK

{ "paymentOrder": {
  "operation": "Purchase",
  "currency": "SEK",
  "amount": 12500,
  "vatAmount": 2500,
  "urls": { "completeUrl": "…/klar",
    "callbackUrl": "…/cb" },
  "payeeInfo": { … } } }

The answer holds operations with redirect-checkout.

JSONPUT …/v2/paymentrequests/{id}200 OK

{ "payeePaymentReference": "1042",
  "callbackUrl": "…/swish/callback",
  "payerAlias": "46712345678",
  "payeeAlias": "1231181189",
  "currency": "SEK",
  "message": "Order 1042",
  "amount": "125.00" }

201 with Location, a callback once the payer answers.

JSONPOST /v1/order200 OK

// X-Api-Key: secret_test_…
{ "gross_amount": "1250.00",
  "net_amount": "1000.00",
  "tax_amount": "250.00",
  "currency": "SEK",
  "line_items": [{ … }],
  "buyer": { "company": { … } },
  "merchant_urls": { … } }

The answer holds status and payment_url.

JSONPOST /checkouts200 OK

// Authorization: Bearer …
{ "storeId": 1201,
  "countryCode": "SE",
  "reference": "order-1042",
  "notificationUri": "…/walley",
  "redirectPageUri": "…/klar",
  "cart": { "items": [{ … }] } }

The answer holds privateId and publicToken.

A dashboard for the whole test. Your agent can do the same.

Every payment from every partner in one list, filtered by status, method and payment solution. Open one for its timeline, customer and refunds.

Ask the agent“Show my latest purchases and which were declined.”

Read about the dashboard

Dashboard: payments from Kustom, Nets Easy, Stripe and Swish with filters

Test every outcome before your customers do. Without a single real krona.

Declines payments with a chosen reason

Insufficient funds, a blocked card, 3-D Secure or a timeout – per payment or for the next renewal.

Next charge

1 of 4 on

Decline: insufficient fundsinvoice.payment_failed
Decline: card blockedrestricted_card
Timeout after 30 sNobody confirms the charge
Always appliesOtherwise only next time

Renews subscriptions with a test clock

Move the clock a month: the invoice is created, charged without a code and invoice.paid is sent.

Test clock: +1 month

4 of 5

Invoice GRANB-0002 created
SEK 99.00 charged, Visa •••• 4242
invoice.paid delivered
Receipt in the test inbox
Next charge 7 January

Runs the payment flow in your tests

Complete a checkout through the API with the outcome you pick, without a browser, and check webhooks in CI.

granbacken/appzsh

~/app$pnpm test:payments

checkout.test.ts12 tests1.4s

renewals.test.ts9 tests2.1s

webhooks.test.ts7 tests0.9s

Tests28 passed(28)

Collects e-mail in the test inbox

Codes, receipts and invoices land in a searchable inbox. With a Resend key they are also sent for real.

Code 482 913nowApprove SEK 99.00 to Granbacken
Receipt for invoice GRANB-00012mAnna Lind
Refund SEK 250.009mRoad fee 2027

Common questions

Everything else is in the docs.

Read the docs

test card Ctrl K

Documentation

Test cards that declineTest mode
3-D Secure with a test cardCheckout
Test cards in the Adyen flavourAdyen

↑↓ to moveEnter to open

Does it cost anything?

No. No real money moves, and there are no transaction, chargeback or monthly fees.

Do I need a company?

No. Sign up as a private person and try your idea.

What happens when we sign a contract?

Change the host and keys; the docs list each deviation.

How close are the emulations to the originals?

As close as the public docs allow; the differences are listed.

Why do the keys expire?

They last one month at a time. Extend with one click in the dashboard or with extend_key.

Missing a payment method or partner?

Request a payment method or suggest a partner.