Checkout: PayGate XML

paygate1-600x200_c

WordPress Shopping Cart plugin with PayGate XML Payment Method

PLEASE NOTE: This payment method is only used in South Africa. If you would like to make use of this payment method you must first ensure that you have set the currency to South African Rands (ZAR). This setting can be found in Checkout > Configuration > General Configuration section.

Configure the Plugin


The Fields needed to fill in to set up PayGate XML are fairly straight forward.

  • Title/Caption: This is to set what the payment method is called in the checkout procedure. The Name of the Payment Method as it will appear to the customer.
  • PayGate ID: This value is given to you when you register with PayGate. It is essentially your account ID so you can specify the money must go to you.
  • PayGate Password: This is the password provided to you by PayGate and is needed to validate you PayGate ID.
  • 3D Secure: This is set to Yes by default and we recommend you leave it set to Yes.  It uses ‘Verified by Visa’ and ‘MasterCard Securecode’ for extra verification to assure the process is as safe as possible.

Testing PayGate with the Plugin

PayGate doesn’t have a developer/demo/test account available specifically that you have to sign up to. They provide test PayGate IDs which can be used by anyone to do testing with.

Test PayGate IDs

There are two PayGate ID’s that can be used for testing:

  1. 10011013800 – use this PayGate ID to test: Card processing with 3D Secure, using PayGate’s MPI MobileMoney / AMT, PaySum1, Ukash
  2. 10011021600 – use this PayGate ID to test: Card processing with no 3D Secure, Card processing with 3D Secure using the merchant’s MPI

The PayGate testing password for these PayGate test IDs is: test

Test PayGate Card Numbers

3D Secure Card Numbers

Card Brand

Card Number

Risk Indicator

Approved Transactions. res attribute = 990017; stat attribute = 1.

Visa

4000000000000002

AX *

MasterCard

5200000000000015

AX

American Express

378282246310005

NX

Diners Club

38520000023237

Not Applicable

Insufficient Funds Transactions. res attribute = 900003; stat attribute = 2.

MasterCard

5200000000000023

NX *

Visa

4000000000000028

NX

American Express

371449635398431

NX

Declined Transactions. res attribute = 900007; stat attribute = 2.

Visa

4000000000000036

AX *

MasterCard

5200000000000049

AX *

Diners Club

30569309025904

Not Applicable

Invalid Card Number. res attribute = 900004; stat attribute = 2.

All other card numbers

XX

Unprocessed Transactions. res attribute = 990022; stat attribute = 0.

MasterCard

5200000000000064

XX

Expiry Date must be in the future; Card Holder & CVV can be made up.

No 3D Secure Card Numbers

Card Brand

Card Number

Risk Indicator

Approved Transactions. res attribute = 990017; stat attribute = 1.

Visa

4000000000000002

XX

MasterCard

5200000000000015

XX

American Express

378282246310005

Not Applicable

Diners Club

38520000023237

XX

Insufficient Funds Transactions. res attribute = 900003; stat attribute = 2.

MasterCard

5200000000000023

XX

Visa

4000000000000028

XX

American Express

371449635398431

Not Applicable

Declined Transactions. res attribute = 900007; stat attribute = 2.

Visa

4000000000000036

XX

MasterCard

5200000000000049

XX

Diners Club

30569309025904

XX

Invalid Card Number. res attribute = 900004; stat attribute = 2.

All other card numbers

XX

Unprocessed Transactions. res attribute = 990022; stat attribute = 0.

MasterCard

5200000000000064

XX

Expiry Date must be in the future; Card Holder & CVV can be made up.

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