Simulate payments. Ship with confidence.
A full-lifecycle payment sandbox — trigger intents, fire webhooks, and test every failure mode without touching a real card or gateway account.
Test every checkout scenario
Model fraud, timeouts, declines, and refund flows against a stateless sandbox that mirrors real production behaviour.
Payment Intent Lifecycle
Full-lifecycle sandbox — zero financial risk
Simulate the complete payment intent lifecycle — create, confirm, fail, refund — in a stateless sandbox that dispatches realistic webhook events to your server. Trigger fraud scenarios, network timeouts, and card decline codes on demand. Build and harden your checkout flow without touching a test account or risking real transactions.
Common use cases
- Test how your order page handles a card decline gracefully
- Verify your refund logic fires the correct webhook handler
- Simulate a payment network timeout and check retry behaviour
- Load-test checkout without generating real payment records
Webhook Integration
End-to-end event testing against your real server
Every payment lifecycle event fires a real HTTP POST to your server — inspect and debug in real time. Use alongside Webhook Echo to view the exact payload, headers, and timing your handler receives. Covers every Stripe-compatible event type across the full intent lifecycle.
What gets dispatched
payment_intent.created— Fired when an intent is registeredpayment_intent.succeeded— Fired after manual confirmationpayment_intent.payment_failed— Fired on decline or timeoutpayment_intent.refunded— Fired when a refund is applied
Three steps to test
Point any backend at your private sandbox URL and simulate real payment outcomes — no gateway keys required.
Copy your endpoint
Generate a free sandbox and get a unique Payment API URL. Use it in your checkout integration exactly like a real gateway endpoint.
Create a payment intent
POST a payment intent from your backend. The sandbox captures it, queues a webhook, and waits for your manual confirmation trigger.
Simulate any outcome
Use the dashboard to Succeed, Decline, or Delay the intent. Watch your app respond to every lifecycle event in real time.
Full lifecycle support: 3D Secure, partial refunds, dispute simulations, and network timeout scenarios are all available on demand.
Why use the Payment Simulator?
Three reasons developers ship faster with it
No Gateway Account
Test the entire payment flow without signing up for Stripe, PayPal, or any gateway. No API keys, no test mode credentials, no billing.
Trigger Any Failure
Instantly simulate declines, fraud flags, network timeouts, and partial refunds on demand. Cover every edge case before you write a single handler.
End-to-End Webhook Chain
Webhooks fire to your real server — not a mock. See the exact payload, headers, and timing your handler will receive in production.
Zero Financial Risk
No real cards, no real charges, no gateway account needed. Every intent, webhook, and outcome is 100% synthetic — safe to run as many times as you want.
Real Webhook Dispatch
Live HTTP POST calls fire to your endpoint on every lifecycle event — exactly like a production gateway — so your handlers are tested against real payloads.
Stateless & Private
Sessions are ephemeral and keyed to your browser. No data is stored on our servers after your session ends. Nothing leaves your browser without your intent.
Ready to build your integration?
Create a free sandbox in seconds. Test your entire payment flow — no accounts, no risk, no time limit.