Test with Super Credit

Super offers two Buy Now, Pay Later (BNPL) options through Pay Later with Super:

Pay Later: spread the cost over 3, 12, or 24 months
Pay in 3 : 3 interest-free payments

Testing credit in the sandbox uses a real phone number and OTP but simulated application data and a test card for the loan repayment step. Work through the full flow below to verify your integration handles each stage correctly.

Requirements

Order value must be between £25 and £2,500
You will need access to a real mobile number to receive an OTP via SMS
One mobile number per credit application

Step-by-step test flow

1. Add items to your cart

On your test site, add items with a total value of at least £25 and no more than £2,500.

2. Proceed to checkout

At checkout:

Do not enter your phone number at this stage
Select one of the BNPL payment plans (Pay Later or Pay in 3)
Click Place Order

3. Complete OTP

Enter your real mobile number and enter the OTP

4. Complete the credit application form

You'll be taken to Super's credit application form. Use the following test data:

Field	Test value
Date of birth	Any date - year must be 2000
Annual income	£100,000
Address	Any Address - At least one years history
Employment status	Full-Time Employee
Monthly costs	£500

5. Select payment plan

Choose your payment plan whether it is Pay Later or Pay in 3

6. Verify your identity

Click the identity verified button to avoid scanning the QR code

7. Enter loan repayment card details

On the loan repayment page, use the following test card:

Field	Value
Card number	`4000 0185 2524 9219`
CVV	Any 3 digits
Expiry date	Any future date

8. Sign the loan documents

Review and sign the loan agreement as prompted to complete the application.

Testing a failed credit application

To simulate a declined credit application, use application data that doesn't meet the affordability criteria. Any of the following will trigger a decline:

Field	Value to trigger decline
Date of birth	Any year other than 2000
Annual income	A low value (e.g. £10,000)
Monthly costs	A high value (e.g. £3,000)

When a credit application is declined, the customer is automatically prompted to complete their payment using a card instead. This fallback flow is built into the Super payment component — no additional integration work is required.

Make sure your integration handles this correctly by verifying:

The customer is shown the card payment option after a credit decline
A successful card payment following a declined credit application still triggers a PaymentSuccess webhook
Your order confirmation logic fires correctly when the customer completes payment via the card fallback

Testing additional purchases

Once a loan is approved, you can make further test purchases against the same loan balance without reapplying. A couple of things to note:

If applied rewards reduce the total payable amount below £10, the transaction will not process
You can refund the first transaction to free up the loan balance for another test purchase, without needing to go through the application again

What to verify

After completing a test credit payment, confirm:

The credit application flow completes end-to-end and the order is confirmed
Your webhook endpoint received a PaymentSuccess event
Your post-payment logic (order confirmation, fulfilment trigger, etc.) fires correctly
Refunds against a credit order are handled correctly by your integration

Next Steps

Test with Card → - simulate card payments using specific test cards
Test with Open Banking → - simulate Open Banking payments using Yapily Mock
Test with Webhooks → - verify your webhook endpoint handles events correctly