Testing & Sandbox

Test payouts in the demo environment — no real money is transferred.

Demo Credentials

Merchant Login	`merchant@demo.com` / `merchant123`
Wallet Balance	`₹50,000` (pre-loaded)
OTP	`123456`
Test IP	`127.0.0.1`

Test a Payout

Use your saved beneficiary's details; a new beneficiary must complete the configured validation flow before a payout is accepted.

curl -X POST 'https://paygo.sanvexo.in/api/v1/payout/create' -H 'X-API-Key: YOUR_KEY' -H 'X-Secret-Key: YOUR_SECRET' -H 'Content-Type: application/json' -d '{

    "reference_id": "TEST-001",

    "amount": 100,

    "payout_mode": "imps",

    "beneficiary_name": "Test User",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

}'

$payload = json_decode('{

    "reference_id": "TEST-001",

    "amount": 100,

    "payout_mode": "imps",

    "beneficiary_name": "Test User",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

}', true);

$ch = curl_init('https://paygo.sanvexo.in/api/v1/payout/create');

curl_setopt_array($ch, [CURLOPT_POST => true, CURLOPT_RETURNTRANSFER => true,

  CURLOPT_HTTPHEADER => ["Content-Type: application/json", "X-API-Key: YOUR_KEY", "X-Secret-Key: YOUR_SECRET"],

  CURLOPT_POSTFIELDS => json_encode($payload)]);

$response = curl_exec($ch);

const response = await fetch("https://paygo.sanvexo.in/api/v1/payout/create", {

  method: "POST", headers: {"Content-Type": "application/json",

    "X-API-Key": process.env.PAYGO_API_KEY, "X-Secret-Key": process.env.PAYGO_SECRET_KEY},

  body: JSON.stringify({

    "reference_id": "TEST-001",

    "amount": 100,

    "payout_mode": "imps",

    "beneficiary_name": "Test User",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

})

});

const result = await response.json();

{

    "reference_id": "TEST-001",

    "amount": 100,

    "payout_mode": "imps",

    "beneficiary_name": "Test User",

    "beneficiary_account": "012345678901",

    "beneficiary_ifsc": "HDFC0001234",

    "beneficiary_bank": "HDFC Bank",

    "beneficiary_mobile": "9876543210",

    "account_type": "saving",

    "remark": "Merchant payout"

}

Simulate Payout Result

Note payout_id from the create response
Open https://paygo.sanvexo.in/payout/simulate/{payout_id}
Click Simulate Success or Simulate Failure
Webhook fires to your configured URL

Test Scenarios

Scenario	Expected
Successful payout	Status `success`, webhook `payout.success`
Failed payout	Status `failed`, wallet refunded, webhook `payout.failed`
Insufficient balance	HTTP `402`
Duplicate reference_id	HTTP `409`