Testing scenarios
Pre-requisites
Access to Raylo staging and valid test credentials.
Your e-commerce site or checkout app is integrated with Raylo Pay (per docs.raylopay.com) and points to staging.
At least one staging product is mapped to a Raylo test product and priced > £0.00 in your system (other items may be present at £0.00).
Test data requirements (staging)
Name
Use a decision persona (see below)
Drives decisioning in staging.
Unique for new-customer tests; same email to simulate existing-customer login
You'll need access to this inbox for existing customer testing
Address
Address and postcode
Must exist.
Address history
“Have you lived at this address for more than 3 years?” → Yes
Staging shortcut; avoids previous-address capture during tests.
Mobile
UK mobile phone number
07XXXXXXXXX or +44 7XXXXXXXXX.
Date of birth
18+
Collected during Raylo checkout.
Direct Debit
Account number 88888888, Sort 20-20-20
Account holder name must match the Name field. Test-only details.
Existing customer detection
If a logged-out user matches an existing customer on the staging environment, Raylo will prompt for login instead of creating a duplicate. A match occurs on any of:
Same email, or
Same phone number, or
Same DOB + postcode combination
Important: Each test customer must have a unique combination of the details above. Reusing these across multiple test customers can trigger authorisation errors or failed logins, as the system will detect conflicting identities. To avoid this, keep a simple record of the details you’ve already used for each test customer.
Decision personas
In staging, the Name determines the decision. If your checkout captures first and last names separately, ensure the combined full name matches exactly.
James
Kirk
Accepted
Wesley
Crusher
Declined
Benjamin
Sisko
Referred
Kira
Nerys
Accepted as a new customer (i.e. new checkouts), then declined as an existing customer (i.e. for subsequent checkouts like upgrade or additional tech)
Kathryn
Janeway
Accepted as a new customer (i.e. new checkouts), then referred as an existing customer (i.e. for subsequent checkouts like upgrade or additional tech)
NB: for scenarios not on this list, the expected outcome is declined.
How to test new customers
Close all existing private/incognito windows (they can share state and make tests inconsistent).
Open a new private/incognito window.
Ensure your basket includes ≥1 Raylo-mapped product priced > £0.00.
At checkout, enter one of the decision persona names (first and last names must combine to the exact full name).
Use a never-used email address.
Duplicate detection note: To guarantee the new-customer flow, avoid reusing identifiers. If you reuse any one of: email, mobile, or DOB + postcode, the checkout may detect an existing customer and prompt for login.
Enter a valid UK address & postcode and a valid existing UK mobile.
Consistency tip: Use values not previously combined with the email in staging to avoid unintended existing-customer detection.
Select Raylo as the payment method to open the Raylo checkout.
In Raylo checkout:
Choose a subscription term (e.g. 24 months).
“Have you lived at this address for more than 3 years?” → select Yes.
Enter date of birth (must indicate 18+).
Enter Direct Debit details: Account holder = exact Name, Account 88888888, Sort 20-20-20.
Accept T&Cs and submit.
Verify the decision matches the chosen persona (Accepted / Declined / Referred) and that you’re redirected back to the merchant site.
How to test existing customers
Note: In staging, the existing-customer flow only supports Accepted outcomes.
Complete a new-customer test with an Accepted outcome using the decision persona James Kirk (this creates the customer record).
Close all existing private/incognito windows, then open a new private/incognito window.
Ensure your basket includes ≥1 Raylo-mapped product priced > £0.00.
At your checkout, you must keep the same Name (e.g. James Kirk).
Reuse any one of these identifiers from Step 1 to trigger existing-customer detection:
Same email, or
Same phone number, or
Same DOB + postcode
Select Raylo as the payment method and proceed to Raylo checkout.
In Raylo checkout:
Log in if prompted (expected for existing customers).
Choose a subscription term (e.g. 24 months).
“Have you lived at this address for more than 3 years?” → select Yes.
Enter date of birth (must indicate 18+).
Enter Direct Debit details: Account holder = Name in this checkout, Account 88888888, Sort 20-20-20.
Accept T&Cs and submit.
Expected: Decision Accepted and redirect back to the merchant site. (Other outcomes are not supported for existing-customer tests in staging.)
Troubleshooting
Raylo method not shown: Ensure the basket contains ≥1 Raylo-mapped product priced > £0.00.
Unexpected login prompt (during new-customer tests): You reused identifiers; switch to a unique email/phone or change DOB+postcode for a fresh customer.
Outcome didn’t match persona (new-customer tests): Check exact Name spelling (first + last), uniqueness vs reuse of identifiers, valid UK mobile, and the test bank details.
Redirect loops / odd session behaviour: Use a single fresh private window per test and close it between runs.
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