At the time of testing your coding Just pass ENVIRONMENT as TEST and make test txn with KwikPaisa NEO Bank demo Card number & KwikPaisa NEO Bank (Demo Bank) Net Banking. After successful setup, just change TEST as LIVE.

Card Number = 4747 4747 4747 4747
Name On Card = Anything you want
Validity = Any Future Date
CVV = Any 3 Numbers

OTP = 123456

This a demo card only used for Testing Purposes for INR & USD only.
#### KwikPaisa NEO Bank
OonePe Wallet