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I am evaluating Billsby and have not gone live with a payment processor. I have created products, plans, and cycles, and created a single customer manually. But I am unable to create a subscription manually for a customer. Starting on the individual customer page, I press Create Subscription and am able to go proceed through a checkout sequence. But at the end of the checkout sequence, I get the message "There was a problem processing your payment
Please try again later or using a different card".

Is it possible to create subscriptions in a test mode without being active on a live payment processor?