Documentation menu Docs / Test
Test data Values that always produce the same outcome, for consumers, merchants, banks and the network.
Fixed values that always produce the same outcome, so every path can be tested. The same list is published as JSON for your automated tests, and in the printable sandbox data sheet .
Never use real personal information The sandbox is not for real people's data. Use the values on this page, or values you make up.
Codes and PINs# Item Value One-time code (text message) 123456; any other code is refusedPIN rule Six digits, not a repeated or simple sequence such as 111111 or 123456. PIN lockout 10 incorrect attempts in one hour lock the PIN for one hour. PIN of customers onboarded by automatic completion 135790
Consumer identity# Input Outcome Reason SSN or ITIN ending 2222 in_reviewIdentity needs manual review SSN or ITIN ending 3333 rejectedIdentity not verified SSN or ITIN ending 4444 in_reviewPotential sanctions match Mobile number ending 0199 in_reviewRecent SIM swap; the new-device check is also refused Any other SSN approvedIdentity verified
Business identity# Input Outcome EIN ending 9999 rejected EIN ending 0000 in_review Industry in the enhanced review list in_review Industry in the prohibited list rejected at once An owner with an SSN ending 3333 rejected Any other EIN approved
Industries Industry Class Coffee shops and cafes allowedRestaurants allowedGrocery stores allowedClothing and apparel allowedHealth and beauty allowedProfessional services allowedHome services and repairs allowedEducation and tutoring allowedFitness and recreation allowedPawn shops enhanced_reviewGaming (licensed operators) enhanced_reviewAdult content prohibitedWeapons and firearms prohibitedCannabis and controlled substances prohibitedMoney services and crypto-assets prohibited
Test banks# Sign in to any test bank with user_good and pass_good.
Bank Own sign-in Outcome First Community Bank No Passes every check Summit National Bank Yes Uses its own sign-in (OAuth); passes every check Harbor Savings Bank No Account holder name does not match; held for ownership review Prairie Credit Union No Cannot receive a Request for Payment; withdrawals only Old Mill Bank No Not reachable by RTP; link fails Lakeside Bank No Account already linked by another customer; link fails
Account types Account Mask Outcome checking 0000 supported savings 1111 supported credit card 3333 link fails: unsupported_account_type
Amounts# The cents of an amount decide the network outcome when the workspace is in automatic rail mode. In manual mode, you answer each request yourself at the rail desk.
Cents ending Loads and pay by bank Withdrawals 01 failed: declined_by_customer settled 02 failed: request_expired settled 03 failed: rejected_by_bank failed: rejected_by_bank 04 no answer: rail exception after 24 hours no answer: rail exception after 24 hours any other settled or completed settled
Timing# Event After Automatic rail outcome 3 seconds Identity and business checks 1.5 seconds Bank link checks 1.5 seconds Hosted session expiry: onboarding 30 minutes Hosted session expiry: payment confirm 5 minutes Hosted session expiry: pin reset 15 minutes Hosted session expiry: contact change 15 minutes Hosted session expiry: terms acceptance 30 minutes
Simulation events# Send POST /v1/sandbox/simulate/{event} with {"object_id": "..."}:
customer.verification.approvedcustomer.verification.in_reviewcustomer.verification.rejectedlinked_account.verifiedlinked_account.failedload.settledload.failedpayment.completedpayment.failedwithdrawal.settledwithdrawal.failedpayment_request.expiredcustomer.pin_lockedaccount.suspendedaccount.reactivatedaccount.dormantdispute.updatedstatement.availableSandbox and production# Area Sandbox Production Identity and business checks Outcomes come from the test values; no data leaves the sandbox. Checks run with the verification providers under the Sponsor Bank's CIP program. One-time codes Always 123456; no text message is sent. Sent by text message to the customer's mobile number. RTP network Simulated by the amount's cents or by the payer's bank responses in the portal. TCH RTP through the Sponsor Bank. Bank linking The bank-linking simulator with six test banks. Plaid Link with real institutions. Passkeys Simulated enrollment and use. The device's own passkey prompt (WebAuthn). Time Each workspace has a clock that can be moved forward. Real time only. Chaos options Duplicate, out-of-order and failed deliveries and API errors on request. Not available; the same retry rules apply. Hosted screens without a customer Sessions can be completed by the portal or POST /v1/sandbox/sessions/{id}/complete. Not available. Statements PDF marked SANDBOX. Statements from the Digital Account program. Credentials Keys start with cli_sbx_, sk_sbx_, pk_sbx_ and whsec_. Issued after certification, with production prefixes. Limits, fees, retries, idempotency, pagination, errors Same rules as production; limits and fees are configurable for testing. Program values agreed with FINAP USA LLC and the Sponsor Bank.
Questions about this page? Contact developer support .