{
  "object": "sandbox_test_values",
  "version": "1.0.0",
  "one_time_code": {
    "value": "123456",
    "note": "Every one-time code in the sandbox is 123456. Any other code is refused."
  },
  "pin": {
    "rule": "Six digits, not a repeated or simple sequence such as 111111 or 123456.",
    "lockout": "10 incorrect attempts in one hour lock the PIN for one hour.",
    "auto_completion_pin": "135790"
  },
  "consumer_identity": [
    {
      "input": "SSN or ITIN ending 2222",
      "outcome": "in_review",
      "reason": "Identity needs manual review"
    },
    {
      "input": "SSN or ITIN ending 3333",
      "outcome": "rejected",
      "reason": "Identity not verified"
    },
    {
      "input": "SSN or ITIN ending 4444",
      "outcome": "in_review",
      "reason": "Potential sanctions match"
    },
    {
      "input": "Mobile number ending 0199",
      "outcome": "in_review",
      "reason": "Recent SIM swap; the new-device check is also refused"
    },
    {
      "input": "Any other SSN",
      "outcome": "approved",
      "reason": "Identity verified"
    }
  ],
  "business_identity": [
    {
      "input": "EIN ending 9999",
      "outcome": "rejected"
    },
    {
      "input": "EIN ending 0000",
      "outcome": "in_review"
    },
    {
      "input": "Industry in the enhanced review list",
      "outcome": "in_review"
    },
    {
      "input": "Industry in the prohibited list",
      "outcome": "rejected at once"
    },
    {
      "input": "An owner with an SSN ending 3333",
      "outcome": "rejected"
    },
    {
      "input": "Any other EIN",
      "outcome": "approved"
    }
  ],
  "industries": [
    {
      "name": "Coffee shops and cafes",
      "class": "allowed"
    },
    {
      "name": "Restaurants",
      "class": "allowed"
    },
    {
      "name": "Grocery stores",
      "class": "allowed"
    },
    {
      "name": "Clothing and apparel",
      "class": "allowed"
    },
    {
      "name": "Health and beauty",
      "class": "allowed"
    },
    {
      "name": "Professional services",
      "class": "allowed"
    },
    {
      "name": "Home services and repairs",
      "class": "allowed"
    },
    {
      "name": "Education and tutoring",
      "class": "allowed"
    },
    {
      "name": "Fitness and recreation",
      "class": "allowed"
    },
    {
      "name": "Pawn shops",
      "class": "enhanced_review"
    },
    {
      "name": "Gaming (licensed operators)",
      "class": "enhanced_review"
    },
    {
      "name": "Adult content",
      "class": "prohibited"
    },
    {
      "name": "Weapons and firearms",
      "class": "prohibited"
    },
    {
      "name": "Cannabis and controlled substances",
      "class": "prohibited"
    },
    {
      "name": "Money services and crypto-assets",
      "class": "prohibited"
    }
  ],
  "banks": [
    {
      "id": "first_community",
      "name": "First Community Bank",
      "behavior": "pass",
      "uses_own_sign_in": false,
      "note": "Passes every check"
    },
    {
      "id": "summit_national",
      "name": "Summit National Bank",
      "behavior": "pass",
      "uses_own_sign_in": true,
      "note": "Uses its own sign-in (OAuth); passes every check"
    },
    {
      "id": "harbor_savings",
      "name": "Harbor Savings Bank",
      "behavior": "ownership_review",
      "uses_own_sign_in": false,
      "note": "Account holder name does not match; held for ownership review"
    },
    {
      "id": "prairie_cu",
      "name": "Prairie Credit Union",
      "behavior": "no_rfp",
      "uses_own_sign_in": false,
      "note": "Cannot receive a Request for Payment; withdrawals only"
    },
    {
      "id": "old_mill",
      "name": "Old Mill Bank",
      "behavior": "not_rtp",
      "uses_own_sign_in": false,
      "note": "Not reachable by RTP; link fails"
    },
    {
      "id": "lakeside",
      "name": "Lakeside Bank",
      "behavior": "already_linked",
      "uses_own_sign_in": false,
      "note": "Account already linked by another customer; link fails"
    }
  ],
  "bank_credentials": {
    "username": "user_good",
    "password": "pass_good"
  },
  "bank_account_types": [
    {
      "type": "checking",
      "mask": "0000",
      "outcome": "supported"
    },
    {
      "type": "savings",
      "mask": "1111",
      "outcome": "supported"
    },
    {
      "type": "credit card",
      "mask": "3333",
      "outcome": "link fails: unsupported_account_type"
    }
  ],
  "amounts": [
    {
      "cents_ending": "01",
      "loads_and_pay_by_bank": "failed: declined_by_customer",
      "withdrawals": "settled"
    },
    {
      "cents_ending": "02",
      "loads_and_pay_by_bank": "failed: request_expired",
      "withdrawals": "settled"
    },
    {
      "cents_ending": "03",
      "loads_and_pay_by_bank": "failed: rejected_by_bank",
      "withdrawals": "failed: rejected_by_bank"
    },
    {
      "cents_ending": "04",
      "loads_and_pay_by_bank": "no answer: rail exception after 24 hours",
      "withdrawals": "no answer: rail exception after 24 hours"
    },
    {
      "cents_ending": "any other",
      "loads_and_pay_by_bank": "settled or completed",
      "withdrawals": "settled"
    }
  ],
  "timing": {
    "automatic_rail_outcome_seconds": 3,
    "verification_seconds": 1.5,
    "link_checks_seconds": 1.5,
    "session_minutes": {
      "onboarding": 30,
      "payment_confirm": 5,
      "pin_reset": 15,
      "contact_change": 15,
      "terms_acceptance": 30
    }
  },
  "simulation_events": [
    "customer.verification.approved",
    "customer.verification.in_review",
    "customer.verification.rejected",
    "linked_account.verified",
    "linked_account.failed",
    "load.settled",
    "load.failed",
    "payment.completed",
    "payment.failed",
    "withdrawal.settled",
    "withdrawal.failed",
    "payment_request.expired",
    "customer.pin_locked",
    "account.suspended",
    "account.reactivated",
    "account.dormant",
    "dispute.updated",
    "statement.available"
  ],
  "webhook_retry_offsets_seconds": [
    0,
    60,
    300,
    1800,
    7200,
    21600,
    43200,
    86400,
    129600,
    172800,
    216000,
    259200
  ]
}