Testing

To ensure your integration functions correctly for payouts across various methods—such as cards, bank accounts, and other payment options—simulate transactions in the staging environment using special values without moving real money. This allows you to validate your setup thoroughly.

We provide payout details for successful transactions (the "happy path"). Additionally, in supported countries and for eligible services, we offer specific details designed to simulate various validation failures, helping you test and handle different error scenarios.

How to use the test data

The data should be submitted to the Store Attributes Endpoint. Upon successful submission, the endpoint will return an attr_set_token. This token must then be passed to the Initiate Payout Endpoint. Depending on the credentials provided, the response will either indicate a successful transaction or return a validation error. These test details will only work on the staging environment. They will not be processed properly on the production environment.

Account Verification Service (AVS) test data is the exception: those account numbers are submitted directly to the Validate Bank Account Endpoint and do not require an attr_set_token. See AVS Details below.

Banking Details

Happy Path details:

CountryPayer NamePayout Details
United StatesNext Day Bank DepositAccount Number: 13849130 Routing Number: 021000021
United StatesSame Day Bank DepositAccount Number: 13849131 Routing Number: 021000021
United StatesRTP - Real Time PaymentsAccount Number: 13849132 Routing Number: 021000021
United StatesInstant PayDebit Card Number: 4716539032781209 Debit Card Billing Zip Code: 89149 Debit Card Expiration Date: 2030-12
United StatesZelleZelle Account: 3101111111
CanadaBank Deposit CANAccount Number: 13849133 Transit Number: 00000 Institution Number: 177
CanadaInteracInterac E-mail Address: [email protected]
AustraliaAll BanksAccount Number: 999994 BSB Number: 032-999

Declined payout details:

CountryPayer NamePayout DetailsDecline ReasonStage of Failure
United StatesNext Day Bank DepositAccount Number: 13849134 Routing Number: 021000022Validation errorInitiate payout
United StatesNext Day Bank DepositAccount Number: 13849130 Routing Number: 021000022Validation errorCommit payout
United StatesSame Day Bank DepositAccount Number: 13849135 Routing Number: 021000022Validation errorInitiate payout
United StatesSame Day Bank DepositAccount Number: 13849131 Routing Number: 021000022Validation errorCommit payout
United StatesRTP - Real Time PaymentsAccount Number: 13849136 Routing Number: 021000022Validation errorInitiate payout
United StatesRTP - Real Time PaymentsAccount Number: 13849132 Routing Number: 021000022Validation errorCommit payout
United StatesInstant PayDebit Card Number: 4716539032781216 Debit Card Billing Zip Code: 89149 Debit Card Expiration Date: 2030-12Validation errorInitiate payout
United StatesInstant PayDebit Card Number: 4716539032781217 Debit Card Billing Zip Code: 89149 Debit Card Expiration Date: 2030-12Validation errorCommit payout
United StatesZelleZelle Account: 7021111110Validation errorInitiate payout
United StatesZelleZelle Account: 7021111111Validation errorCommit payout
CanadaBank Deposit CANAccount Number: 13849131 Transit Number: 00000 Institution Number: 178Validation errorInitiate payout
CanadaBank Deposit CANAccount Number: 13849133 Transit Number: 00000 Institution Number: 178Validation errorCommit payout
CanadaInteracInterac E-mail Address: [email protected]Validation errorInitiate payout
CanadaInteracInterac E-mail Address: [email protected]Validation errorCommit payout
AustraliaAll BanksAccount Number: 999995 BSB Number: 032-999Validation errorInitiate payout
AustraliaAll BanksAccount Number: 999996 BSB Number: 032-999Validation errorCommit payout

Account Verification Service (AVS) Details

Submit these account numbers to the Validate Bank Account Endpoint to simulate each possible verification outcome. Each test account number is mapped to a fixed response, so you can exercise your match-handling logic end to end without triggering a real verification or incurring a fee.

Verification result details:

Account NumberVerification ResultHTTP Responseownership_verifiedFirst Name MatchLast Name Matchmatch_scorescore_valuescore_rag
8880000001MATCH200 OKtrueYY100241GREEN
8880000002CLOSE_MATCH200 OKtrueYN72
8880000003NO_MATCH200 OKfalseNN0
8880000004UNSUPPORTED (async)202 PROCESSING

Testing the asynchronous flow

Account number 8880000004 is the test case for the asynchronous verification flow. Use it to confirm your integration correctly handles a verification that does not resolve inline.

The request returns 202 PROCESSING with no verification result in the body. The result is delivered separately to your avs.completed webhook, where it arrives as UNSUPPORTED. Because the account could not be verified, no fee is charged.

Two things to validate with this case:

  1. Your integration treats 202 PROCESSING as a pending state and waits for the webhook, rather than reading the response body for a result or timing out.
  2. Your reconciliation logic does not assume every verification request produces a billable event.

Configure your webhook listener in the staging environment before running this case, otherwise the result will have nowhere to be delivered.

As with all test data on this page, these account numbers only work on the staging environment. They will not be processed properly on the production environment.

Crypto Details

Happy Path details:

CurrencyPayout Details
BTCWallet Address: 1A3gVb9kLU2hC4pNxMZ7YkqWJ5rdt8XFsm

Declined payout details:

CurrencyPayout DetailsDecline ReasonStage of Failure
BTCWallet Address: 1A3gVb9kLU2hC4pNxMZ7YkqWJ5rdt8XFs1Validation errorInitiate payout
BTCWallet Address: 1A3gVb9kLU2hC4pNxMZ7YkqWJ5rdt8XFs2Validation errorCommit payout