Testing Your Integration

Finix's Sandbox environment allows you to test your integration without making actual transfers or payments. Our sandbox environment simulates transactions without moving real money.

Testing Transactions

Before going live, use this information to thoroughly test your integration on the DUMMY_V1 processor.

Testing ACH Returns

Use the following bank details to trigger ACH Return Codes. For more about ACH Return Codes, see ACH Direct Debit.

ACH Return Code	Failure Code	Failure Message	Bank Details
R01: Insufficient Funds	`INSUFFICIENT_FUNDS`	The account has insufficient funds. The account holder needs to use a new payment method.	Bank Code: `122105278` Account Number: `123120006`
R02: Account is Closed	`BANK_ACCOUNT_CLOSED`	The bank account has been closed. The user should use an active bank account.	Bank Code: `122105278` Account Number: `123120007`
R03: No account on file	`NO_BANK_ACCOUNT_FOUND`	The account number is valid but not tied to a user or is not open.	Bank Code: `122105278` Account Number: `123120008`
R04: Invalid Account Number	`INVALID_BANK_ACCOUNT_NUMBER`	The account number is invalid or not open. The user should provide correct details.	Bank Code: `122105278` Account Number: `123120009`

Merchant#ready_to_settle_upon must be PROCESSOR_WINDOW or RECONCILIATION.
The failure_code and failure_message appear on the original Transfer.
The return Transfer will include the ACH Return Code and failure_message in its tags.

Testing Account Updater

Update Type	Brand	Card Number	Exp (M/Y)	New Number	New Exp (M/Y)
`CLOSED_CARD`	Visa	`4402087389579601`	`1/2030`	-	-
`EXPIRATION_UPDATED`	Visa	`4208862673740549`	`1/2030`	`4307730606824385`	`1/2040`
`FRAUD_REPORTED`	Amex	`340452801563455`	`1/2030`	-	-
`NUMBER_AND_EXPIRATION_UPDATED`	Visa	`4496772882855767`	`1/2030`	`4887005601746919`	`3/2040`

(Truncated for brevity in this preview — full data is available in the downloadable file.)

Testing AVS/CVV

Use these amounts to trigger specific payment failures:

Amount	Description
`102`	Declined
`103`	Canceled
`888888`	Disputed
`193`	Insufficient funds
`194`	Invalid card number
`889986`	AVS failure
`889987`	CVC failure

Testing Bank Account Validations

Validation Result	Bank Code	Account Number
`VALID`	`122105278`	`0000000016`
`INVALID`	`122105278`	`0000000005`
`INCONCLUSIVE`	`121000358`	`123123128`

Testing Card Type

Card Type	Card Number	Brand
`CREDIT`	`6011000000004675`	Discover
`DEBIT`	`5200820000007201`	Mastercard
`HSA_FSA`	`4393420000002680`	Visa
`RELOADABLE_PREPAID`	`379032000006086`	Amex

Testing Failure Codes

See ACH Direct Debit for return codes.

Use Get Transfer to review failure codes.

Failure Code	Card Number	Brand
`GENERIC_DECLINE`	`4000000000009979`	Visa
`CALL_ISSUER`	`4012888888881881`	Visa
`EXPIRED_CARD`	`4000000000009987`	Visa
`FRAUD_DETECTED_BY_ISSUER`	`4783512839773883`	Visa

Testing Refunds

State	Card Number	Brand
`FAILED`	`4000000000000135`	Visa

Testing Push-to-Card

Scenario	Card Number	Brand	Region	Country	Code
Successful Visa debit push	`4895142232120006`	Visa	CA	USA	N/A
Exceeds approval amount limit	`4957030420210488`	Visa	CA	USA	`EXCEEDS_ISSUER_AMOUNT_LIMIT`
Do not honor	`4895070000006687`	Visa	CA	USA	`DECLINE`
Suspected fraud	`4895070000004674`	Visa	CA	USA	`SUSPECTED_FRAUD`

Testing Push-to-Card Verifications

Scenario	Card Number	Brand	Fast Funds	Push Block	Type	Country
Issuer supports fast funds for all transactions	`4835070000000014`	Visa	`B`	`C`	`D`	`840`
Issuer does not support fast funds	`4855070000000035`	Visa	`N`	`C`	`D`	`840`