ACH

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Any valid routing + account number will result in an Approved payment in the sandbox environment. The status of the payment will be PROCESSING.

Validated ACH

The Validated ACH payment flow with the 3rd party provider, Plaid, can be tested in the sandbox environment. All Plaid accounts will result in an Approved payment in the sandbox environment. When processing a payment with Validated ACH in the Payment Component, follow these steps:

1. Payment component - click on any bank
2. Phone number page - click "Continue as guest" and do not input a phone number
3. Log in bank page - click "Continue to login" and it does not matter which bank you chose on step #1
4. First Platypus Bank (FPB) sign in page - First Platypus Bank is Plaid's test bank, no matter what bank was chosen earlier it will always prompt the First Platypus Bank. Click the "Sign in" button and you do not need to input a username or password
5. FPB verify your identity page - click "Get code"
6. FPB verification page - click "Submit" and you do not need to input a code
7. FPB connect account information page - click "Plaid Checking" or "Plaid Saving" and scroll to the bottom of the page to click "Continue"
8. FPB connect account information confirmation page - check the Terms and Conditions and click "Connect account information"
9. Plaid select account page - you should see the account chosen from step #7 and click "Continue"
10. Save with Plaid page - click "Finish without saving"
11. The Plaid account should be connected and appear in the Payment Component

Note: in the API and Reporting Components, payments process with Plaid accounts will always appear as Citizens Bank, regardless of the bank chosen in step #1 above.

Cards

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Any card number not included in any list below will result in a generic Declined payment in the sandbox environment. The status of the payment will be FAILED.

Approved Cards by Brand

The following list of test cards will result in an Approved payment in the sandbox environment. The status of the payment will be PROCESSING.

Most Cartes Bancaires cards are co-branded with Visa or Mastercard. The following cards will return approved responses with co-branded cards.

Approved Healthcare Cards

The following list of test cards can be utilized to test Healthcare cards.

Approved Business Cards

The following list of test cards can be utilized to test Business cards.

Approved Cards by Country

Declined

The following list of test cards will result in a Declined payment in the sandbox environment. The status of the payment will be FAILED.

Declined on Device

The following list of amounts will result in a Declined payment when a payment is processed via a device in the sandbox environment. The status of the payment will be FAILED.

Fraud

The following list of test cards can be utilized to test fraudulent or CVC / AVS risk checking. The result of the payment will be Declined or Approved depending on the card number in the sandbox environment.

Partial Authorization

The following list of test cards can be utilized to test the partial authorization payment flow. The result of the payment will depend on the payin configuration to allow partial authorization.

Partial authorization allowed

If allow_partial_authorization is set to true on the create payin config request, the payment flow will result in an Approved payment with a partial authorization of half the amount requested in the sandbox environment. The status of the payment will be PROCESSING.

Partial authorization not allowed

If allow_partial_authorization is set to false on the create payin config request, the payment flow will result in a Declined payment with a decline type of insufficient funds in the sandbox environment. The status of the payment will be FAILED.

Authorization and capture

The following test card can be utilized to simulate an Approved payment on the authorization request, with the status of Authorized, and then later capture of the payin will result in a Declined payment, with the status of Failed.

All other test cards in the Approved or Declined categories above will result in the following statuses for the authorization and capture requests: