Testing

Testing cards

Card Number

Notes

4000000000000077

Charge will succeed and funds will be added directly to your available balance.

4242424242424242

Charge will succeed.

4000000000000002

Charge will be declined with a card declined.

4000000000000069

Charge will be declined with an expired card.

4000000000000127

Charge will be declined with an incorrect cvc.

4000000000000259

Charge will succeed and it will later be disputed as fraudulent.

{
  "amount": "15.00",
  "currency": "USD",
  "card": {
    "nameOnCard": "Christina Chan",
    "cardNumber": "4000000000000077",
    "expirationMonth": "03",
    "expirationYear": "2019",
    "securityCode": "123"
  },
  "personalContact": {
    "email": "[email protected]"
  }
}

Testing banks

👍

Payments, Banks, Merchant Customers.

The following test bank account and routing number can be used for creating test transactions, creating banks, or when creating a merchant customer.

Account Number

Routing Number

Notes

000123456789

110000000

Resource status will transition to posted then transition to paid. (USD payments)

000123456789

11000-000

Resource status will transition to posted then transition to paid. (CAD payments)

{
  "amount": "15.00",
  "currency": "USD",
  "bank": {
    "accountNumber": "000123456789",
    "routingNumber": "110000000",
    "country": "USA",
    "currency": "USD"
  },
  "personalContact": {
    "email": "[email protected]"
  }
}
{
  "amount": "15.00",
  "currency": "CAD",
  "bank": {
    "accountNumber": "000123456789",
    "routingNumber": "11000-000",
    "country": "CAN",
    "currency": "CAD"
  },
  "personalContact": {
    "email": "[email protected]"
  }
}

Verifying a Bank

Paystand usually requires Bank resources to be verified before they can be used for other operations. E.g. Withdrawing money, or being used for payments or payouts.

Bank resources can be verified in 2 ways:

  • Directly by using a BankLogin session
  • Indirectly by using micro-deposits

Micro-deposits

When micro deposits are initiated in a test environment, the values below can be used to successfully or unsuccessfully verify the bank.

You can find more information at: Verify Amounts

Amounts

Notes

["32", "45]

Will successfully verify

Any other amounts other than ["32", "45]

Verification will fail

{
  "amounts": ["32","45"]
}
{
  "amounts": ["01","99"]
}

Testing bank logins

Username

Password

BankName

BankKey

MFA Question

MFA Answer

paystand_test

paystand_good

Wells Fargo

wells

You say tomato, I say...?

tomato

paystand_test

paystand_good

Bank of America

bofa

You say tomato, I say...?

tomato

paystand_test

paystand_good

Chase

chase

You say tomato, I say...?

tomato

paystand_simple

paystand_good

All Banks

wells

N/A

N/A

** See below for details

Multi-Factor Authentication (MFA) Questions

MFA Question

MFA Type

MFA Answer

"You say tomato, I say...?"

Questions / Selections

tomato will succeed
again is a valid response for type questions that will return another question mfa.

"What is the name on the bank account?"

Questions

paystand

"What is the account holder type?"

Questions

individual or company

"Account number"

Questions

9876543210

"Routing number"

Questions

111121111