KYC

🚧
Real Identities and Documents
Please do not submit real KYC in sandbox. You cannot verify real identities and document information in sandbox.

Base Documents

With the exception of addresses test base document requirements are nonrigorous. Any value following the appropriate format for the specific document (Ex. [email protected], phone: 000.000.0000) will be accepted.

Addresses

Valid USPS mailable addresses are required

Value	Result
123 Fail Address, Fail City, FS 00000	Supplied address is invalid / Unable to verify address
1 Market Street Suite 1000, San Francisco, CA 94105	Validation is successful
325 S Santa Claus Ln North Pole, AK 99705	Validation successful. Will trigger an AVS exception when attempting to create an INTERCHANGE-US node (i.e. when attempting to link an external card in Sandbox).

Value

Result

123 Fail Address, Fail City, FS 00000

Supplied address is invalid / Unable to verify address

1 Market Street Suite 1000, San Francisco, CA 94105

Validation is successful

325 S Santa Claus Ln
North Pole, AK 99705

Validation successful.

Will trigger an AVS exception when attempting to create an INTERCHANGE-US node (i.e. when attempting to link an external card in Sandbox).

Virtual Documents

Value	Result
`2222`	Validation Successful
Any other value	Validation Fails

Physical Documents

📘
Format
The base64 you send via this API call should be padded. See below:
"data:image/png;base64,<actual_file_data>

To be able to generate a sample base64 string, you can go to Base64 Image. They make it very easy to generate a padded base64 string for any image. You can then use that base64 string to test with our APIs.

Value	Result
`data:image/invalid;base64,SUQs==`	Validation Fails
Any other value	Validation Successful

Social Documents

Type	Value	Result
`EMAIL_2FA` and `PHONE_NUMBER_2FA`	`123456`	Validation Succesful
`EMAIL`	`[email protected]`	Validation Fails
`IP`	`255.255.255.0`	Validation Fails
`FACEBOOK`	`https://www.facebook.com/invalid`	Validation Fails
`LINKEDIN`	`https://www.linkedin.com/invalid`	Validation Fails
`TWITTER`	`https://twitter.com/invalid`	Validation Fails
`PHONE_NUMBER`	`541-754-3010`	Validation Fails

User Authentication

Device Fingerprint Sandbox Test Values

Fingerprint	Validation PIN
static_pin	`123456`

2FA

Two-factor authentication pins will not be sent out in sandbox

Bank Logins

Testing Bank Login Credentials in Sandbox

The following are sample bank login credentials that you can use to test out your bank login implementation.

Username	Password	MFA	Bank Name
test_good	test1234	again (to get multiple MFAs) or else test_answer	fake
synapse_good	test1234	again (to get multiple MFAs) or else test_answer	fake
synapse_good	test1234_one	again (to get multiple MFAs) or else test_answer	fake
synapse_good	test1234_checking	again (to get multiple MFAs) or else test_answer	fake
synapse_good	test1234_savings	again (to get multiple MFAs) or else test_answer	fake
synapse_good	test1234_random	again (to get multiple MFAs) or else test_answer	fake
synapse_nomfa	test1234	No multi-factor authentication ("MFA") is necessary	fake
synapse_code_mfa	test1234	123456	fake

Testing Login Sync Errors in Sandbox

When adding a new node, append any of these values to the end of the password. When doing a force_refresh on the node, it will trigger the corresponding error.

Appending “_needs_relink” to the password (e.g. “test1234_savings_needs_relink") will link a node that will return the 401/110 error message when you try doing a “force_refresh”. It falls in line with our current sandbox test values so you can add “_needs_relink” to the end of any of the passwords above.

HTTP_CODE	ERROR_CODE	Append to Password	Description
503	503	_sync_unavailable	Refresh unavailable
400	410	_sync_not_allowed	Refresh not allowed
401	110	_needs_relink	Bad credentials
500	500	_sync_unknown_error	Unknown refresh error

Subnets

Card Issuance Sandbox Test Values

Card Style	Value
card_style_id	660

Account/Routing (AC/RT) Numbers Sandbox Test Values

Account Number	Routing Number
Any Number between 5-25 digits *Please do not submit real account numbers in sandbox	Any Valid Routing Number

Micro-Deposit Test Values

If a bank account is added with AC/RT numbers, we automatically send micro-deposits to the user's external bank account for verification. Here are the micro-deposit values for sandbox:

Micro-Deposit Amount 1 (cUSD)	Micro-Deposit Amount 2 (cUSD)
10	10

Transactions

📘
Transactions in Dollars (USD)
Please note that the transaction amounts for the sandbox test values provided below are in dollars (USD).

ACH Transactions

Amount (USD)	Type ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌	Response	Locks the Node	Locks the User
222.22	`DEBIT`	R01 -- Insufficient Funds
222.23	`CREDIT`	R02 -- Account Closed	(receiving node locked in Sandbox)
222.24	`CREDIT-AND-DEBIT`	R03 -- No Account/Unable to Locate Account	(node locked depends on origin of ACH payment)
222.25	`CREDIT-AND-DEBIT`	R04 -- Invalid Account Number	(node locked depends on origin of ACH payment)
222.26	`CREDIT`	R06 -- Returned Per ODFI's Request
222.27	`DEBIT`	R07 -- Authorization Revoked by Customer
222.28	`DEBIT`	R08 -- Payment Stopped	(sending node locked)
222.29	`DEBIT`	R09 -- Uncollected Funds
222.30	`DEBIT`	R10 -- Customer Advises Not Authorized
222.31	`CREDIT-AND-DEBIT`	R11 -- Check Safekeeping Entry Return
222.32	`CREDIT-AND-DEBIT`	R12 -- Branch Sold To Another DFI	(node locked depends on origin of ACH payment)
222.33	`CREDIT`	R13 -- RDFI Not Qualified to Participate	(sending node locked)
222.34	`CREDIT-AND-DEBIT`	R14 -- Account Holder Deceased		(user locked depends on origin of ACH payment)
222.35	`CREDIT-AND-DEBIT`	R16 -- Account Frozen	(node locked depends on origin of ACH payment)
222.36	`CREDIT-AND-DEBIT`	R17 -- File Record Edit Criteria
222.37	`CREDIT-AND-DEBIT`	R20 -- Non-Transaction Account	(node locked depends on origin of ACH payment)
222.38	`CREDIT-AND-DEBIT`	R21 -- Invalid Company Identification
222.39	`CREDIT-AND-DEBIT`	R22 -- Invalid Individual ID Number
222.40	`CREDIT`	R23 -- Credit Refused by Receiver
222.41	`CREDIT-AND-DEBIT`	R24 -- Duplicate Entry
222.42	`DEBIT`	R29 -- Corporate Customer Advises Not Authorized		(sending user locked)
222.43	`CREDIT-AND-DEBIT`	R31 -- Permissible Return Entry
222.44	`CREDIT-AND-DEBIT`	R33 -- Return of XCK Entry
222.45	`CREDIT-AND-DEBIT`	R34 -- Limited participation DFI	(node locked depends on origin of ACH payment)

Card Transactions

Amount (USD)	Type ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌	Response
222.46	`DEBIT`	CR01 -- Transaction not approved; Possible NSF
222.47	`CREDIT-AND-DEBIT`	CR02 -- International transaction detected; This card does not have international transaction permissions
222.48	`DEBIT`	CR03 -- Transaction exceeds ATM or POS withdrawal limits
222.49	`DEBIT`	CR04 -- Invalid PIN attempted; Please try again or reset the pin
222.50	`CREDIT-AND-DEBIT`	CR05 -- Card status is in a state which does not allow for any transactions
222.51	`CREDIT-AND-DEBIT`	CR06 -- Invalid expiration date
222.52	`CREDIT-AND-DEBIT`	CR07 -- Transaction validation failed
222.53	`CREDIT-AND-DEBIT`	CR08 -- There is an issue with the card; please check the card
222.54	`CREDIT-AND-DEBIT`	CR09 -- There is an issue associated with the card deposit account of the card

Check Transactions

Amount (USD)	Type ‌‌ ‌‌ ‌‌ ‌‌ ‌‌	Response
223.12	`CREDIT`	CHR01 -- NSF – customer does not have sufficient funds to cover the item
223.13	`CREDIT`	CHR02 -- UCF – uncollected funds hold
223.14	`CREDIT`	CHR03 -- Stop payment – a stop payment has been placed on the item
223.15	`CREDIT`	CHR05 -- Closed account – the item’s account has been closed
223.16	`CREDIT`	CHR06 -- UTLA – unable to locate account
223.17	`CREDIT`	CHR07 -- Frozen/blocked account – account has restrictions placed by customer or bank
223.18	`CREDIT`	CHR08 -- Stale dated – the date on the item is more than 6 months old
223.19	`CREDIT`	CHR09 -- Post dated – the date on the item is in the future ‘I’ Endorsement missing
223.20	`CREDIT`	CHR10 -- Endorsement irregular
223.21	`CREDIT`	CHR11 -- Signature(s) missing
223.22	`CREDIT`	CHR12 -- Signature(s) irregular, suspected forgery
223.23	`CREDIT`	CHR13 -- Non-cash item (non negotiable)
223.24	`CREDIT`	CHR14 -- Altered/fictitious item/Suspected counterfeit/Counterfeit
223.25	`CREDIT`	CHR15 -- Unable to process
223.26	`CREDIT`	CHR16 -- Items exceeds stated max value
223.27	`CREDIT`	CHR17 -- Not authorized RCC
223.28	`CREDIT`	CHR18 -- Branch/account sold (Wrong Bank)
223.29	`CREDIT`	CHR19 -- Refer to Maker
223.30	`CREDIT`	CHR20 -- Item cannot be re-presented (exceeds allowable number of presentments
223.31	`CREDIT`	CHR21 -- unusable image
223.32	`CREDIT`	CHR22 -- Cannot determine amount
223.33	`CREDIT`	CHR23 -- Refer to image – return reason is contained within the image of the item
223.34	`CREDIT`	CHR24 -- Duplicate presentment
223.35	`CREDIT`	CHR25 -- Forgery – an affidavit shall be available upon request
223.36	`CREDIT`	CHR26 -- Warranty breach (includes Rule 8 & 9 claims)
223.37	`CREDIT`	CHR27 -- RCC warranty breach
223.38	`CREDIT`	CHR28 -- Forged and counterfeit warranty breach (Rule 9)
223.39	`CREDIT`	CHR29 -- Retired/ineligible routing number
223.40	`CREDIT`	CHR30 -- [ADMIN] Image Missing
223.41	`CREDIT`	CHR31 -- [ADMIN] Ineligible Item
223.42	`CREDIT`	CHR32 -- [ADMIN] Item cannot be re-presented (exceeds number of allowable times for presentment)
223.43	`CREDIT`	CHR33 -- [ADMIN] unusable image
223.44	`CREDIT`	CHR34 -- [ADMIN] Image fails security check
223.45	`CREDIT`	CHR35 -- [ADMIN] Duplicate presentment
223.46	`CREDIT`	CHR36 -- [ADMIN] Does not conform with ANS X9.100-181
223.47	`CREDIT`	CHR37 -- [ADMIN] Does not conform to the Industry’s Universal Companion Document
223.48	`CREDIT`	CHR38 -- [ADMIN] Warranty Breach (includes Rule 8 & Rule 9 claims)
223.49	`CREDIT`	CHR39 -- [ADMIN] RCC Warranty Breach (Rule 8)
223.50	`CREDIT`	CHR40 -- [ADMIN] Forged and Counterfeit Warranty Breach (Rule 9)
223.51	`CREDIT`	CHR41 -- [ADMIN] Retired/Ineligible Routing Number

Interchange Transactions

Amount (USD)	Type ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌	Response	Locks the Node	Locks the User
222.55	`CREDIT-AND-DEBIT`	IR05 -- Suspicious activity; do not honor this card's transactions	(node locked depends on origin of Interchange payment)
222.56	`CREDIT-AND-DEBIT`	IR14 -- Card number does not exist	(node locked depends on origin of Interchange payment)
222.57	`CREDIT-AND-DEBIT`	IR15 -- Card issuer does not exist	(node locked depends on origin of Interchange payment)
222.58	`CREDIT-AND-DEBIT`	IR17 -- Customer cancelled/reversed payment	(node locked depends on origin of Interchange payment)	(user locked depends on origin of Interchange payment)
222.59	`CREDIT-AND-DEBIT`	IR18 -- The customer reversed the transaction: chargeback	(node locked depends on origin of Interchange payment)
222.60	`CREDIT-AND-DEBIT`	IR33 -- Expired card, pick-up	(node locked depends on origin of Interchange payment)
222.61	`CREDIT-AND-DEBIT`	IR36 -- Restricted card, pick-up	(node locked depends on origin of Interchange payment)
222.62	`CREDIT-AND-DEBIT`	IR38 -- PIN tried too many times; request a new card or try again later	(node locked depends on origin of Interchange payment)
222.63	`CREDIT-AND-DEBIT`	IR41 -- Lost card: request a new card	(node locked depends on origin of Interchange payment)
222.64	`CREDIT-AND-DEBIT`	IR43 -- Stolen card: request a new card	(node locked depends on origin of Interchange payment)
222.65	`CREDIT-AND-DEBIT`	IR54 -- Card Expired: request a new card	(node locked depends on origin of Interchange payment)
222.66	`CREDIT-AND-DEBIT`	IR56 -- No record of the validity of the card
222.67	`CREDIT-AND-DEBIT`	IR57 -- Transaction not permitted to cardholder
222.68	`CREDIT-AND-DEBIT`	IR58 -- Transaction denied by acceptor(Potential chargeback detected)
222.69	`CREDIT-AND-DEBIT`	IR59 -- Suspected Fraud	(node locked depends on origin of Interchange payment)	(user locked depends on origin of Interchange payment)
222.70	`CREDIT-AND-DEBIT`	IR63 -- Card information compromised(Potential chargeback detected)
222.71	`CREDIT-AND-DEBIT`	IR66 -- Merchant must contact the card acquirer
222.72	`CREDIT-AND-DEBIT`	IR67 -- Hard capture
222.73	`CREDIT-AND-DEBIT`	IR75 -- Allowable number of PIN tries exceeded
222.74	`CREDIT-AND-DEBIT`	IR79 -- Invalid digital signature
222.75	`CREDIT-AND-DEBIT`	IR86 -- Cannot verify PIN
222.76	`CREDIT-AND-DEBIT`	IR88 -- Card information not on file
222.77	`CREDIT-AND-DEBIT`	IR89 -- Security code verification failed
222.78	`CREDIT-AND-DEBIT`	IR93 -- Transaction is in violation of the law and will not be completed
222.79	`CREDIT-AND-DEBIT`	IR132 -- Country of the card issuer is blocked by this merchant
222.80	`CREDIT-AND-DEBIT`	IR140 -- Card product code is blocked
222.81	`CREDIT-AND-DEBIT`	IR144 -- CARD_ID is not valid
222.82	`CREDIT-AND-DEBIT`	IR150 -- Transaction declined by merchant to security code mismatch
222.83	`CREDIT-AND-DEBIT`	IR151 -- Transaction not allowed as per a validation rule
222.84	`CREDIT-AND-DEBIT`	IR156 -- Fraudulent transaction prior to embossed valid date
222.85	`CREDIT-AND-DEBIT`	IR158 -- Allowable PAN entries warning -- approved
222.86	`CREDIT-AND-DEBIT`	IR160 -- Security code is invalid
222.87	`CREDIT-AND-DEBIT`	IR174 -- Item suspected for stop pay
222.88	`CREDIT-AND-DEBIT`	IR174 -- Item suspected for stop pay
222.89	`CREDIT-AND-DEBIT`	IR175 -- Account associated with card was closed
222.90	`CREDIT-AND-DEBIT`	IR176 -- Account associated with card is ineligible for the transaction
222.91	`CREDIT-AND-DEBIT`	IR178 -- No account associated with card on file
222.92	`CREDIT-AND-DEBIT`	IR179 -- Unable to locate card
222.93	`CREDIT-AND-DEBIT`	IR189 -- Bad security code
222.94	`CREDIT-AND-DEBIT`	IR190 -- Transaction ordered to be stopped
222.95	`CREDIT-AND-DEBIT`	IR191 -- Transaction authorization revoked"
222.96	`CREDIT-AND-DEBIT`	IR193 -- Card lost: do not honor
222.97	`CREDIT-AND-DEBIT`	IR194 -- Account associated with the card is closed
222.98	`DEBIT`	IR201 -- Incorrect Expiration date
222.99	`DEBIT`	IR202 -- Card declined due to an unknown reason
223.00	`DEBIT`	IR203 -- Card card declined due to unsupported card type
223.01	`DEBIT`	IR204 -- Card declined due to an unknown reason
223.02	`DEBIT`	IR205 -- Card declined due to an unknown Reason
223.03	`DEBIT`	IR206 -- Card transaction request has an unknown status

Sandbox Test Cards

Number	Network	Type of Card	Permission
9999999999999999 Expiration: `202412`	VISA	TEST	For testing duplicate card check functionality ONLY.
9401100999999992	VISA	DEBIT	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
9401101999999990	VISA	DEBIT	CREDIT
9401110999999991	VISA	DEBIT	DEBIT
9401113999999995	VISA	DEBIT	CREDIT-AND-DEBIT
9401200999999990	VISA	CREDIT	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
9401201999999998	VISA	CREDIT	CREDIT
9401210999999999	VISA	CREDIT	DEBIT
9401211999999997	VISA	CREDIT	CREDIT-AND-DEBIT
9401300999999998	VISA	PREPAID	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
9401301999999996	VISA	PREPAID	CREDIT
9401310999999997	VISA	PREPAID	DEBIT
9401311999999995	VISA	PREPAID	CREDIT-AND-DEBIT
9501100999999991	MASTERCARD	DEBIT	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
9951101999999994	MASTERCARD (MONEYSEND)	DEBIT	CREDIT
9501110999999990	MASTERCARD	DEBIT	DEBIT
9501200999999999	MASTERCARD	CREDIT	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
9951201999999992	MASTERCARD (MONEYSEND)	CREDIT	CREDIT
9501210999999998	MASTERCARD	CREDIT	DEBIT
9501300999999997	MASTERCARD	PREPAID	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
9951301999999990	MASTERCARD (MONEYSEND)	PREPAID	CREDIT
9501310999999996	MASTERCARD	PREPAID	DEBIT
9601220999999996	DISCOVER	CREDIT	DEBIT
9601210999999997	DISCOVER	CREDIT	DEBIT
9601200999999998	DISCOVER	CREDIT	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
9810203999999999	DISCOVER	CREDIT	CREDIT

Apple Pay Test Cards

Please note that this is a subset of the cards provided by Apple (under "Test Cards for Apps and the Web" here).

Apple Pay Test Card Number	Card Type	Card Processor	Node Status
5204247750001471	Debit	Mastercard	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
5204247750001505	Debit	Mastercard	CREDIT
5204247750001497	Debit	Mastercard	DEBIT
5204247750001489	Debit	Mastercard	CREDIT-AND-DEBIT
5204247750001463	Credit	Mastercard	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
5204245250001496	Credit	Mastercard	CREDIT
5204245250001512	Credit	Mastercard	DEBIT
5204245250001504	Credit	Mastercard	CREDIT-AND-DEBIT
5204245250001488	Prepaid	Mastercard	CREDIT-AND-DEBIT
5204245250001470	Prepaid	Mastercard	DEBIT
4761120010000492	Debit	Visa	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
4761349750010326	Debit	Visa	CREDIT
4761209980011439	Debit	Visa	DEBIT
4761262260004228	Debit	Visa	CREDIT-AND-DEBIT
4051069302200121	Credit	Visa	NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
4761369980320253	Credit	Visa	CREDIT
4622943120054839	Credit	Visa	DEBIT
4761229700150465	Credit	Visa	CREDIT-AND-DEBIT
4180620070230189	Prepaid	Visa	CREDIT-AND-DEBIT
4123400073320224	Prepaid	Visa	DEBIT

Wire Transactions

Amount	Type‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌ ‌‌	Description
22304	`DEBIT`	WR01 -- Return per customer request
22305	`DEBIT`	WR02 -- Return per platform request
22306	`CREDIT`	WR03 -- UTA - Account closed/frozen
22307	`CREDIT-AND-DEBIT`	WR04 -- UTA - Additional documents required
22308	`CREDIT-AND-DEBIT`	WR05 -- UTA - Country not allowed
22309	`CREDIT-AND-DEBIT`	WR06 -- UTA - Exceeds limits
22310	`CREDIT-AND-DEBIT`	WR07 -- UTA - Information mismatch
22311	`CREDIT-AND-DEBIT`	WR08 -- UTA - No Account/Unable to Locate Account

Synapse

Synapse Developer Hub

Sandbox Test Values

KYC

🚧
Real Identities and Documents

Base Documents

Addresses

Virtual Documents

Physical Documents

📘
Format

Social Documents

User Authentication

Device Fingerprint Sandbox Test Values

2FA

Bank Logins

Testing Bank Login Credentials in Sandbox

Testing Login Sync Errors in Sandbox

Subnets

Card Issuance Sandbox Test Values

Account/Routing (AC/RT) Numbers Sandbox Test Values

Micro-Deposit Test Values

Transactions

📘
Transactions in Dollars (USD)

ACH Transactions

Card Transactions

Check Transactions

Interchange Transactions

Sandbox Test Cards

Apple Pay Test Cards

Wire Transactions

Sandbox Test Values

Suggested Edits are limited on API Reference Pages

KYC

🚧Real Identities and Documents

Base Documents

Addresses

Virtual Documents

Physical Documents

📘Format

Social Documents

User Authentication

Device Fingerprint Sandbox Test Values

2FA

Bank Logins

Testing Bank Login Credentials in Sandbox

Testing Login Sync Errors in Sandbox

Subnets

Card Issuance Sandbox Test Values

Account/Routing (AC/RT) Numbers Sandbox Test Values

Micro-Deposit Test Values

Transactions

📘Transactions in Dollars (USD)

ACH Transactions

Card Transactions

Check Transactions

Interchange Transactions

Sandbox Test Cards

Apple Pay Test Cards

Wire Transactions

🚧
Real Identities and Documents

📘
Format

📘
Transactions in Dollars (USD)