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
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
2222
Validation Successful
Any other value
Validation Fails
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.
data:image/invalid;base64,SUQs==
Validation Fails
Any other value
Validation Successful
EMAIL_2FA and PHONE_NUMBER_2FA
123456
Validation Succesful
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
static_pin
123456
2FA
Two-factor authentication pins will not be sent out in sandbox
Bank Logins
Testing Bank Login Credentials in Sandbox
Following are the sample bank login credentials that you can use to test out your bank login implementation.
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.
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.
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 out micro-deposits to the user's external bank account for verification. Here are the micro-deposit values for sandbox:
0.10
0.10
22222
DEBIT
R01 -- Insufficient Funds
22223
CREDIT
R02 -- Account Closed
22224
CREDIT-AND-DEBIT
R03 -- No Account/Unable to Locate Account
22225
CREDIT-AND-DEBIT
R04 -- Invalid Account Number
22226
CREDIT
R06 -- Returned Per ODFI's Request
22227
DEBIT
R07 -- Authorization Revoked by Customer
22228
DEBIT
R08 -- Payment Stopped
22229
DEBIT
R09 -- Uncollected Funds
22230
DEBIT
R10 -- Customer Advises Not Authorized
22231
CREDIT-AND-DEBIT
R11 -- Check Safekeeping Entry Return
22232
CREDIT-AND-DEBIT
R12 -- Branch Sold To Another DFI
22233
CREDIT
R13 -- RDFI Not Qualified to Participate
22234
CREDIT-AND-DEBIT
R14 -- Account Holder Deceased
22235
CREDIT-AND-DEBIT
R16 -- Account Frozen
22236
CREDIT-AND-DEBIT
R17 -- File Record Edit Criteria
22237
CREDIT-AND-DEBIT
R20 -- Non-Transaction Account
22238
CREDIT-AND-DEBIT
R21 -- Invalid Company Identification
22239
CREDIT-AND-DEBIT
R22 -- Invalid Individual ID Number
22240
CREDIT
R23 -- Credit Refused by Receiver
22241
CREDIT-AND-DEBIT
R24 -- Duplicate Entry
22242
DEBIT
R29 -- Corporate Customer Advises Not Authorized
22243
CREDIT-AND-DEBIT
R31 -- Permissible Return Entry
22244
CREDIT-AND-DEBIT
R33 -- Return of XCK Entry
22245
CREDIT-AND-DEBIT
R34 -- Limited participation DFI
22246
DEBIT
CR01 -- Transaction not approved; Possible NSF
22247
CREDIT-AND-DEBIT
CR02 -- International transaction detected; This card does not have international transaction permissions
22248
DEBIT
CR03 -- Transaction exceeds ATM or POS withdrawal limits
2249
DEBIT
CR04 -- Invalid PIN attempted; Please try again or reset the pin
22250
CREDIT-AND-DEBIT
CR05 -- Card status is in a state which does not allow for any transactions
22251
CREDIT-AND-DEBIT
CR06 -- Invalid expiration date
22252
CREDIT-AND-DEBIT
CR07 -- Transaction validation failed
22253
CREDIT-AND-DEBIT
CR08 -- There is an issue with the card; please check the card
22254
CREDIT-AND-DEBIT
CR09 -- There is an issue associated with the card deposit account of the card
22312
CREDIT
CHR01 -- NSF – customer does not have sufficient funds to cover the item
22313
CREDIT
CHR02 -- UCF – uncollected funds hold
22314
CREDIT
CHR03 -- Stop payment – a stop payment has been placed on the item
22315
CREDIT
CHR05 -- Closed account – the item’s account has been closed
22316
CREDIT
CHR06 -- UTLA – unable to locate account
22317
CREDIT
CHR07 -- Frozen/blocked account – account has restrictions placed by customer or bank
22318
CREDIT
CHR08 -- Stale dated – the date on the item is more than 6 months old
22319
CREDIT
CHR09 -- Post dated – the date on the item is in the future ‘I’ Endorsement missing
22320
CREDIT
CHR10 -- Endorsement irregular
22321
CREDIT
CHR11 -- Signature(s) missing
22322
CREDIT
CHR12 -- Signature(s) irregular, suspected forgery
22323
CREDIT
CHR13 -- Non-cash item (non negotiable)
22324
CREDIT
CHR14 -- Altered/fictitious item/Suspected counterfeit/Counterfeit
22325
CREDIT
CHR15 -- Unable to process
22326
CREDIT
CHR16 -- Items exceeds stated max value
22327
CREDIT
CHR17 -- Not authorized RCC
22328
CREDIT
CHR18 -- Branch/account sold (Wrong Bank)
22329
CREDIT
CHR19 -- Refer to Maker
22330
CREDIT
CHR20 -- Item cannot be re-presented (exceeds allowable number of presentments
22331
CREDIT
CHR21 -- unusable image
22332
CREDIT
CHR22 -- Cannot determine amount
22333
CREDIT
CHR23 -- Refer to image – return reason is contained within the image of the item
22334
CREDIT
CHR24 -- Duplicate presentment
22335
CREDIT
CHR25 -- Forgery – an affidavit shall be available upon request
22336
CREDIT
CHR26 -- Warranty breach (includes Rule 8 & 9 claims)
22337
CREDIT
CHR27 -- RCC warranty breach
22338
CREDIT
CHR28 -- Forged and counterfeit warranty breach (Rule 9)
22339
CREDIT
CHR29 -- Retired/ineligible routing number
22340
CREDIT
CHR30 -- [ADMIN] Image Missing
22341
CREDIT
CHR31 -- [ADMIN] Ineligible Item
22342
CREDIT
CHR32 -- [ADMIN] Item cannot be re-presented (exceeds number of allowable times for presentment)
22343
CREDIT
CHR33 -- [ADMIN] unusable image
22344
CREDIT
CHR34 -- [ADMIN] Image fails security check
22345
CREDIT
CHR35 -- [ADMIN] Duplicate presentment
22346
CREDIT
CHR36 -- [ADMIN] Does not conform with ANS X9.100-181
22347
CREDIT
CHR37 -- [ADMIN] Does not conform to the Industry’s Universal Companion Document
22348
CREDIT
CHR38 -- [ADMIN] Warranty Breach (includes Rule 8 & Rule 9 claims)
22349
CREDIT
CHR39 -- [ADMIN] RCC Warranty Breach (Rule 8)
22350
CREDIT
CHR40 -- [ADMIN] Forged and Counterfeit Warranty Breach (Rule 9)
22351
CREDIT
CHR41 -- [ADMIN] Retired/Ineligible Routing Number
22255
CREDIT-AND-DEBIT
IR05 -- Suspicious activity; do not honor this card's transactions
22256
CREDIT-AND-DEBIT
IR14 -- Card number does not exist
22257
CREDIT-AND-DEBIT
IR15 -- Card issuer does not exist
22258
CREDIT-AND-DEBIT
IR17 -- Customer cancelled/reversed payment
22259
CREDIT-AND-DEBIT
IR18 -- The customer reversed the transaction: chargeback
22260
CREDIT-AND-DEBIT
IR33 -- Expired card, pick-up
22261
CREDIT-AND-DEBIT
IR36 -- Restricted card, pick-up
22262
CREDIT-AND-DEBIT
IR38 -- PIN tried too many times; request a new card or try again later
22263
CREDIT-AND-DEBIT
IR41 -- Lost card: request a new card
22264
CREDIT-AND-DEBIT
IR43 -- Stolen card: request a new card
22265
CREDIT-AND-DEBIT
IR54 -- Card Expired: request a new card
22266
CREDIT-AND-DEBIT
IR56 -- No record of the validity of the card
22267
CREDIT-AND-DEBIT
IR57 -- Transaction not permitted to cardholder
22268
CREDIT-AND-DEBIT
IR58 -- Transaction denied by acceptor(Potential chargeback detected)
22269
CREDIT-AND-DEBIT
IR59 -- Suspected Fraud
22270
CREDIT-AND-DEBIT
IR63 -- Card information compromised(Potential chargeback detected)
22271
CREDIT-AND-DEBIT
IR66 -- Merchant must contact the card acquirer
22272
CREDIT-AND-DEBIT
IR67 -- Hard capture
22273
CREDIT-AND-DEBIT
IR75 -- Allowable number of PIN tries exceeded
22274
CREDIT-AND-DEBIT
IR79 -- Invalid digital signature
22275
CREDIT-AND-DEBIT
IR86 -- Cannot verify PIN
22276
CREDIT-AND-DEBIT
IR88 -- Card information not on file
22277
CREDIT-AND-DEBIT
IR89 -- Security code verification failed
22278
CREDIT-AND-DEBIT
IR93 -- Transaction is in violation of the law and will not be completed
22279
CREDIT-AND-DEBIT
IR132 -- Country of the card issuer is blocked by this merchant
22280
CREDIT-AND-DEBIT
IR140 -- Card product code is blocked
22281
CREDIT-AND-DEBIT
IR144 -- CARD_ID is not valid
22282
CREDIT-AND-DEBIT
IR150 -- Transaction declined by merchant to security code mismatch
22283
CREDIT-AND-DEBIT
IR151 -- Transaction not allowed as per a validation rule
22284
CREDIT-AND-DEBIT
IR156 -- Fraudulent transaction prior to embossed valid date
22285
CREDIT-AND-DEBIT
IR158 -- Allowable PAN entries warning -- approved
22286
CREDIT-AND-DEBIT
IR160 -- Security code is invalid
22287
CREDIT-AND-DEBIT
IR174 -- Item suspected for stop pay
22288
CREDIT-AND-DEBIT
IR174 -- Item suspected for stop pay
22289
CREDIT-AND-DEBIT
IR175 -- Account associated with card was closed
22290
CREDIT-AND-DEBIT
IR176 -- Account associated with card is ineligible for the transaction
22291
CREDIT-AND-DEBIT
IR178 -- No account associated with card on file
22292
CREDIT-AND-DEBIT
IR179 -- Unable to locate card
22293
CREDIT-AND-DEBIT
IR189 -- Bad security code
22294
CREDIT-AND-DEBIT
IR190 -- Transaction ordered to be stopped
22295
CREDIT-AND-DEBIT
IR191 -- Transaction authorization revoked"
22296
CREDIT-AND-DEBIT
IR193 -- Card lost: do not honor
22297
CREDIT-AND-DEBIT
IR194 -- Account associated with the card is closed
22298
DEBIT
IR201 -- Incorrect Expiration date
22299
DEBIT
IR202 -- Card declined due to an unknown reason
22300
DEBIT
IR203 -- Card card declined due to unsupported card type
22301
DEBIT
IR204 -- Card declined due to an unknown reason
22302
DEBIT
IR205 -- Card declined due to an unknown Reason
22303
DEBIT
IR206 -- Card transaction request has an unknown status
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
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).
349956959041362
Credit
Amex
DEBIT
349956153891398
Credit
Amex
NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
349956310256071
Prepaid
Amex
DEBIT
349956286652212
Prepaid
Amex
NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
6011000994462780
Debit
Discover
NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
6011000994589319
Debit
Discover
CREDIT
6011000994754889
Debit
Discover
DEBIT
6011000995029935
Debit
Discover
CREDIT-AND-DEBIT
6011000995489295
Credit
Discover
NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)
6011000995512914
Credit
Discover
CREDIT
6011000995561499
Credit
Discover
DEBIT
6011000995577610
Credit
Discover
CREDIT-AND-DEBIT
6011000996065037
Prepaid
Discover
CREDIT-AND-DEBIT
6011000996318741
Prepaid
Discover
DEBIT
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
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