Sandbox Test Values

Sample values that can be used while developing on sandbox.

Address
Result

123 Fail Address, Fail City, FS 00000

Supplied address is invalid / Unable to verify address

1 Market Street, San Francisco, CA 94105

Validation is successful

Virtual Document

The last 4 digits of your virtual document must be one of the following values (ex: SSN = 777772222).

Note that you cannot verify real identities and document information in sandbox.

document_value
Result

1111 or any other value

Validation Fails (i.e. identity-related information is a complete fail).

2222

Validation is successful.

Physical Document

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.

document_value
Result

data:image/invalid;base64,SUQs==

Validation Fails (i.e. identity-related information is a complete fail).

Any other

Validation is successful.

Social Document

document_value
Result
Document Type

Validation Fails (i.e. identity related information is a complete fail).

FACEBOOK

Validation Fails (i.e. identity related information is a complete fail).

LINKEDIN

Validation Fails (i.e. identity related information is a complete fail).

TWITTER

Validation Fails (i.e. identity related information is a complete fail).

EMAIL (supplied via base doc)

255.255.255.0

Validation Fails (i.e. identity related information is a complete fail).

IP (supplied via base doc)

541-754-3010

Validation Fails (i.e. identity related information is a complete fail).

PHONE_NUMBER (supplied via base doc)

123456

Validation Succeeds during SUBMITTED|MFA_PENDING

EMAIL_2FA and PHONE_NUMBER_2FA

Register New Fingerprint

Normally when registering a new fingerprint, a random PIN is sent to the specified 2FA device. For testing purposes, it is convenient to know the PIN without checking the 2FA device. If you use this fingerprint the API will always accept the pre-programmed validation PIN.

fingerprint
validation_pin

static_pin

"123456"

Bank Login Credentials

You can use the following bank login credentials to test out your bank login implementation. Bank login nodes will always have a balance of $800 (type string).

Username
Password
MFA
Bank Name
Response

synapse_good

test1234

again (to get multiple MFAs) or else test_answer

fake

Returns only 1 checking and 1 savings account.

synapse_good

test1234_one

again (to get multiple MFAs) or else test_answer

fake

Returns only 1 checking and 1 savings account.

synapse_good

test1234_checking

again (to get multiple MFAs) or else test_answer

fake

Returns only checking accounts between 1-10.

synapse_good

test1234_savings

again (to get multiple MFAs) or else test_answer

fake

Returns only checking accounts between 1-10.

synapse_good

test1234_random

again (to get multiple MFAs) or else test_answer

fake

Returns only checking & savings accounts between 1-10.

synapse_nomfa

test1234

again (to get multiple MFAs) or else test_answer

fake

Returns only 1 checking and 1 savings account.

synapse_code_mfa

test1234

123456

fake

Returns only 1 checking and 1 savings account.

Bank Logins - Syncing Errors

Below are the credentials and possible status codes when bank logins are unable to sync:

Username
Bank Name
HTTP_CODE
ERROR_CODE

synapse_no_accounts

fake

402

460

synapse_bank_request

fake

402

500

synapse_maintenance

fake

503

503

Bank Logins - Force Refresh

When submitting a new bank login, append any of these values to the end of the password. When doing a force_refresh on the node, it will trigger the corresponding responses:

Append to Password
Description

_sync_balance_higher

added to the end of a password for a balance between $800-1500 when synced

_sync_balance_lower

added to the end of a password for a balance between $10-50 when synced

Card Processing (Interchange)

You can use these sample card numbers to test your Card Processing implementation.

Card Number
Type
Merchant
Status

9401100999999992

DEBIT

VISA

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9401101999999990

DEBIT

VISA

CREDIT

9401110999999991

DEBIT

VISA

DEBIT

9401113999999995

DEBIT

VISA

CREDIT-AND-DEBIT

9401201999999998

CREDIT

VISA

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9401210999999999

CREDIT

VISA

CREDIT

9401211999999997

CREDIT

VISA

DEBIT

9401200999999990

CREDIT

VISA

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9401300999999998

PREPAID

VISA

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9401301999999996

PREPAID

VISA

CREDIT

9401310999999997

PREPAID

VISA

DEBIT

9401311999999995

PREPAID

VISA

CREDIT-AND-DEBIT

9021100999999992

DEBIT

DISCOVER

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9021101999999990

DEBIT

DISCOVER

CREDIT

9021110999999991

DEBIT

DISCOVER

DEBIT

9021111999999999

DEBIT

DISCOVER

CREDIT-AND-DEBIT

9021200999999990

CREDIT

DISCOVER

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9021201999999998

CREDIT

DISCOVER

CREDIT

9021210999999999

CREDIT

DISCOVER

DEBIT

9021211999999997

CREDIT

DISCOVER

CREDIT-AND-DEBIT

9021300999999998

PREPAID

DISCOVER

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9021301999999996

PREPAID

DISCOVER

CREDIT

9021310999999997

PREPAID

DISCOVER

DEBIT

9021311999999995

PREPAID

DISCOVER

CREDIT-AND-DEBIT

9501100999999991

DEBIT

MASTERCARD

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9501101999999999

DEBIT

MASTERCARD

CREDIT

9501110999999990

DEBIT

MASTERCARD

DEBIT

9501111999999998

DEBIT

MASTERCARD

CREDIT-AND-DEBIT

9501200999999999

CREDIT

MASTERCARD

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9501201999999997

CREDIT

MASTERCARD

CREDIT

9501210999999998

CREDIT

MASTERCARD

DEBIT

9501211999999996

CREDIT

MASTERCARD

CREDIT-AND-DEBIT

9501300999999997

PREPAID

MASTERCARD

NONE (which means both credits and debits have been disabled by cardholder. So adding this card would fail.)

9501301999999995

PREPAID

MASTERCARD

CREDIT

9501310999999996

PREPAID

MASTERCARD

DEBIT

9501311999999994

PREPAID

MASTERCARD

CREDIT-AND-DEBIT

Micro-Deposit Verification

If a bank account is added with account / routing numbers (instead of online banking logins), we automatically send out micro-deposits to the user's bank account to verify the account. Here are the micro-deposit values for sandbox:

Micro-deposit amount1
Micro-deposit amount 2

.10

.10

Transaction Returns

These returns are for ACH-US type nodes only. Please remember, in practice ACH returns do not occur in real-time.

RequestBin is an excellent tool to help you test out Webhooks for these scenarios.

ACH Transactions

Amount
Type
Response

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

Card Transactions

Amount
Type
Response

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

Check Transactions

Amount
Type
Response

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

Interchange Transactions

Amount
Type
Response

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

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

ACH Transaction Cancellations

RequestBin is an excellent tool to help you test out Webhooks for these scenarios.

Amount
Cancellation

111.11

C10-A -- Please collect ACH auth on sender & then resubmit payment.

111.12

C46 -- Sender not authorized to make transactions.

111.13

C47 -- Receiver not authorized to make transactions.

111.14

C48 -- Sender on screenings list.

111.15

C49 -- Receiver on screenings list.

111.16

C50 -- Unable to process the transaction (reason undisclosed).

Account and Routing Numbers

Any valid routing number and 5-digit account number will work in Sandbox.

Routing Number
Bank

322271627

Chase

Sandbox Test Values


Sample values that can be used while developing on sandbox.

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