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.

Payment Request

{
  "amount": "15.00",
  "currency": "USD",
  "card": {
    "nameOnCard": "Christina Chan",
    "cardNumber": "4000000000000077",
    "expirationMonth": "03",
    "expirationYear": "2019",
    "securityCode": "123"
  },
  "personalContact": {
   "email": "cchan@paystand.com"
  }
}

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)

Payment Request (ACH)

{
  "amount": "15.00",
  "currency": "USD",
  "bank": {
    "accountNumber": "000123456789",
    "routingNumber": "110000000",
    "country": "USA",
    "currency": "USD"
  },
  "personalContact": {
   "email": "cchan@paystand.com"
  }
}

Payment Request (EFT)

{
  "amount": "15.00",
  "currency": "CAD",
  "bank": {
    "accountNumber": "000123456789",
    "routingNumber": "11000-000",
    "country": "CAN",
    "currency": "CAD"
  },
  "personalContact": {
   "email": "cchan@paystand.com"
  }
}

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:

Micro-deposits

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

Amounts Notes
["32", "45"] Will successfully verify
Any other amounts other than ["32", "45"] Verification will fail

Successful Verification

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

Failed Verification

{
  "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

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