Testing Your Integration

Finix offers numerous ways to test your Sandbox integration. Use the values below to test your integration. We encourage you to test these scenarios before running transactions in your Live environment.

Testing Transactions

The testing scenarios below are for testing payment transactions. These include Transfers, Authorizations, Payment Instrument responses, and more.

Testing Card Type

Use the following card numbers to trigger the respective card_type. Provide the amount in cents.

Card Type	Card Number	Brand
`CREDIT`	`6011000000004675`	Discover
`DEBIT`	`5200820000007201`	Mastercard
`HSA_FSA`	`4393420000002680`	Visa
`NON_RELOADABLE_PREPAID`	`5223100000008423`	Mastercard
`RELOADABLE_PREPAID`	`379032000006086`	American Express
`UNKNOWN`	`386214000009097`	Discover

Testing Transaction Failures and Disputes

Pass one of the following amount values to trigger the respective payment failure. Once a Payment Instrument is flagged with an AVS or CVV failure, it will continue to return that error. Provide the amount in cents.

Amount	Description
`102`	Declined amount
`103`	Canceled amount
`888888`	Disputed amount
`193`	Insufficient funds amount
`194`	Invalid card number amount
`889986`	AVS total failure amount
`889987`	CVC failure amount

For more details about address and CVV verification, see the Risk Rules and Card Checks guide.

Testing Name Verification

Use the following sentinel values to simulate name verification results on DUMMY_V1. If none are provided, all fields in name_verification_results return UNKNOWN. Sentinel values are not case-sensitive.

Direct Name Verification

You can perform name verification using the PUT /payment_instruments/{payment_instrument_id_verify} endpoint. Select the "Name Verification" example.

Use the first_name and last_name fields in name_verification_details to trigger a specific result. All four fields in name_verification_results return the same value.

`first_name`	`last_name`	`name_verification_results`
`Billy`	`NameVerification`	`MATCH`
`Joey`	`NameVerification`	`NO_MATCH`
`Sarah`	`NameVerification`	`PARTIAL_MATCH`
`Amanda`	`NameVerification`	`NOT_SUPPORTED`

Testing Failure Codes

Use the following card numbers to test failure codes. Provide the amount in cents.

Failure Code	Card Number	Brand
`GENERIC_DECLINE`	`4000000000009979`	Visa
`GENERIC_DECLINE`	`378282246310005`	American Express
`GENERIC_DECLINE`	`5555555555554444`	Mastercard
`GENERIC_DECLINE`	`6011111111111117`	Discover
`CALL_ISSUER`	`4012888888881881`	Visa
`CARD_NOT_ACTIVATED_OR_BLOCKED`	`4539148803436467`	Visa
`DO_NOT_HONOR`	`4000000000000002`	Visa
`EXCEEDS_APPROVAL_LIMIT`	`4000000000009995`	Visa
`EXPIRED_CARD`	`4000000000009987`	Visa
`FRAUD_DETECTED_BY_FINIX`	`4129054449449482`	Visa
`FRAUD_DETECTED_BY_ISSUER`	`4783512839773883`	Visa
`INSUFFICIENT_FUNDS`	`4000000000000069`	Visa
`INVALID_CARD_NUMBER_OR_EXPIRED_CARD`	`4544206329536898`	Visa
`INVALID_CVV`	`4000056655665556`	Visa
`ISSUER_POLICY_VIOLATION`	`4709247730212712`	Visa
`LOST_OR_STOLEN_CARD`	`4000000000000127`	Visa
`PICK_UP_CARD`	`4000000000000119`	Visa
`RESTRICTED_CARD`	`4242424242424242`	Visa

Testing Network Tokens

Use the following card numbers to set a specific network_token_state. By default, any valid card number enabled for network tokens returns an ACTIVE state. Provide the amount in cents.

`Payment Instrument` › `network_token_state`	Card Number
`CLOSED`	`4181126552690790`
`FAILED`	`4281168227567010`
`SUSPENDED`	`4220706972789265`

Testing Account Updater

Use the following card numbers to test account updater responses. Provide the amount in cents.

Account Update Type	Brand	Initial card number	Initial expiration (M/Y)	New number	New expiration (M/Y)
`CLOSED_CARD`	Visa	`4402087389579601`	`1/2030`	-	-
`CONTACT_CARDHOLDER`	Visa	`4349990631704016`	`1/2030`	-	-
`EXPIRATION_UPDATED`	Visa	`4208862673740549`	`1/2030`	`4307730606824385`	`1/2040`
`FRAUD_REPORTED`	American Express	`340452801563455`	`1/2030`	-	-
`INACTIVE_MERCHANT`	American Express	`3403470175812488`	`1/2030`	-	-
`NO_TRANSACTIONAL_ACTIVITY`	American Express	`3019542985188444`	`1/2030`	-	-
`NOT_FOUND`	Visa	`4543267787982264`	`1/2030`	-	-
`NUMBER_AND_EXPIRATION_UPDATED`	Visa	`4496772882855767`	`1/2030`	`4887005601746919`	`3/2040`
`NUMBER_AND_EXPIRATION_UPDATED`	Mastercard	`5103504002919260`	`1/2030`	`5213076676875406`	`11/2040`
`NUMBER_AND_EXPIRATION_UPDATED`	American Express	`3883494643244974`	`1/2030`	`3969967933006770`	`08/2040`
`NUMBER_AND_EXPIRATION_UPDATED`	Discover	`6588849539088200`	`1/2030`	`6011174500160749`	`12/2040`
`NUMBER_AND_EXPIRATION_UPDATED`	Visa	`4496772882855767`	`1/2030`	`4887005601746919`	`3/2040`
`NUMBER_UPDATED`	Visa	`4036161292637501`	`1/2030`	`4649777215746100`	`4/2040`

Testing Refunds

Use the following card numbers to test refunds. Provide the amount in cents.

State	Card Number	Brand
`FAILED`	`4000000000000135`	Visa

Testing Bank Account Validations

Use these specific bank codes and account numbers to test bank account validations. Provide the amount in cents.

Bank Account Validation Check	Bank Code	Account Number
`VALID`	`122105278`	`0000000016`
`INVALID`	`122105278`	`0000000005`
`INCONCLUSIVE`	`121000358`	`123123128`

Testing ACH Returns

Use the following bank details to trigger the respective ACH Return Code. Provide the amount in cents.

ACH Return Code	Failure Code	Failure Message	Bank Details
R01: Insufficient Funds	`INSUFFICIENT_FUNDS`	The account has insufficient funds for the transaction. The account holder needs to use another method of payment.	Bank Code: `122105278` Account Number: `123120006`
R02: Account is Closed	`BANK_ACCOUNT_CLOSED`	The bank account has been closed. Contact the account owner and get another method of payment that's active.	Bank Code: `122105278` Account Number: `123120007`
R03: No account on file	`NO_BANK_ACCOUNT_FOUND`	The account number is valid; however, the number doesn't correspond to the account holder or it's not an open account. The account holder needs to reenter their information with the correct details.	Bank Code: `122105278` Account Number: `123120008`
R04: Invalid Account Number	`INVALID_BANK_ACCOUNT_NUMBER`	The bank account number is not valid. The account holder needs to use a valid account number.	Bank Code: `122105278` Account Number: `123120009`