Testing Procedures

Here you will find detailed procedures on how to test all functionality and scenarios, in addition to the differences between our environments

Our test sandbox offers all the functionality of our production environment, without processing live transactions.

Environments

The URL in which you use to call our API or launch CONNECT will determine what environment the data will be pulled from/saved to. The credentials that you use must match the environment you are connecting to. Test credentials will not work when loading from a production URL, and production credentials will not work on testing and dev URLs. When connected to the test environment, data is separated from production.

Live Connections within the Test Environment

By default, all services within the test environment are simulated. Bank login attempts will not actually connect to a bank or verify a password; BankVERIFY+, BankLOGIN+, and other verification services will not perform live verifications - the data returned will be generic sample data.

When you are ready, we can make any of these services connect with live data, while remaining in the test environment. When this option is set, you can log into real bank accounts and receive close to real verifications. While in the test environment, the verification data returned may be skewed from production as the data in the test environment may not be as clean. Depending on the terms of your agreement, you may be charged for live service transactions performed inside the test environment.

To check if any of your applications are utilizing live connections, look at the application (under API or CONNECT on the left side menu).

Testing in Production

TEST ROUTING NUMBER

642260020

Any transaction with this routing number will act as a simulated verification, regardless of the environment.

BankQUALIFY

By default, BankQUALIFY is simulated. You can enter any routing/account number to get a successful (accept) result
After you have tested our simulated responses, contact us to enable live verifications from within our test environment.

To receive a specific result, use any valid routing number and an account number below.
Enter any number of digits from 5 to 17, as long as they are all the same digit. For example, for all 1's, you can use 11111, 1111111, etc.

All 0's	Decline
All 1's	Accept

Testing in Production

When moving to production, sometimes it is necessary to run a test transaction in the production environment to ensure that everything is set up correctly and will work once launched.
Provide BankQUALIFY with a routing number of 642260020 to run a test transaction. Any transaction with this routing number will act as a simulated verification, regardless of the environment.

BankVERIFY+

By default, BankVERIFY+ is simulated. You can enter any routing/account number to get a successful (A1) result
After you have tested our simulated responses, contact us to enable live verifications from within our test environment.

To receive Recommended Action Codes other than A1, use any valid routing number and an account number below.
Enter any number of digits from 5 to 17, as long as they are all the same digit. For example, for all 1's, you can use 11111, 1111111, etc.

All 0's	D1: Decline - Very High Risk and/or Negative History
All 1's	A1: Best - Strong Positive History
All 2's	A2: Good - Stable, Positive but Some Negative History
All 3's	A3: OK - Limited Bank History
All 4's	A4: Flagged - Higher Risk Account and/or Recent Negative History

Testing in Production

When moving to production, sometimes it is necessary to run a test transaction in the production environment to ensure that everything is set up correctly and will work once launched.
Provide BankVERIFY+ with a routing number of 642260020 to run a test transaction. Any transaction with this routing number will act as a simulated verification, regardless of the environment.

BankLOGIN and CONNECT Widget

By default, bank login services are simulated. You can provide any username/password combination to get a successful result.
After you have tested our simulated responses, contact us to connect to live bank accounts from within our test environment.

To test login scenarios and alternate flows, use any username and a password below.

Any password used, other than those listed below, will return a successful response.

Passwords for failed verifications

risk	BankLOGIN+ has declined the account due to excessive risk

Passwords for testing multi-factor authentication

question	Multi-Factor Authentication: Question The customer's bank requires a question to be answered before successful login. The bank will choose the question, and the question will be displayed along with a text input box. The bank may require multiple questions. When a question is answered incorrectly, the bank will determine the next steps. The bank may choose to repeat the question, ask a new question, or fail the login attempt.
code	Multi-Factor Authentication: Code Verification The customer's bank requires a special code to continue. This may be in the form of a SMS, phone call, e-mail, token, or other security measure. For most banks, the user will be prompted on how they would like to enter their code (such as receive a SMS, a call, or an e-mail), and then will be prompted to enter that code. The bank will determine the next steps after the answer is provided. For testing, choose any delivery method, and then enter a code of 0000
multiple	Multi-Factor Authentication: Question and Real-Time Verification The customer will be asked a question (see question), followed by a code verification (see code)
choices	Multi-Factor Authentication: Multiple Choice The customer's bank requires a multiple-choice question to be answered. The bank will determine the next steps after the answer is provided.
image	Multi-Factor Authentication: Image Verification The customer's bank requires an image verification before successful login. The user will be prompted with a question, an image, and a textbox to enter their answer. The bank will then determine the next steps.
multiimage	Multi-Factor Authentication: Question with Image Answers The customer's bank requires a question to be answered before successful login. The bank will choose the question, and the question will be displayed along with multiple choice images. The bank may require multiple questions. When a question is answered incorrectly, the bank will determine the next steps. The bank may choose to repeat the question, ask a new question, or fail the login attempt.
imagequestion	Multi-Factor Authentication: Image Questions The customer's bank requires a question to be answered before successful login. The user will be prompted with a question and image and will have multiple-choice images to select their answer. The bank may require multiple questions. When a question is answered incorrectly, the bank will determine the next steps. The bank may choose to repeat the question, ask a new question, or fail the login attempt.
captcha	Multi-Factor Authentication: CAPTCHA image verification The user will be prompted with a captcha image, where they must respond by typing in the letters/numbers that they see in the image. The bank will then determine the next steps.

Passwords for testing alternate flows

password	Invalid password
fail	The bank login process will fail
prompt	The bank will require additional verification steps from the user custom message from the bank
timeout	The account is locked for 5 minutes
empty	There are no eligible accounts

AffordAI® Report

The AffordAI® API has an optional "simulate" JSON parameter, which is available in all environments. Simply declare "simulate" with the error code you would like to return. Find more details about testing and a full list of error codes in the API Documentation.

Note that AffordAI® simulation is independent of—and works with—both simulated and live BankLOGIN+ version 2.0 results.

Developer Docs

Testing Procedures

Our test sandbox offers all the functionality of our production environment, without processing live transactions.

Environments

Live Connections within the Test Environment

Testing in Production

642260020

BankQUALIFY

Testing in Production

BankVERIFY+

Testing in Production

BankLOGIN and CONNECT Widget

AffordAI® Report