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This guide assumes you have already created an account with test mode API keys.

While test mode is optional, we strongly suggest you try it out. When you sign up for Moov, you’ll receive access to a test account. To save you time, your test account is pre-populated with sample business details and accounts, and all capabilities have been automatically enabled for you to test:

• Transfers
• Wallet
• Send funds
• Collect funds

Use the sample data to simulate the flows you’ll use once you switch over to production mode. Make sure you’re in test mode by using the account switcher on the top left.

Invite team members

While in test mode, you can invite team members to your test account. Inviting team members to your test account does not enable them to use your production account. If you’d also like to invite team members to your production account, you will need to do that separately in production mode.

Transfers

Transfers in test mode won’t move any real money. For the timing of transfers in test mode, note that:

• Wallet to wallet transfers complete almost instantly.
• ACH transfers in test mode will complete in about an hour (see the processing speed guide for production mode).

To simulate card transfers and transfer scenarios, like disputes, use the test cards and other specific data listed in the following sections.

Link cards

Test cards must be added using the API or Moov Drops.

Before you can use test cards in transfer scenarios, you will have to link them to your test account. Enter any of the test card numbers, provide any 3 numbers for the CVV (4 for American Express), and enter any future date for the expiration. You can also use any postal code to satisfy the required billing postal code field.

Name verification

Moov uses Visa’s ANI verification as a check against the supplied holder name when linking a card. You can test the various results by entering the following combinations of correct and incorrect names in the holder name field when linking a test card with the API.

Correct name: Alex Nora Irwin

If ANI is not supported, you’ll receive unavailable for all results.

Card acceptance

Test card numbers can be used to simulate card transfers:

RTP

To simulate an RTP transfer in test mode, create a transfer with Moov Wallet as the source payment method and RTP Credit as the destination. The RTP Credit payment method will only appear for bank accounts with routing numbers that are RTP eligible.

Use 021000021 as an RTP-enabled routing number in test mode.

You can also simulate various RTP failures and rejections by using these specific amounts listed below in your test mode transfers. Using these amounts will result in real time failures. Please note that these failures will result in the linked bank account entering an errored state.

Push to card & pull from card

Use the test cards in the table below to simulate the following:

• Push to card transfer generating Fast funds payment method
• Pull from card transfer generating Supported payment method

The expiration date can be any future date. CVV can be any 3 numbers for Visa and Mastercard.

ACH returns

You can simulate a few ACH return scenarios during different transfer stages. To simulate a specific return type, input one of the return amounts listed below in the Amount modal. For example, if you want to simulate insufficient funds, enter $55.01.

A return will be only triggered if the transfer type (for example, wallet-to-bank) is applicable to the particular return scenario and amount entered. For example, an R01 in test mode always occurs on the debit leg, after the transfer stage of debit origination. Accordingly, an R01 return cannot be triggered on a wallet-to-bank transfer, as that transfer type only consists of a credit leg. Creating a return scenario that does not apply to a corresponding transfer type will result in a regular test transfer, not a test return.

Once you have created a transfer with an appropriate return code, Moov will update the transfer to Failed or Reversed based on the transfer stage (see ACH returns and exceptions for more information). The bank account status will also be updated accordingly.

The ACH returns and exceptions guide also includes the full ACH return code list.

Declined card transfers

To simulate a declined Card payment transfer, use the following card numbers when creating a test transfer. The Expiration date field for all test cards can be set to any future date.

Disputes

To simulate disputes, use the card numbers below when creating a transfer. The expiration date can be any future date. CVV can be any 4 numbers for Amex and any 3 numbers for all other card brands.

To simulate winning or losing a dispute, you can upload winning or losing text evidence (if you submit file evidence, the dispute status will remain Under review).

The following outcomes can be simulated by entering winning or losing text evidence:

Bank accounts

We’ve already added test bank accounts on your behalf. If you’d like to add an additional test bank account, or you did not create an account through the Dashboard, you must include a valid routing number. For example: 322271627

The account number can be any number, for example: 12345654321

Micro-deposit verification

To simulate an instant micro-deposit verification in test mode, enter 0001 as the instant verification code.

To simulate traditional micro-deposit verification in test mode, enter 0 for both amounts and the bank account verification will succeed. If you input any other amount, the bank account verification will not complete.