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Test mode

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. The samples provide examples of the kind of information you’ll needed once you switch over to production mode.

Mode switching

After you have completed your business profile and Moov has approved your production account, you can switch between production and test mode in the Moov Dashboard by using the Account drop down in the upper left hand corner.

Test mode data

Moov has pre-populated your test account with sample business details and accounts. You aren’t required to enter anything for your test account to receive the verified status. In test mode, requirements for all capabilities have been satisfied, so they are automatically enabled for you. You’ll have full access to the following capabilities:

• Transfers
• Wallet
• Send funds
• Collect funds

While you don’t need to request capabilities for test mode, for production mode, you’ll need to request capabilities. You can do this at the same time you create your account, or request additional capabilities later.

Invite team members

Use the account switcher in the Moov Dashboard to switch to test mode. 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.

API keys

You will need to create an API key specific to the test account. We suggest naming the API key something that will help you remember that it’s for testing purposes.

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)

If you would like to see how Moov handles failures in production, view the transfer failures guide.

Micro-deposits

To simulate micro-deposits in test mode, input the amount $0.00 and the bank account verification will succeed. If you input any other amount, the bank account verification will not complete.

Bank accounts

We’ve already added sample payment methods for you in test mode, including bank accounts and cards. If you’d like to add an additional test bank account, you must include a valid routing number. For example:

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322271627

The account number can be any number, for example:

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12345654321

Returns

You can simulate a few ACH return scenarios during different transfer stages. To see any of the return scenarios in action, create a new test transfer in the Moov Dashboard. In the Amount input in the Create test transfer modal, enter the return amount of the return type you want to simulate (listed below).

If you would prefer to use the API to simulate a return, you can trigger the ACH returns in test mode by entering any of the return codes as the value.

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{
  "amount": {
    "currency": "USD",
    "value": 5501
  },
  "facilitatorFee": {
    "total": 0,
  }
}

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.

Plaid

To test linking bank accounts with Plaid, simply pass env: "sandbox" into the payload in the Moov.js initialization. You can pass in any token as the processor token and Moov will link default account data that looks like the following:

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  RoutingNumber: "011401533",
  AccountNumber: "1111222233330000",
  AccountType:   "checking",
  Mask:          "0000"

Cards

For simulating card transfers, we only support specific test cards. The expiration date field for all test cards can be set to any future date.

Use the following card numbers in test mode:

To simulate a declined transaction, use the following card number:

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4000020000000000 

The expiration date can be any future date, and the CVV can be any 3 numbers.