# Test mode

Simulate account and transfer scenarios on Moov’s platform without using real money.

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](/guides/accounts/capabilities/) have been satisfied, so they are automatically enabled for you. You'll have full access to the following capabilities:

- [Transfers](/guides/accounts/capabilities/enablement/#transfers)
- [Wallet](/guides/accounts/capabilities/enablement/#wallet)
- [Send funds](/guides/accounts/capabilities/enablement/#send-funds)
- [Collect funds](/guides/accounts/capabilities/enablement/#collect-funds)

While you don't need to request capabilities for test mode, for [production mode](/guides/get-started/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.

## [Switch to test mode](#switch-to-test-mode)

After you've 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** dropdown in the upper left hand corner.

![Toggle for test account in Moov Dashboard](../../shared-images/mode-toggle.png)

## [Invite team members](#invite-team-members)

While in test mode, you can [invite team members](/guides/dashboard/settings/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](#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.

You can use localhost, ngrok, Netlify, or Vercel domains for these keys.

## [Transfers](#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](/guides/money-movement/accept-payments/ach/ach-processing-speeds/) guide for production mode)

If you would like to see how Moov handles failures in production, view the [transfer failures](/guides/money-movement/events-and-statuses/) guide.

American Express transfers need to be a minimum of $1. In production mode, American Express transfers less than $1 will result in an error.

## [Test mode data](#test-mode-data)

To simulate card transfers, disputes, ACH returns, RTP failures, bank account verification, and other transfer scenarios, use the test cards, amounts, and routing numbers in the test mode data reference.

[Test mode data  
\
A complete reference of test cards, amounts, and routing numbers for simulating transfer scenarios.](/guides/developer-tools/test-data/)