Test mode

Once you’re signed up with Moov, you’ll be set up with both a production account and a test account. The test account lets you interact with our platform without having to send real money. Moov has pre-populated your test account with sample business details and accounts to save you time and provide examples of what kind of information you’ll need to provide once you switch over to production mode.

After 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 of the Dashboard.

Toggle for test account in Moov Dashboard


Moov has pre-populated your test account with business details so you don’t have to enter anything for your test account to receive the verified status.

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.

Create API key for test account modal in Moov Dashboard


Transfers in test mode won’t move any real money. For the timing of transfers in sandbox 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)

There are not currently any simulated failed or reversed failures in test mode.


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:


The account number can be any number, for example:



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:

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


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:

Card brand Test card number CVV
Visa 4111 1111 1111 1111 Any 3 numbers
Mastercard 5555 5555 5555 4444 Any 3 numbers
Discover 6011 1111 1111 1117 Any 3 numbers
Amex 3711 1111 1111 114 Any 4 numbers

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

4000 0200 0000 0000 

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

Switching to production mode

In order to successfully switch from test mode to production mode, you will need to complete your business profile. After verifying your business profile information and ensuring you have a signed contract in place, Moov will grant your account production access.