Simulating payments

Simulating outgoing payment flows

When initiating payments in the Sandbox, most amounts will result in the payment being simulated as having been processed. There are some special amounts that you can use that will trigger a different outcomes for the payment.

The table below shows which amounts to use to trigger different outcome.

Note that reversed and returned payments have unique behaviors:

Reversed payments:
These correspond to payments that are returned before reaching the beneficiary bank. This could happen for example if the payment scheme rejects the payment, or if the payment fails to pass sanction screening. When simulating a reversed payment, the simulator will reverse the payment after 30 seconds.

Returned payments:

These correspond to payments that are received by the beneficiary bank, but are then sent back. To simulate a returned payment, initiate payment of 177 in any currency to an account in another institution. After 30 seconds, you will receive an incoming payment of 147. This is to simulate any fees that some banks would charge to return a payment.

Simulating incoming payments

The easiest way to simulate an incoming payment is to send a payment from one of your accounts to another. Your Sandbox account will be set up with two different companies to allow for that.

Payments within the same Company are labeled Own, while payments between different companies are labeled Outgoing on the sender's account and Incoming on the receiver's account.

To fully simulate an incoming payment, you must send a payment between two accounts with a different Company Owner .

It is not possible to simulate an incoming payment from other banks.