Test your integration
Simulate transfers to test your integration.
To confirm that your integration works correctly, simulate transfers without moving any money using test amounts and counterparty account numbers in test mode.
Use test API keys for every API call in test mode.
Simulate an inbound transfer
Fintoc lets you simulate an inbound transfer through the API or the dashboard. You can simulate an inbound transfer only for account numbers created in test mode. To create an account number, see Create an account number.
Simulate receiving a transfer with the API or an SDK. To simulate an inbound transfer of $1,020.00 MXN, replace YOUR_ACCOUNT_NUMBER_ID with an account number created in test mode:
curl --request POST \
--url 'https://api.fintoc.com/v2/simulate/receive_transfer' \
--header 'Authorization: YOUR_TEST_SECRET_KEY' \
-d account_number_id=YOUR_ACCOUNT_NUMBER_ID \
-d amount=102000 \
-d currency='mxn'const simTransfer = await fintoc.v2.simulate.receiveTransfer({
account_number_id: 'YOUR_ACCOUNT_NUMBER_ID',
amount: 102000,
currency: 'mxn'
});transfer = client.v2.simulate.receive_transfer(
amount=102000,
currency="mxn",
account_number_id="YOUR_ACCOUNT_NUMBER_ID",
){
"id": "tr_2vF18OHZdXXxPJTLJ5qghpo1pdU",
"object": "transfer",
"account_number": {
"id": "acno_2vF18OHZdXXxPJTLJ5qghpo1pdU",
"object": "account_number",
"account_id": "acc_000000000000000000",
"created_at": "2026-06-23T12:00:00.000Z",
"description": "Payins",
"metadata": {},
"mode": "test",
"number": "000000000000000000"
},
"amount": 102000,
"comment": "Test inbound transfer",
"counterparty": {
"account_number": "000000000000000001",
"account_type": "clabe",
"holder_id": "AAA010101AAA",
"holder_name": "Test Customer 1",
"institution": {
"id": "mx_banco_bbva",
"country": "mx",
"name": "BBVA Mexico"
}
},
"currency": "mxn",
"direction": "inbound",
"metadata": {},
"mode": "test",
"post_date": "2026-06-23T00:00:00.000Z",
"receipt_url": "https://www.banxico.org.mx/cep/example",
"reference_id": "000000",
"return_reason": null,
"status": "succeeded",
"tracking_key": "TEST0000000000000001",
"transaction_date": "2026-06-23T12:00:00.000Z"
}
Simulate endpointThe
/simulate/*endpoints simulate production behavior and are available only intestmode.
Test returning an inbound transfer
The amount of your simulated inbound transfer determines the return outcome in test mode:
| Return outcome | Inbound transfer amount (smallest currency unit) |
|---|---|
| Transfer returned successfully | Any value except 9999 |
| Failed return | 9999 (99.99 MXN) |
Test outbound transfers
Fintoc provides test amounts and counterparty account numbers for Mexico and Chile to simulate transfer outcomes. When you create a test outbound transfer, you receive the same webhooks you receive in live mode.
Mexico 🇲🇽
To simulate a successful or returned outbound transfer, use one of the following counterparties:
| Description | Counterparty |
|---|---|
Regular Transfer flow. If you have enough funds, the transfer succeeds. Otherwise the API returns an insufficient funds error. | Account Number: Any account number to a non-Fintoc institution. 012969100000000110 |
| Failed transfer due to external errors. | Account Number: 012969100000000013 |
| Returned transfer triggered by recipient institution. | Account Number: 012969100000000026 |
Chile 🇨🇱
Use one of the following counterparties to simulate transfers in Chile:
| Description | Counterparty |
|---|---|
Regular Transfer flow. If you have enough funds, the transfer succeeds. Otherwise the API returns an insufficient funds error. | holder_id: Any valid RUTholder_name: Any nameaccount_number: Any account numbertype: Any typeinstitution_id: Any institution id |
Failed Transfer due to insufficient funds. | holder_id: 41579263-8holder_name: Any nameaccount_number: Any account numbertype: Any typeinstitution_id: Any institution id |
Returned Transfer due to a reversal by the Automated Clearing House (CCA). | holder_id: 40427672-7holder_name: Any nameaccount_number: Any account numbertype: Any typeinstitution_id: Any institution id |