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 in test mode.

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. Here are some examples of valid standardized Mexican bank account numbers (CLABEs) you can use: 012969100000000110 646969100000000214
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 RUT `holder_name`: Any name `account_number`: Any account number `type`: Any type `institution_id`: Any institution id
Failed `Transfer` due to insufficient funds.	`holder_id`: 41579263-8 `holder_name`: Any name `account_number`: Any account number `type`: Any type `institution_id`: Any institution id
Returned `Transfer` due to a reversal by the Automated Clearing House (CCA).	`holder_id`: 40427672-7 `holder_name`: Any name `account_number`: Any account number `type`: Any type `institution_id`: Any institution id

Home

Resources

Payments

Transfers

Movements

Test your integration

Simulate an inbound transfer

Test returning an inbound transfer

Test outbound transfers

Mexico 🇲🇽

Chile 🇨🇱

​Simulate an inbound transfer

​Test returning an inbound transfer

​Test outbound transfers

​Mexico 🇲🇽

​Chile 🇨🇱

Simulate an inbound transfer

Test returning an inbound transfer

Test outbound transfers

Mexico 🇲🇽

Chile 🇨🇱