Test transfers

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 only use account numbers created in test mode. To create an account number, see Create an account number. Simulate an inbound transfer with the API or an SDK. The following example simulates a 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 simulated inbound transfer’s amount 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 counterparty test values 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 different outbound transfer outcomes, use one of the following counterparties:

Scenario	Counterparty test values
Regular `Transfer` flow. If you have enough funds, the transfer succeeds. Otherwise, the API returns an insufficient funds error.	`account_number`: Any account number at a non-Fintoc institution. You can use these standardized Mexican bank account numbers (CLABEs): 012969100000000110 646969100000000214
External errors cause the `Transfer` to fail.	`account_number`: 012969100000000013
The recipient institution returns the `Transfer`.	`account_number`: 012969100000000026

Chile 🇨🇱

Use one of the following counterparties to simulate transfers in Chile:

Scenario	Counterparty test values
Regular `Transfer` flow. If you have enough funds, the transfer succeeds. Otherwise, the API returns an insufficient funds error.	`holder_id`: Any valid Chilean tax ID (RUT) `holder_name`: Any name `account_number`: Any account number `type`: Any type `institution_id`: Any institution ID
Insufficient funds cause the `Transfer` to fail.	`holder_id`: 41579263-8 `holder_name`: Any name `account_number`: Any account number `type`: Any type `institution_id`: Any institution ID
The Centro de Compensación Automatizado returns the `Transfer`.	`holder_id`: 40427672-7 `holder_name`: Any name `account_number`: Any account number `type`: Any type `institution_id`: Any institution ID

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Test transfers

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 🇨🇱