To confirm that your integration works correctly, simulate transfers without moving any money using special values in test mode. Use test API Keys in all API calls whenever you work with the test mode.

Simulate an inbound transfer

Fintoc lets you simulate an inbound transfer through our API or Dashboard. You can simulate an inbound transfer only for account numbers created in test mode. To refresh on creating account numbers, take a look at this example. To simulate an inbound transfer of $1,020.00 MXN, you can use the following example:

Bash

curl --request POST \
	--url 'https://api.fintoc.com/v2/simulate/receive-transfer' \
  --header 'Authorization: sk_test_9c8d8CeyBTx1VcJzuDgpm4H' \
  -d account_number_id=<acno_id> \
  -d amount=102000 \
  -d currency='mxn'

Simulate using our SDK

If you are using our Python SDK, you can simulate receiving a transfer like this:

transfer = client.v2.simulate.receive_transfer(
    amount=9912400,
    currency="mxn",
    account_number_id="acno_2vF18OHZdXXxPJTLJ5qghpo1pdU",
)

Node

const simTransfer = await fintoc.v2.simulate.receiveTransfer({
    account_number_id: 'acno_2wguZyhW0ilO9AUGSWQQ7HvuXpj',
    amount: 58145,
    currency: 'mxn'
});

Simulate endpointAny endpoint in the /simulate/* routes are used for simulating production behaviors and will NOT be available in live mode.

Test returning an inbound transfer

Depending on the amount of your simulated inbound transfer, you can test out different outcomes of returning a transfer in test mode.

Return Outcome	Inbound transfer `amount`
Transfer returned successfully	Any amount
Failed return	99.99 MXN

Test outbound transfers

Fintoc provides test special values for Mexico and Chile to simulate transfers. When you create a test outbound transfer you will receive webhooks as you would normally receive in live mode.

Mexico 🇲🇽

To simulate a successful or returned outbound transfer, you can use one of the following counterparties.

Description	Counterparty
Regular `Transfer` flow. If you have enough funds, it will be successful. Otherwise you will get an “insufficient funds” error.	Account Number: Any account number to non Fintoc institution. Here are some examples of valid 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, it will be successful. Otherwise you will get 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 CCA reversal.	`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 your integration

Simulate an inbound transfer

Simulate using our SDK

Test returning an inbound transfer

Test outbound transfers

Mexico 🇲🇽

Chile 🇨🇱

​Simulate an inbound transfer

​Simulate using our SDK

​Test returning an inbound transfer

​Test outbound transfers

​Mexico 🇲🇽

​Chile 🇨🇱

Simulate an inbound transfer

Simulate using our SDK

Test returning an inbound transfer

Test outbound transfers

Mexico 🇲🇽

Chile 🇨🇱