To confirm that your integration works correctly, simulate transfers without moving any money using special values in test mode. Use test API keys for all API calls in test mode.

Simulate an inbound transfer

Fintoc lets you simulate an inbound transfer through the API or dashboard. You can simulate an inbound transfer only for account numbers created in test mode. To review how to create an account number, see this example. Use the following example to simulate an inbound transfer of $1,020.00 MXN:

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 with an SDK

Use the Python or Node SDK to simulate an inbound transfer:

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 endpointEndpoints under /simulate/* simulate production behavior and are unavailable in live mode.

Test returning an inbound transfer

Use the amount of the simulated inbound transfer to test different return outcomes in test mode:

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

Test outbound transfers

Fintoc provides special test values for Mexico and Chile. When you create a test outbound transfer, you receive the same webhooks as in live mode.

Mexico 🇲🇽

Use one of the following standardized Mexican bank account numbers (CLABEs) to simulate a successful, failed, or returned outbound transfer:

Description	Counterparty
A regular `Transfer` succeeds if you have enough funds. Otherwise, you receive an `insufficient funds` error.	Account number: Any account number at a non-Fintoc institution. Examples of valid CLABEs: 012969100000000110 646969100000000214
A transfer fails because of external errors.	Account number: 012969100000000013
The recipient institution returns the transfer.	Account number: 012969100000000026

Chile 🇨🇱

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

Description	Counterparty
A regular `Transfer` succeeds if you have enough funds. Otherwise, you receive 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
A `Transfer` fails because of insufficient funds.	`holder_id`: 41579263-8 `holder_name`: Any name `account_number`: Any account number `type`: Any type `institution_id`: Any institution ID
A reversal returns the `Transfer`.	`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

Direct debit

Movements

Test your integration

Simulate an inbound transfer

Simulate with an SDK

Test returning an inbound transfer

Test outbound transfers

Mexico 🇲🇽

Chile 🇨🇱

​Simulate an inbound transfer

​Simulate with an SDK

​Test returning an inbound transfer

​Test outbound transfers

​Mexico 🇲🇽

​Chile 🇨🇱

Simulate an inbound transfer

Simulate with an SDK

Test returning an inbound transfer

Test outbound transfers

Mexico 🇲🇽

Chile 🇨🇱