Test the APIs
Introduction
In this page, you will learn how to use our test banks (FinBanks) and test payroll provider (FinPayroll). You will get access to a wide variety of profiles and data to test different types of use case scenarios.
Test profiles are enabled by starting a Connect session and by logging in with specific customer credentials. To understand how to create customers and Connect links, we recommend you read the Quick Start Guide first.
Partners can enroll up to 100 testing customers, with up to 20 accounts per testing customer.
Sign-In Authentication Profiles
Use these profiles to test different authentication and error scenarios when adding customer accounts. The discovery and activation responses can contain several different multi-factor authentication (MFA) challenge questions, depending on the customer’s sign-in information.
Steps:
- 3
Search for Finbank
- 4
Select any bank
- 5
When asked for a username and password, use user IDs and passwords from the table below
| Banking UserId | Banking Password | MFA Type | Expected Behavior |
|---|---|---|---|
| demo | go | (none) | Success |
| demo | 123, 125, 127, 128 or 130 | (none) | Fails with the error code used for “Banking Password” |
| invalid_user | go | (none) | Returns “Error 103: Invalid Credentials” |
| tfa_text | go | Text-based MFA | If the answer to the MFA challenge is “mfa”, then the response is another MFA challenge. |
| tfa_image | go | Image captcha | Any MFA answer is accepted. |
| tfa_choice | go | Multiple text options | If the answer to the MFA challenge is fail, the call fails with code 187 (Invalid MFA). [MFA example] |
| tfa_multi | go | Same as MFA with image choice (style 1) | Any MFA answer is accepted. |
| demo | imagechoice | MFA with image choice (style 1) | Any MFA answer is accepted. |
| demo | imagechoice2 | MFA with image choice (style 2) | Any MFA answer is accepted. |
| discovertimeout | go | (none) | Calls to “Add All Accounts” and “Discover Accounts” will take more than 180 seconds, for testing the client app’s asynchronous handling. |
| activatedtimeout | go | (none) | Calls to “Refresh Customer Accounts” and “Accounts” and “Load Historic Transactions” will take more than 180 seconds to test the app’s asynchronous handling. |
Bank Account Profiles
Bank account profiles consist of various combinations of account types, such as checking, savings, 401k, and more.
We will use here FinBank Profiles – A and FinBank Profiles – B. Both function the same, this way you can test scenarios where one customer has two accounts located at a different bank.
Steps:
- 3
Search for FinBank Profiles – A or FinBank Profiles – B
- 4
When asked for a username and password, use user IDs and passwords from the table below
Note about profiles:
- Profiles 2-8 were created from real financial institution data, but without personal identification information (PII)
- Profiles 2-9 are for general testing of our product
| Banking UserId | Banking Password | Account Types | Supported Products |
|---|---|---|---|
| (any) | profile_02 | Savings, IRA, 401k, Credit Card | ach, aha, state_agg, trans_agg, voa, voi |
| (any) | profile_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners) | ach, aha, state_agg, trans_agg, voa, voi |
| (any) | profile_04 | Checking, 403B, 529, Rollover, Mortgage | ach, aha, state_agg, trans_agg, voa, voi |
| (any) | profile_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners) | ach, aha, state_agg, trans_agg, voa, voi |
| (any) | profile_06 | Checking, Retirement, KEOGH, 457, Credit Card | ach, aha, state_agg, trans_agg, voa, voi |
| (any) | profile_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock | ach, aha, state_agg, trans_agg, voa, voi |
| (any) | profile_08 | Checking, Primary Savings, Money Market, 401A, Line of credit | ach, aha, state_agg, trans_agg, voa, voi |
| (any) | profile_09 | Checking, Savings, Checking Failed Report. Errors returned in the report include 102, 103, 185. | ach, voa (failed report), voi (failed report) |
OAuth Connection Profiles
The profiles below are convenient to test OAuth connections between Finicity and financial institutions who have set up direct connections.
You must register for FinBank OAuth to gain access to the OAuth Connection profiles. Contact your account manager to help you get registered.
Steps:
- 3
Search for FinBank OAuth
- 4
When asked for a username and password, use user IDs and passwords from the table below
| Banking UserId | Banking Password | Account Types | Supported Products |
|---|---|---|---|
| profile_02 | profile_02 | Savings, IRA, 401k, Credit Card | ach, aha, state_agg, trans_agg, voa, voi |
| profile_03 | profile_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners) | ach, aha, state_agg, trans_agg, voa, voi |
| profile_04 | profile_04 | Checking, 403B, 529, Rollover, Mortgage | ach, aha, state_agg, trans_agg, voa, voi |
| profile_05 | profile_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners) | ach, aha, state_agg, trans_agg, voa, voi |
| profile_06 | profile_06 | Checking, Retirement, KEOGH, 457, Credit Card | ach, aha, state_agg, trans_agg, voa, voi |
| profile_07 | profile_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock | ach, aha, state_agg, trans_agg, voa, voi |
| profile_08 | profile_08 | Checking, Primary Savings, Money Market, 401A, Line of credit | ach, aha, state_agg, trans_agg, voa, voi |
| profile_09 | profile_09 | Checking, Savings, Checking Failed Report. Errors returned in the report include 102, 103, 185. | ach, voa (failed report), voi (failed report) |
Payroll Profiles
Use these profiles to test products that contain payroll data. For that:
- 1
Create a consumer with the SSN and DOB from the table below
- 2
Use the same SSN and DOB in the payroll products/APIs
| Borrower Name | SSN | DOB (MM-DD-YYYY) | Description |
|---|---|---|---|
| Homer Loanseeke | 999601111 | 07-04-1970 | 1 active employment; salary, base |
| Jess Sea | 999001147 | 07-05-1980 | 1 active employment; salary, base |
| Ann Sea | 999009066 | 07-06-1986 | 1 active employment; commission only |
| Suzi Builder | 999606666 | 07-07-1995 | 2 active employments; salary, base + overtime |
| Alice Firstimer | 991919991 | 12-27-1992 | 1 active employment; salary, base + overtime |
| Lorraine Purchaser | 999565678 | 05-02-1985 | 1 active employment; hourly, base |
| Patrick Purchaser | 999121234 | 09-09-1987 | 1 active employment; hourly, base |
| Andy Freddie | 990300003 | 08-06-1990 | 1 active employment; salary, base + bonus + overtime + commissions, 1 terminated employment |
| Dan Freddie | 991000010 | 08-02-1970 | 1 active employment; salary, base + bonus |
| Patrick Freddie | 990500005 | 08-09-1980 | 1 active employment; base, semi-monthly, salary |
| Amy Freddie | 990400004 | 08-07-1980 | 1 active employment; base + bonus, bi-weekly, salary |
| Suzi Freddie | 990700007 | 08-06-1990 | 2 active employments; base; semi-monthly, monthly |
| Mom Freddie | 990110011 | 08-04-1970 | 2 active employments; base + bonus + overtime + commissions, bi-weekly |
| Alice Freddie | 990080008 | 08-05-1990 | 1 terminated employment; base, semi-monthly |
| John Freddie | 990100001 | 08-01-1970 | 1 active employment w/ payroll; base + bonus + commission + overtime + weekly. Child support, military, VA benefits, alimony.
Note: Only base, bonus, commission, and overtime are on the payroll report. |
| Nomoni Freddie | 123456788 | 01-01-2000 | No payroll data (test 404 error) |
| Nomula Frannie | 123456787 | 01-01-2000 | No payroll data (test 404 error) |
Paystub Profiles
To test our APIs that use paystub data, click “Download ⤓” links in the table below and download some of the test paystubs.
For products that use digitized paystub data to compare against the customer’s deposited payroll transactions, follow the following steps:
- 3
Search for FinBank Profiles – A
- 4
When asked for a username and password, use user IDs and passwords from the table below
| Borrower Name | Banking UserId / Banking Password | Description | Paystub |
|---|---|---|---|
| Jess Sea | profile_2513 | 1 active employment; salary, base | Download ⤓ |
| Ann Sea | profile_2514 | 1 active employment; commission only | Download ⤓ |
| Alice Firstimer | proflle_1019 | 1 active employment; salary, base + overtime | Download ⤓ |
| Lorraine Purchaser | profile_1020 | 1 active employment; hourly, base | Download ⤓ |
| Patrick Purchaser | profile_1021 | 1 active employment; hourly, base | Download ⤓ |
| David Burton | profile_1027 | 1 active employment; split direct deposit | Download ⤓ |
| Andy Miller | profile_1018 | 1 active employment; salary, base | Download ⤓ |
| Andy Freddie | profile_2511 | 1 active employment; salary, base + bonus + overtime + commissions | Download ⤓ |
| Dan Freddie | profile_540 | 1 active employment; salary, base + bonus | Download ⤓ |
| Suzi Freddie | profile_2512 | 2 active employments; base; semi-monthly, monthly | Download ⤓ |
MVS Profiles
Use information in the table below to test the MVS Financial, Payroll, and Paystub apps altogether in one Connect session or test them individually in a single Connect session.
Steps:
- 3
Search for FinBank Profiles – A
- 4
When asked for a username and password, use user IDs and passwords from the table below
- 5
Create a consumer with the SSN and DOB from the table below
- 6
Use the same SSN and DOB in the payroll products/APIs
- 7
Click “Download ⤓” links to download the test paystubs
| MVS Test Profiles and GSEs | Borrower Information | Banking UserId / Banking Password | Pay Data | |||||
|---|---|---|---|---|---|---|---|---|
| Profile Number | Description | GSE | Name | SSN | DOB (MM-DD-YYYY) | Paystub | Payroll | |
| MVS-1 FR1 |
1 active employment w/payroll; salary, base | Fannie | Homer Loanseeker | 999601111 | 07-04-1970 | profile_2509 | (n/a) | √ |
| MVS-1 FPR2 |
1 active employment w/payroll or paystub; salary, base | Fannie | Jess Sea | 999001147 | 07-05-1980 | profile_2513 | Download ⤓ | √ |
| MVS-1 FPR3 |
1 employment w/payroll or paystub; commission only | Fannie | Ann Sea | 999009066 | 07-06-1986 | proflle_2514 | Download ⤓ | √ |
| MVS-1 FR4 |
2 active employment w/payroll; salary, base + overtime | Fannie | Suzi Builder | 999606666 | 07-07-1995 | profile_2510 | (n/a) | √ |
| MVS-1 FPR5 |
1 active employment w/payroll or paystub; salary, base + overtime | Fannie | Alice Firstimer | 991919991 | 12-27-1992 | profile_1019 | Download ⤓ | √ |
| MVS-1 FPR6 |
1 active employment w/payroll or paystub; hourly, base | Fannie | Lorraine Purchaser | 999565678 | 05-02-1985 | profile_1020 | Download ⤓ | √ |
| MVS-1 FPR7 |
1 active employment w/payroll or paystub; hourly, base | Fannie | Patrick Purchaser | 999121234 | 09-09-1987 | profile_1021 | Download ⤓ | √ |
| MVS-1 FP8 |
1 active employment w/paystub; split direct deposit | David Burton | 444556666 | 05-04-1980 | profile_1027 | Download ⤓ | – | |
| MVS-1 FP9 |
1 active employment w/payroll or paystub; salary, base | Andy Miller | 881110010 | 05-05-1980 | profile_1018 | Download ⤓ | – | |
| MVS-2 FPR10 |
1 active employment w/payroll or paystub; salary, base + bonus + overtime + commissions.
1 terminated employment w/payroll |
Freddie | Andy Freddie | 990300003 | 08-06-1990 | profile_2511 | Download ⤓ | √ |
| MVS-2 FPR11 |
1 active employment w/payroll or paystub; base + bonus | Freddie | Dad Freddie | 991000010 | 08-02-1970 | profile_540 | Download ⤓ | √ |
| MVS-2 R12 |
1 active employment w/payroll; base, semi-monthly, salary | Freddie | Patrick Freddie | 990500005 | 08-09-1980 | (n/a) | (n/a) | √ |
| MVS-2 R13 |
1 active employment w/payroll; base + bonus, bi-weekly, salary | Freddie | Amy Freddie | 990400004 | 08-07-1980 | (n/a) | (n/a) | √ |
| MVS-2 FPR14 |
2 active employments w/payroll or paystub; base, semi-monthly, monthly | Freddie | Suzi Freddie | 990700007 | 08-06-1990 | profile_2512 | Download ⤓ | √ |
| MVS-2 R15 |
2 active employments w/ payroll; base + bonus + overtime + commissions, bi-weekly | Freddie | Mom Freddie | 990110011 | 08-04-1970 | (n/a) | (n/a) | √ |
| MVS-2 R16 |
1 terminated employment w/payroll; base, semi-monthly | Freddie | Alice Freddie | 990080008 | 08-05-1990 | (n/a) | (n/a) | √ |
| MVS-2 FR17 |
1 active employment w/payroll; base + bonus + overtime, weekly, commissions, child support, military, VA benefits, and alimony.
Note: Only base, bonus, overtime, and commissions are on the payroll report. |
Freddie | John Freddie | 990100001 | 08-01-1970 | profile_2260 | (n/a) | √ |
| MVS-2 R18 |
No payroll (test 404 error) | Fannie | Nomula Frannie | 123456787 | 01-01-2000 | (n/a) | (n/a) | – |
| MVS-2 R19 |
No payroll (test 404 error) | Freddie | Nomoni Freddie | 123456788 | 01-01-2000 | (n/a) | (n/a) | – |
See also: