Test the APIs

Prerequisites

We allow you to test all our APIs in a live environment, using a wide variety of test profiles we’ve created to test all types of use case scenarios. We’ve also created FinBanks and FinPayroll, which is our mockup banks and payroll provider so that you can simulate testing against live financial institutions (FIs) and payroll providers. We add new data to each of them daily so that test data is always updated and available.

The following test capabilities are for developers to test the functionality, reliability, performance, and security of all your own products using any of our profiles.

  • Test up to 100 testing customers per client
  • Test up to 20 testing accounts per testing customer

Test Profiles

Test Sign-In Authentication

Use these profiles to test different authentication and error scenarios when adding customer accounts at any FinBank. The discovery and activation responses can contain several different multi-factor authentication (MFA) challenge questions, depending on the customer’s sign-in information.

All profiles accept any text response for the MFA answers with the exception of the following:

Usernames:

    • tfa_txt
    • tfa_choice

See the Testing Details column in the Test Sign In Authentication table for their acceptable MFA answers.

Test Sign in Authentication 

Username

Password

MFA Type

Testing Details

demo

go

 

 

demo

Codes:

123,125,127,

128, or 130

 

Service will fail with the error code given in the password.

invalid_user

go

 

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

 

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)

 

demo

imagechoice

MFA with image choice
(style 1)

 

demo

imagechoice2

MFA with image choice

(style 2)

 

discovertimeout

go

 

Calls to Add All Accounts and Discover Accounts will take more than 180 seconds, for testing the client app’s asynchronous handling.

activatedtimeout

go

 

Calls to Refresh Customer Accounts and Accounts and Load Historic Transactions for
Customer Account
take more than
180 seconds to test the app’s asynchronous handling.

Test Bank Accounts

FinBank A (ID 102105) and FinBank B (ID 102168) contain profiles to test all products, using bank account data.

The profiles consist of various combinations of account types, such as checking, savings, 401k, and more. Both FinBanks function the same, so you can test scenarios where one customer has two accounts but they’re each located at a different bank.

Test Profiles:

    • Profiles 2-9 are for general testing of our products.
    • Profiles 2-8 were created from real FI data, but without personal identification information (PII).

Test Bank Accounts

 

 

Username

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 TaxDeferred, 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)

Test OAuth Connections

Use to test OAuth connections between Finicity and our other partner-client’s financial institutions who have set up direct connections. You must register for FinBank OAuth to gain access to the Test OAuth Connection profiles.

Note: Contact our sales engineers (SEs) to help you get registered.

Test the Connect app and Connect Pop-up window at OAuth FIs using different profile scenarios.

  1. On the Connect app page, enter Finbank.
  2. Select FinBank OAuth.
  3. Enter the profile’s username and password.

FinBank—OAuth Profiles

Username

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)

Test Payroll

Use these profiles to test products that contain payroll data. To ensure your payroll testing is successful, do the following:

  1. Create a consumer with the same SSN and DOB as found in one of the profiles.
  2. Use the same SSN and DOB in the payroll products.

Payroll Test Profiles

 

 

 

Description

Borrower Name

SSN

DOB (mm-dd-yyyy)

1 active employment; salary, base

Homer Loanseeke

999601111

07-04-1970

1active employment; salary, base

Jess Sea

999001147

07-05-1980

1 active employment; commission only

Ann Sea

999009066

07-060-1986

2 active employments; salary, base + overtime

Suzi Builder

999606666

07-07-1995

1 active employment; salary, base + overtime

Alice Firstimer

991919991

12-27-1992

1 active employment; hourly, base

Lorraine Purchaser

999565678

05-02-1985

1 active employment; hourly, base

Patrick Purchaser

999121234

09-09-1987

1 active employment; salary

Andy Miller

881110010

05-05-1980

1 active employment; salary, base + bonus + overtime + commissions, 1 terminated employment

Andy Freddie

990300003

08-06-1990

1 active employment; salary, base + bonus

Dan Freddie

991000010

08-02-1970

1 active employment; base, semi-monthly, salary

Patrick Freddie

990500005

08-09+1980

1 active employment; base + bonus, bi-weekly, salary

Amy Freddie

990400004

08-07-1980

2 active employments; base; semi-monthly, monthly

Suzi Freddie

990700007

08-06-1990

2 active employments; base + bonus + overtime + commissions, bi-weekly

Mom Freddie

990110011

08-04-1970

1 terminated employment; base, semi-monthly

Alice Freddie

990080008

08-05-1990

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.

John Freddie

990100001

08-01-1970

No payroll data (test 404 error)

Nomoni Freddie

123456788

01-01-2000

No payroll data (test 404 error)

Nomula Frannie

123456787

01-01-2000

Test Paystubs

To test our products that use paystub data, download the paystub zip file, and use the test paystubs.

For products that use digitized paystub data to compare against the customer’s deposited payroll transactions, use the profile number (profile_xxxx) for both the username and password for FinBank profile A.

Test Paystub Profiles

 

 

 

 

Description

Borrower Name

FinBank Profiles

Username/
Password

Paystub

1 active employment; salary, base

Jess Sea

FinBank Profiles A

profile_2513

Download

1 active employment; commission only

Ann Sea

FinBank Profiles A

profile_2514

Download

1 active employment; salary, base + overtime

Alice Firstimer

FinBank Profiles A

proflle_1019

Download

1 active employment; hourly, base

Lorraine Purchaser

FinBank Profiles A

profile_1020

Download

1 active employment; hourly, base

Patrick Purchaser

FinBank Profiles A

profile_1021

Download

1 active employment; split direct deposit

David Burton

FinBank Profiles A

profile_1027

Download

1 active employment; salary, base

Andy Miller

FinBank Profiles A

profile_1018

Download

1 active employment; salary, base + bonus + overtime + commissions

Andy Freddie

FinBank Profiles A

profile_2511

Download

1 active employment; salary, base + bonus

Dan Freddie

FinBank Profiles A

profile_540

Download

2 active employments; base; semi-monthly, monthly

Suzi Freddie

FinBank Profiles A

profile_2512

Download

Test MVS

Test the MVS Financial, Payroll, and Paystub apps altogether in one MVS Connect session or test them individually in a single Connect session. Download the zip files and use the test paystub data to compare against the customer’s deposited payroll transactions. Use the profile number (profile_xxxx) for both the username and password for FinBank profile A.

To ensure your MVS testing is successful, do the following:

  1. Create a consumer with the same SSN and DOB as found in one of the profiles.
  2. Use the same SSN and DOB in the payroll products.

MVS Test Profiles and GSEs

Borrower Information

Transactions

Pay Data

Profile Number

Description

GSE

Name

SSN

DOB

Profile

User/Pass

Paystub

Payroll

MVS-1

FR1

1 active employment w/
payroll; salary, base

Fannie

Homer Loanseeker

999601111

07-04-1970

FinBank Profiles A

profile_2509

N/A

MVS-1 FPR2

1 active employment w/payroll
or paystub; salary, base

Fannie

Jess Sea

999001147

07-05-1980

FinBank Profiles A

profile_2513

Download

MVS-1 FPR3

1 employment w/payroll or
paystub; commission only

Fannie

Ann Sea

999009066

07-06-1986

FinBank Profiles A

proflle_2514

Download

MVS-1 FR4

2 active employment w/
payroll; salary, base + overtime

Fannie

Suzi Builder

999606666

07-07-1995

FinBank Profiles A

profile_2510

N/A

MVS-1 FPR5

1 active employment w/payroll
or paystub; salary, base + overtime

Fannie

Alice Firstimer

991919991

12-27-1992

FinBank Profiles A

profile_1019

Download

MVS-1 FPR6

1 active employment w/payroll
or paystub; hourly, base

Fannie

Lorraine Purchaser

999565678

05-02-1985

FinBank Profiles A

profile_1020

Download

MVS-1 FPR7

1 active employment w/payroll
or paystub; hourly, base

Fannie

Patrick Purchaser

999121234

09-09-1987

FinBank Profiles A

profile_1021

Download

MVS-1 FP8

1 active employment
w/paystub; split direct deposit

David Burton

444556666

05-04-1980

FinbBank Profiles A

profile_1027

Download

MVS-1 FP9

1 active employment w/
payroll or paystub; salary, base

Andy Miller

881110010

05-05-1980

FinBank Profiles A

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

FinBank Profiles A

profile_2511

Download

MVS-2 FPR11

1 active employment w/
payroll or paystub; base + bonus

Freddie

Dad Freddie

991000010

08-02-1970

FinBank Profiles A

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

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

N/A

MVS-2 FPR14

2 active employments w/
payroll or paystub; base, semi-monthly, monthly

Freddie

Suzi Freddie

990700007

08-06-1990

FinBank Profiles A

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

N/A

MVS-2 R16

1 terminated employment w/
payroll; base, semi-monthly

Freddie

Alice Freddie

990080008

08-05-1990

N/A

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

FinBank Profiles A

profile_2260

N/A

MVS-1 R18

No payroll data (test 404
error)

Fannie

Nomula Frannie

123456787

01-01-2000

N/A

N/A

N/A

MVS-2 R19

No payroll (test 404 error)

Freddie

Nomoni Freddie

123456788

01-01-2000

N/A

N/A

N/A