Test the APIs

Prerequisites

Developers with either a test drive account or a paid plan have access to all our live API endpoints. This allows you to test your own product development before putting your application into production.

The following are the testing capabilities for FinBank and FinPayroll:

  • Up to 100 testing customers per client
  • Up to 20 testing accounts per testing customer
  • Combine FinBank profiles to test a testing customer during the Connect app

Test profiles

We use testing profiles in our production environment rather than in a user acceptance testing (UAT) environment. The profiles are set up so that you can test your applications against various scenarios using our FinBanks and FinPayroll environments, which simulate testing against live FIs and payroll providers. FinBanks generate a few transactions every day so that test information is always available.

FinBank—FI sign-in authentication

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

All profile accounts allow any text for the MFA answers with the exception of two profiles, username:

  • tfa_txt
  • tfa_choice

FinBank—FI Sign-In Authentication Profiles

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 CustomerAccount take more than 180 seconds to test the app’s asynchronous handling.

FinBank A (102105) FinBank B (102168)—Test FI accounts

We recommend using these profiles for all testing unless you are testing specific technical scenarios in which case you can choose one of the other FinBank institutions.

Profiles 2-9 are used for general testing of our products. Profiles 2-8 are created from real FI data with all personal identification information (PII) removed.

The profiles have various combinations of account types, such as checking, savings, 401k, and more. Since both of these FinBanks function the same, you can test the scenario when one customer has two accounts but they’re each located at a different bank.

FinBank A (102105) FinBank B (102168)—Test FI 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 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)

FinBank—OAuth

Follow the steps to test the Connect app and the pop-up window at OAuth FIs using different profile scenarios.

  1. On the institution search page, enter Finbank and select Finbank OAuth.
  2. Enter the username and password for the test profile.
  3. Choose a PDF file that corresponds to the profile.

Contact Fincity sales engineers (SEs) to help you register for this financial institution.

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)

FinBank-FinPayroll—MVS payroll app

The profiles test the MVS Financial, Payroll, and Paystub apps used in the One Touch (one Connect session) implemented option, or you can test each app separately.

Example: To test only the Payroll app, configure the experience parameter from the Generate Connect URL APIs so that the customer’s experience only prints the VOIE-Payroll report. Then use the Social Security number (SSN) and the date of birth (DOB) from any of the profiles that support payroll.

See Integrate MVS with Connect

Test MVS paystub app

The profiles allow you to test the features for each of the MVS apps:

  • Use the username and password to sign into a FinBank, and then add accounts.

The MVS Financial app views the customer’s permissioned accounts and gathers the transaction data.

  • Use the SSN and DOB to add payroll data at the FinPayroll provider.
  • Use the paystub zip file for the profile you’re testing to upload test paystubs.

See Implement MVS Options

MVS apps test profiles

Profile#

  Description

Borrower Name

GSE

Payroll Info

Transactions

Paystub

SSN

DOB
MM-DD-YYYY

FinBank Profile

Username /
Password

MVS-1FR1

1 active employment w/ payroll; salary, base

Homer Loanseeker

Fannie

999601111

07-04-1970

Finbank Profiles A

profile_2509

N/A

MVS-1FPR2

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

Jess Sea

Fannie

999001147

07-05-1980

Finbank Profiles A

profile_2513

Download

MVS-1FPR3

1 employment w/payroll or paystubs; commission only

Ann Sea

Fannie

999009066

07-06-1986

Finbank Profiles A

profile_2514

Download

MVS-1FR4

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

Suzi Builder

Fannie

999606666

07-07-1995

Finbank Profiles A

profile_2510

N/A

MVS-1FPR5

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

Alice Firstimer

Fannie

991919991

12-27-1992

Finbank Profiles A

profile_1019

Download

MVS-1FPR6

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

Lorraine Purchaser

Fannie

999565678

05-02-1985

Finbank Profiles A

profile_1023

Download

MVS-1FPR7

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

Patrick Purchaser

Fannie

999121234

09-09-1987

Finbank Profiles A

profile_1024

Download

MVS-1FP8

1 active employment w/ paystub; split direct deposit

David Burton

Fannie

444556666

05-04-1980

Finbank Profiles A

profile_1027

Download

MVS-1FP9

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

Andy Miller

Fannie

881110010

05-05-1980

Finbank Profiles A

profile_1018

Download

MVS-2FPR10

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

Andy Freddie

Freddie

990300003

08-06-1990

Finbank Profiles A

profile_2511

Download

MVS-2FPR11

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

Dad Freddie

Freddie

991000010

08-02-1970

Finbank Profiles A

profile_540

Download

MVS-2R12

1 active employment w/ payroll; Base only, semi-monthly, salary

Patrick Freddie

Freddie

990500005

08-09-1980

N/A

N/A

N/A

MVS-2R13

1 active employment w/ payroll; Base + Bonus, bi-weekly, salary

Amy Freddie

Freddie

990400004

08-07-1980

N/A

N/A

N/A

MVS-2FPR14

2 active employments w/ payroll or paystub; both have Base only, semi-monthly and monthly

Suzi Freddie

Freddie

990700007

08-06-1990

Finbank Profiles A

profile_2512

Download

MVS-2R15

2 active employments w/ payroll; both have Base+Bonus+OverTime+Commissions, both bi-weekly

Mom Freddie

Freddie

990110011

08-04-1970

N/A

N/A

N/A

MVS-2R16

1 terminated employment w/ payroll; Base only, semi-monthly

Alice Freddie

Freddie

990080008

08-05-1990

N/A

N/A

N/A

MVS-2R17

1 active employment w/ payroll; Base+Bonus+OverTime+Commissions, bi-weekly, 1 terminated employment

Andy Freddie

Freddie

990300003

08-06-1990

N/A

N/A

N/A

MVS-2FR18

1 active employment w/ payroll; Base+Bonus+Comm+OT, (there is also ChildSupport , Military, VABenefits and Alimony but only base/bonus/comm/OT will be in payroll report), weekly

John Freddie

Freddie

990100001

08-01-1970

Finbank Profiles A

profile_2260

N/A