Testing Credentials

This section provides test credentials and data for testing various aspects of the Paystand API.

Paystand X sandbox (REST)

Public API docs are validated against the Paystand X dummy merchant in sandbox (https://api.paystand.co/v3). Use Integrations OAuth (Access Token) with scope: auth and your merchant X-CUSTOMER-ID from Dashboard → Integrations.

Known Integrations-token gaps (same merchant, other routes work): GET /fees, GET /fees/{id}, POST /fees/compute, GET /feeSettingPlan/{id}, GET /customers/timezone on some merchants — see What the public API does not support today.

Pre-payment payer fees: call Split Fees with provider: receivable, payerId, and invoiceId (receivable ID), not subtotal alone.

Testing Credit Cards

Use these test card numbers to simulate different payment scenarios:

Card Number	Notes
4000000000000077	Charge will succeed and funds will be added directly to your available balance.
4242424242424242	Charge will succeed.
4000000000000002	Charge will be declined with a card declined.
4000000000000069	Charge will be declined with an expired card.
4000000000000127	Charge will be declined with an incorrect cvc.
4000000000000259	Charge will succeed and it will later be disputed as fraudulent.

Testing Bank Accounts (ACH)

The following test bank account and routing numbers can be used for creating test transactions, banks, or merchant customers:

Account Number	Routing Number	Notes
000123456789	110000000	Resource status will transition to posted then transition to paid. (USD)
000123456789	11000-000	Resource status will transition to posted then transition to paid. (CAD)

Testing Bank Network Credentials (Bank Login)

Use these test credentials for bank login testing:

Username	Password	BankName	BankKey	MFA Question	MFA Answer
testuser	testpass	Wells Fargo	wellsfargo	You say tomato, I say...?	tomato
testuser	testpass	Bank of America	bankofamerica	What is the name on the bank account?	paystand
testuser	testpass	Chase	chase	What is the account holder type?	individual
testuser	testpass	All Banks	allbanks	Account number	9876543210

Multi-Factor Authentication (MFA) Questions

Common MFA questions and their expected answers:

MFA Question	MFA Type	MFA Answer
You say tomato, I say...?	Questions/Selections	tomato will succeed again is a valid response for type questions that will return another question mfa.
What is the name on the bank account?	Questions	paystand
What is the account holder type?	Questions	individual or company
Account number	Questions	9876543210
Routing number	Questions	111121111