You can test your Ivy integration using sandbox banks with fake login data and the built-in Sandbox Tools. This lets you simulate every flow—success, failure, refunds, and more—before going live.

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1. Test Banks

BankCountryCurrencyPayment RailsCredentialsInstructions
Test Bank marketAny 🌍AnySEPA Credit, SEPA InstantUsername: random
Password: random
OTP: random		For success enter any OTP
For failure enter OTP = 666
Deutsche Bank SandboxDE 🇩🇪EURSEPA Credit, SEPA InstantIBAN: DE17215730140403340300
Account Holder Name: random
Branch: 615
Account: 4033403		1€ for success
100€ for failure
KD Bank SandboxDE 🇩🇪EURSEPA Credit, SEPA InstantIBAN: DE39499999600000005111
Account Holder Name: random
Customer ID: VRK1234567890ALL
password: password
SCA method: Mobile
SCA code: 123456		For success select any SCA method and use the SCA code 123456 if it asks for one
Natwest SandboxGB 🇬🇧GBPFaster PaymentsUsername: 123456789012
Password: displayed on screen
BBVA SandboxES 🇪🇸EURSEPA Credit, SEPA InstantIBAN: ES2501822200160201933547
username: user1
password: 1234
SCA code: 123456		To trigger failure click “Cancel” → “Aceptar” in bank UI
Alior SandboxPL 🇵🇱EURElixir, SEPA Creditusername: 60370698
password: 12345678		Approve payment in bank interface - simulates delayed bank update
PKO BP SandboxPL 🇵🇱EURElixir, SEPA Creditn/aUse buttons in the bank UI to set the desired outcome:
Sukces → Success
Use the credentials provided above to authenticate the payments. Use the instructions provided to simulate different cases including successes and failures.

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2. Simulate User Flows with the Test Simulator

When Test Mode is activated, you get access to powerful Sandbox Tools in the Dashboard. These let you simulate all key payment and payout scenarios.
1

Open the Customer Payments or Payouts page

Find the payment or payout you want to test.
2

Click to open details and access Sandbox Tools

The Sandbox Tools tab appears for each item in test mode.
3

Simulate actions

  • Simulate funding: Mark an order as paid.
  • Simulate unsuccessful states: Mark an order as failed or canceled.
  • Simulate refunding: Mark an order as refunded (success or failure).
  • Simulate payout funding: Mark a payout as completed or failed.
Sandbox tools for simulating order flows

Sandbox tools in the details view of an order

Sandbox tools for simulating payout flows

Sandbox tools in the details view of a customer payout

These simulations do not work if you have direct settlement enabled.

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3. Manual Incoming & Outgoing Transaction Simulation

In the developer section under the Simulations tab, you can manually simulate transactions:

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Incoming transactions

  • Simulate a manual bank transfer with any amount and bank statement reference.
  • Useful for testing unreferenced or unexpected incoming payments.

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Outgoing transactions

  • Simulate a manual outgoing transaction with any amount, external reference, and status.
  • A valid external reference must start with one of: refund, payout, fee, userPayout, followed by your unique identifier.
Use these tools to test every edge case and webhook flow before going live.