Test your Instant Bank Transfer integration in Sandbox and then Production before going live.

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Sandbox Testing

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 Checkout Flows with Sandbox Banks

Create a checkout session in sandbox and visit the redirect url to see available sandbox banks. Follow the instructions below with the provided credentials to test a range of flow types.
BankCountryCurrencySchemesCredentialsInstructions
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 in the bank sandboxes.

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2. Simulate successful Payins with Sandbox Tools

When Test Mode is activated, you get access to powerful Sandbox Tools in the dashboard to simulate successful payins and refunds.
1

Create an Order via API

The Order will be in the processing status.
2

Select the Order to open Sandbox Tools

Find your payment in the Orders table in the dashboard. Click it for the detailed view.
3

Simulate Funding

The status will update to paid with a corresponding webhook.
Sandbox tools for simulating order flows

Sandbox tools in the details view of an order

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

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3. Simulate Incoming Transactions Manually

In the developer section under the Simulations tab, you can manually simulate transactions:
  • Simulate a manual bank transfer with any amount and bank statement reference.
  • Useful for testing unreferenced or unexpected incoming payments.
If you do not have the Deposits feature enabled this will lead to an automatic return. Speak to your account manager to configure this.

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Production Testing

Once you’ve thoroughly tested your integration in sandbox mode, you can move to production testing with real payments. Toggle off test mode in the Dashboard and use your live API keys.
Production testing involves real money. Always start with small amounts and verify your integration thoroughly before processing larger payments.
Complete these test scenarios to ensure your instant bank transfer integration works correctly:
Test CaseDescriptionExpected Outcome
Four successful payments from different banksTest payments from various banks using different amounts.Payments processed successfully and webhooks received
**User cancels the flow **Actively cancel the payment flow during the bank authentication process for 2+ banksPayments fail with appropriate error handling and webhooks
**Payment Insufficient funds **Attempt a payment from an account with insufficient fundsPayments fail with appropriate error handling and webhooks
Test each scenario with small amounts and verify that your webhook endpoints receive the correct status updates for each test case.
What’s Next