You can use the Open Banking simulator to link fake accounts to your organisation. You can then use these accounts to make payments without moving real money.
Setup a Fake Account
To connect a fake account follow the steps outlined in the account connection guide. When selecting the bank make sure to select the Crezco Sandbox - GB bank.
Instead of a real bank the app will redirect you to the simulator interface. Here you can select a preconfigured scenario to respond with. By default this is a successful bank connection. When choosing InstantlyCompleted it will then connect two new fake accounts. One will be a savings account and one will be a current account.
Executing a Simulated Payment
To make a simulated payment you need to use the id for a fake account when creating a pay run. The checkout flow will then redirect you to the simulator interface instead of a real bank.
The simulator interface allows you to configure various payment results. By default it will configure a successful payment. Once you've finished setting configuration, click Submit to be redirected back as if returning from the users bank.
Modes
Completed - Simulates when funds are taken from the payers account.
Declined - Simulates when the payment is declined by the bank
Insufficient Funds - Simulates when there are not enough funds to facilitate the payment.
Redirect Error - Configured an erroneous response when returning from the bank to the payment flow.
Requires-Multi-auth - Simulates when a payment requires authorisation from multiple parties.
Stuck - This configures the payment to stay in a pending state and never complete.
User Cancelled - Simulates when the end-user cancels the payment authorisation.
Supplementary Behavioural Options
Processing Delay - Allows you to set up to a 30 second delay before the configured response is actioned. The payment will appear as pending until this point. Available for Completed, Declined and Stuck modes.
FX Behaviours - If your payment is (or in the case of bulk payments includes) cross currency payments, you can configure various FX related responses to each one such as conversion failures or payout failures/reversals. Available for Completed and Stuck modes.