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  • Introduction to Auth
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    Testing Auth flows

    Testing Instant Match and micro-deposit flows

    Sandbox configuration

    To test in the Sandbox environment, you need to set the Link configuration environment to "sandbox":

    1Plaid.create({
    2 // ...
    3 env: 'sandbox',
    4});

    You will also want to direct any backend API requests to the sandbox URL:

    1https://sandbox.plaid.com

    Testing Instant Match

    Test credentials
    Sandbox inputSuccessful credentialsErroneous credentials
    Institution NameHoundstooth Bank (ins_109512)––
    Usernameuser_good––
    Passwordpass_good––
    Account SelectionPlaid Savings (****1111)––
    Routing number021000021Any other routing number
    Account number1111222233331111Any other account number
    Testing the Link flow
    • Search for “Houndstooth Bank” in Link.
    • Enter user_good and pass_good in the Credential pane.
    • Select the second account that is returned: Plaid Savings (****1111).
    • In the Routing number input, enter: 021000021
    • In the Account number input, enter: 1111222233331111
    • Link will display the success view – click continue to trigger the onSuccess callback with a public_token.

    Testing Instant Micro-deposits

    Note that micro-deposit-based flows cannot be tested in the Development environment. To test this flow, use either Sandbox (using the instructions below) or Production. You can also test this with no code by using the Link Demo

    Sandbox inputSuccessful credentialsErroneous credentials
    Institution nameWindowpane Bank (ins_135858)––
    Routing number333333334––
    Account number1111222233330000––
    Deposit codeABCAny other value
    Testing the Link flow
    • Search for "Windowpane Bank" in Link.
    • When prompted, enter the credentials above. For all other fields, you can use any values.

    Testing Automated Micro-deposits

    Note that micro-deposit-based flows cannot be tested in the Development environment. To test this flow, use either Sandbox (using the instructions below) or Production. You can also test this with no code by using the Link Demo

    Test credentials
    Sandbox inputSuccessful credentialsErroneous credentials
    Institution NameHoundstooth Bank (ins_109512)––
    Usernameuser_good––
    Passwordmicrodeposits_good––
    Account SelectionPlaid Checking (****0000)––
    Routing number021000021Any other routing number
    Account number1111222233330000Any other account number
    Testing the Link flow
    • Search for “Houndstooth Bank” in Link.
    • Enter user_good and microdeposits_good in the Credential pane.
    • Select the first account that is returned: Plaid Checking (****0000)
    • In the Routing number input, enter: 021000021
    • In the Account number input, enter: 1111222233330000
    • Enter your legal first and last name.
    • Link will display the Automated Micro-deposit success view – click continue to trigger the onSuccess callback with a public_token.

    The micro-deposit verification will automatically succeed after twenty-four hours. To test a failed micro-deposit, or to skip the twenty-four hour waiting period, use the /sandbox/item/set_verification_status endpoint to manually control the Item's micro-deposit verification status.

    Testing Same Day Micro-deposits

    Note that micro-deposit-based flows cannot be tested in the Development environment. To test this flow, use either Sandbox (using the instructions below) or Production. You can also test this with no code by using the Link Demo

    Test credentials
    Sandbox inputSuccessful credentialsErroneous credentials
    Routing number110000000––
    Account number1111222233330000––
    Deposit codeABCAny other value
    Initiating micro-deposits in Link
    • If you have configured Same Day Micro-deposits at failure points in Link, search for an institution that is not yet supported: "XYZ", click on Link with account numbers
    • If you have configured Same Day Micro-deposits with Auth Type Select, choose "Manually" from the menu
    • In the Routing number input, enter: 110000000
    • If you have configured Same Day Micro-deposits with Reroute to Credentials, choose the "Enter account number instead" option.
    • In the Account number input, enter: 1111222233330000
    • Select “checking” or “savings” as the account type
    • Link will display the success view – click Continue to trigger the onSuccess callback with a public_token
    Verifying micro-deposits in Link
    • Call /item/public_token/exchange with your public_token from the previous step to receive an access_token.
    • Call /link/token/create and provide the access_token from the previous step to receive a link_token.
    • Open Link with your link_token.
    • In the deposit code, enter ABC
    • You have successfully verified your micro-deposits – click Continue to close Link successfully.

    Testing micro-deposit events

    Micro-deposits that are generated in Sandbox will never be posted by default. In order to generate a posted event that you can see when you query /bank_transfer/event/sync, you can use the /sandbox/bank_transfer/simulate endpoint.

    Simulating a posted event in Sandbox does not generate a webhook. You will need to call /sandbox/bank_transfer/fire_webhook each time you want a webhook to be published for testing.

    Testing Identity Match with Same Day micro-deposit Items

    Sandbox inputSuccessful credentialsErroneous credentials
    Routing number011401533110000000
    Account number11112222333300001111222233330000
    Deposit codeABCABC
    • Complete the Same Day Micro-deposits flow as detailed above
    • Call /identity/match using any variation of data in order to test the matching algorithm
    • The identity data of the test user is as follows
    FieldSandbox identity
    NameAlberta Bobbeth Charleson
    Emailaccountholder0@example.com
    Phone1112223333
    Street2992 Cameron Road
    CityMalakoff
    RegionNY
    CountryUS
    Postal Code14236
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