Simulating Payments

When working in the sandbox (stage) environment, the system does not send real payments for uploaded invoices. This section details how to simulate various payment scenarios for testing purposes.

Payment Method

For each supplier, payment method is managed by Finexio on a per-supplier basis.

Payment Outcome

By default, sandbox payments will simulate a successful payment outcome. The simulated time it takes to travel through the payment states depends on payment method (see Payment Timing). In order to simulate unsuccessful payments, adjust the set of invoices that produce a given payment such that the least significant digits of the final payment amount as follows:

amount_cents	outcome
_ _ _ _ _ _ 9900	Complete - (default) payment completed normally.
_ _ _ _ _ _ 9901	Failed: Funding Error - funds to pay this payment have not been received.
_ _ _ _ _ _ 9902	Failed: Payment Returned - payment was not accepted or returned by recipient or recipient's bank.
_ _ _ _ _ _ 9903	Failed: Payment Cancelled - payment was cancelled by sender.
_ _ _ _ _ _ 9904	Failed: Payment Expired - payment was not settled within specified limit (varies by payment method)

Payment Timing

By default, the payments generated in the sandbox will progress through the "happy-path" at a typical pace for a given payment method:

Method	initiation1	in-progress
Check	0-30 minutes	6-30 days
Card	0-30 minutes	2-10 days
ACH	0-30 minutes	3-7 days
Wire	0-30 minutes	1-4 days

For testing purposes, you can adjust the above timings by (TBD).

¹ time from posting invoices to payment creation.