Simulated Payments

Every sandbox organization uses simulated payments.

Simulated payments keep the same fees, statuses, and API responses as production. Balances and blockchain transactions stay on the testnets.

Payouts

A payout completes unless you send it to a reserved account number. The reserved account number sets the result of the payout. Reserved account numbers exist for ARS, BOB, COP, MXN, PEN, and USD. A payout in a different currency always completes.

Select a currency to see its reserved account numbers.

Result	Account number
Fails with `ACCOUNT_NUMBER_INCORRECT`	`9999999999999999555001`
Fails with `ACCOUNT_CLOSED`	`9999999999999999555002`
Fails with `REJECTED_BY_BANK`	`9999999999999999555003`
Fails with `ACCOUNT_TYPE_INCORRECT`	`9999999999999999555004`
Fails with `BENEFICIARY_DOCUMENTATION_INCORRECT`	`9999999999999999555005`
Stays `pending` and does not settle	`9999999999999999555006`
Completes slowly	`9999999999999999555007`

Result	Account number
Fails with `ACCOUNT_NUMBER_INCORRECT`	`999999999555001`
Fails with `ACCOUNT_CLOSED`	`999999999555002`
Fails with `REJECTED_BY_BANK`	`999999999555003`
Fails with `ACCOUNT_TYPE_INCORRECT`	`999999999555004`
Fails with `BENEFICIARY_DOCUMENTATION_INCORRECT`	`999999999555005`
Stays `pending` and does not settle	`999999999555006`
Completes slowly	`999999999555007`

Result	Account number
Fails with `ACCOUNT_NUMBER_INCORRECT`	`999999999999555001`
Fails with `ACCOUNT_CLOSED`	`999999999999555002`
Fails with `REJECTED_BY_BANK`	`999999999999555003`
Fails with `ACCOUNT_TYPE_INCORRECT`	`999999999999555004`
Fails with `BENEFICIARY_DOCUMENTATION_INCORRECT`	`999999999999555005`
Stays `pending` and does not settle	`999999999999555006`
Completes slowly	`999999999999555007`

Result	Account number
Fails with `ACCOUNT_NUMBER_INCORRECT`	`999999999995550011`
Fails with `ACCOUNT_CLOSED`	`999999999995550024`
Fails with `REJECTED_BY_BANK`	`999999999995550037`
Fails with `ACCOUNT_TYPE_INCORRECT`	`999999999995550040`
Fails with `BENEFICIARY_DOCUMENTATION_INCORRECT`	`999999999995550053`
Stays `pending` and does not settle	`999999999995550066`
Completes slowly	`999999999995550079`

Result	Account number (last 17 digits)
Fails with `ACCOUNT_NUMBER_INCORRECT`	`99999999999555001`
Fails with `ACCOUNT_CLOSED`	`99999999999555002`
Fails with `REJECTED_BY_BANK`	`99999999999555003`
Fails with `ACCOUNT_TYPE_INCORRECT`	`99999999999555004`
Fails with `BENEFICIARY_DOCUMENTATION_INCORRECT`	`99999999999555005`
Stays `pending` and does not settle	`99999999999555006`
Completes slowly	`99999999999555007`

The first three digits of a PEN account number are the bank code. Use the code of the bank you select, then the 17 digits from the table.

Result	Account number
Fails with `ACCOUNT_NUMBER_INCORRECT`	`99999999999555001`
Fails with `ACCOUNT_CLOSED`	`99999999999555002`
Fails with `REJECTED_BY_BANK`	`99999999999555003`
Fails with `ACCOUNT_TYPE_INCORRECT`	`99999999999555004`
Fails with `BENEFICIARY_DOCUMENTATION_INCORRECT`	`99999999999555005`
Stays `pending` and does not settle	`99999999999555006`
Completes slowly	`99999999999555007`

Use the routing number 110000000 with a USD reserved account number.

A payout that completes or fails settles about 1 to 3 minutes after its blockchain transaction executes. A slow payout settles about 5 minutes or more after that transaction.

When a payout fails, Mural sends the funds back to your account as a testnet refund. Then the payout status changes to failed. The status shows the errorCode from the table.

Use Polygon (Amoy) for simulated payouts.

To send a payout from the platform, select Approve and confirm with your passkey. Then select Send Now on the Actions screen.

Payins

To start a payin, use the simulate Payin endpoint. The amount sets the result of the payin. Send amount.value in cents. Any other amount up to the rail maximum completes. The maximum is 50 USD for ACH and WIRE, 1,000 MXN for SPEI, 275 BRL for PIX, and 65,000 ARS for CVU. A larger amount returns a 400 error.

Currency	Rail	Amount	`amount.value`	Result
USD	ACH, WIRE	45.51	`4551`	Fails
USD	ACH, WIRE	45.52	`4552`	Slow
MXN	SPEI	555.51	`55551`	Fails
MXN	SPEI	555.52	`55552`	Slow
BRL	PIX	255.51	`25551`	Fails
BRL	PIX	255.52	`25552`	Slow
ARS	CVU	55,555.51	`5555551`	Fails
ARS	CVU	55,555.52	`5555552`	Slow

A payin that completes settles in about 3 to 4 minutes.
A payin that fails changes to failed in about 1 minute. No funds move.
A slow payin settles in about 7 minutes.

A payin needs an active payin capability for its currency. If the capability is not active, the endpoint returns a 403 CapabilityNotEnabledException.

In the sandbox, you cannot create a payin intent. To test a payin, use the simulate payin endpoint with a deposit account.