Testing Auth flows

Testing Instant Match, Automated Micro-deposit, and Same-Day Micro-deposit flows

Sandbox configuration

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

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

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

API host

1https://sandbox.plaid.com

Not all Plaid Developer accounts are enabled for Automated Micro-deposits or Same Day Micro-deposits by default. Your account must be enabled for these features in order to test them in Sandbox. To enable these features or check your status, contact your account manager or submit a product access ticket.

Testing Instant Match

Test credentials

Sandbox input	Successful credentials	Erroneous credentials
Institution Name	Houndstooth Bank (`ins_109512`)	––
Username	`user_good`	––
Password	`pass_good`	––
Account Selection	`Plaid Savings (****1111)`	––
Routing number	`021000021`	Any other routing number
Account number	`1111222233331111`	Any 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 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 input	Successful credentials	Erroneous credentials
Institution Name	Houndstooth Bank (`ins_109512`)	––
Username	`user_good`	––
Password	`microdeposits_good`	––
Account Selection	`Plaid Checking (****0000)`	––
Routing number	`021000021`	Any other routing number
Account number	`1111222233330000`	Any 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

Test credentials

Sandbox input	Successful credentials	Erroneous credentials
Routing number	`110000000`	Any other routing number
Account number	`1111222233330000`	Any other account number
Deposit code	`ABC`	Any 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
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.