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Testing SEPA Secure deposits#

Testing SEPA Secure deposits on Demo environment#

You can test deposits in the Demo Environment.

Testing with a deposit simulation API#

The Demo Environment provides a deposit and withdrawal simulation API for simulating deposits. This API should be used as a helper during development. It allows you to quickly receive a deposit callback.

This is the prefferred testing option.

Testing the whole user flow#

This is a longer flow and should be used only if you want to test the entire user flow with manual KYC approval.

Testing flow

For a new customer:

  1. Create an invoice
  2. Go through usual flow including SumSub KYC
    • Make sure to input proper KYC data, that matches the proof of address
    • Use the attached passport and proof of address photos (other test or real data may also be used)
  3. Wait until KYC is passed
  4. Make a POST request to /customer/{id}/bank-transfer/simulate
    • See the example cURL request
  5. Wait for a callback (may be delayed by a few minutes)

For an existing customer with FULL_USER status (KYC successfully completed):

  1. Create an invoice (optional)
  2. Make a POST request to /customer/{id}/bank-transfer/simulate
    • See example of the cURL request
  3. Wait for a callback (may be delayed by a few minutes)

Example of a POST request that should be made to simulate a deposit:

This API endpoint is only available on the sandbox environment and can not be used in production.
Replace <test-customer-id> with the real value, and <your-api-key> placeholder with your demo API key to execute it

curl --location 'https://api.demo.xgateway.tech/api/v2/customer/<test-customer-id>/bank-transfer/simulate' \
--header 'Accept: application/json' \
--header 'x-api-key: <your-api-key>' \
--header 'Content-Type: application/json' \
--data '{
    "amount": "100",
    "currency": "EUR"
}'

You will see the response like 

  % Total    % Received % Xferd  Average Speed   Time    Time     Time  Current
                                 Dload  Upload   Total   Spent    Left  Speed
100    93  100    47  100    46      1      1  0:00:47  0:00:24  0:00:23    12{"data":"Transaction simulated","success":true}
And the transaction will be simulated for you.

If you cannot pass KYC, check the following:

  1. Do not rename the files you upload.
  2. Do not modify their content (for example, compression via messaging apps may alter files and make them unusable for KYC needs).
    • (!) Sandbox KYC flow checks file name-to-file hash matching, not the actual data content.
  3. Ensure that you correctly enter the name and other data exactly as shown in the documents.

Test data#

Examples of KYC data can be found on the SumSub documentation page.