Test mode toolingPrivate preview

Send a test mode offer in the Dashboard to see the end-to-end flow of a connected account. You can send test offers to the email address of the authenticated user.

Create a test mode offer

1. Go to the Capital Dashboard.

2. Toggle Test Mode to an active status.

3. To generate a test offer, click Create and select the parameters for the offer creation.

   • For the connected account, select an existing connected account by searching for the account’s ID or leave it blank and Stripe will generate an account for you.
   • You’ll also able to select the type of offer and if it’s a refill, the test account, and the offer terms (amount, fee, and repayment rate).
   • If you prefer to create a new connected account, visit the Connected Accounts Overview Page.
   • You might see a message that the connected account needs to add a bank account or debit card. For test mode offers, you don’t need to link the bank account.
   

   Connected Accounts Overview Page

Create a new connected account

Creating a connected account

View account details of your newly created connected account: https://dashboard.stripe.com/test/connect/accounts/:merchant_id

1. Click Create Financing Offer to create the offer for the test connected account.

   Result: The financing offer in test mode hasn’t been delivered yet. You can see each financing offer for your customers and Metrics in the Capital Dashboard.

   Next, you must enable email delivery and access to the offer.

Enable email delivery and offer access

To access the offer, mark the offer as delivered. We require offers to be in a delivered state to confirm successful receipt and to maintain a record that offers aren’t cherry-picked nor restricted in a discriminatory manner. Users won’t be able to access offers that are in an undelivered state.

There are two ways to mark offers as delivered:

1. You can select the delivered status when you create the test mode financing offer since actual offer delivery in an email isn’t necessary for test mode.

2. If you created a test mode financing offer with an undelivered status, you can click the actions dropdown for that offer in the Financing offers table and select Mark delivered.

   

   Marking offer as Delivered

   For multiple offers, select the checkbox in the upper left corner of the column titles to select all the rows, and then click Mark delivered in the top right corner.

   

   Marking Finance Offers as Delivered (Bulk)

Send test offer email

After you’ve enabled email delivery, you can send a test offer email to your inbox. Stripe sends test mode offer emails to the authenticated user to prevent real users from receiving unwanted test mode emails.

In the actions drop down for the offer, select Send offer email and you should receive the Stripe-sent test offer email that uses your platform’s Connect branding.

Select Send Offer Email action

Accepting the test offer as a user

If you use Stripe-sent test offer emails, you must complete an account claim and verification process for security reasons. Use the following test mode values to pass this security check:

• Mobile number: Use the test phone number option
• Email: Add any email address as long as the top-level domain is valid. For example, me@mycompany.com will work in test mode, but test@test.test won’t work
• Verify your phone number: Use the use test code option

After you pass this verification process, you can view the test offer and apply for the test loan as if you were the user.

You can also access the offer by clicking the Copy Dashboard link option and loading the copied link in your browser.

Approve or reject the offer

After you accept the test offer as the user, the offer will transition to an accepted status in the Stripe Dashboard. To test the loan disbursement:

1. Go to the Financing Reporting page
2. Navigate to the test offer’s detailed Financing page and click … > approve and disburse funds.
3. Click Approve to initiate the disbursal of funds.

Financing reporting

Now that you have a financing with a paid_out status, retrieve the link for the active Financing reporting page. This page displays key details around the financing loan such as outstanding balance, repayment activity, and the ability to make manual payments or download the contract.

To retrieve this link:

1. Navigate to the test offer’s detailed Financing page and click … > Copy Dashboard link.
2. Load this copied link in your browser and pass through the standard verification steps to access the active Financing reporting page.

Activate automatic offers to finalize integration

After sending test and pilot offers, you can enable Stripe to send automatic offers to all eligible and pre-approved users. Stripe disables automatic offers by default to allow you to manually generate and test offers. To enable automatic offers:

1. Go to the Capital Dashboard.
2. Select Manage offers and confirm that you want to activate automatic offers. Result: All eligible users with an email will automatically receive a financing offer as soon as it’s available.