# Testing Capital

Use test environment tools to review your Capital integration.

> Capital for platforms is available in [public preview](https://docs.stripe.com/release-phases.md).

You can simulate the end-to-end Capital flow of a connected account by using [Sandboxes](https://docs.stripe.com/sandboxes.md) to send test offers. You can send test offers to the email address of the authenticated account user.

## Create a test offer 

1. [Create a sandbox](https://docs.stripe.com/sandboxes/dashboard/manage.md#create-a-sandbox).

1. Go to the [Capital](https://dashboard.stripe.com/test/connect/capital) page in the Dashboard.

1. Click **Activate no-code integration** to enable Capital for testing.

1. 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 can select the type of offer and, if it’s a refill, the test account. You can also select the offer terms (amount, fee, and payment rate).
   - If you prefer, create a new connected account in the [Dashboard](https://docs.stripe.com/connect/dashboard/managing-individual-accounts.md#creating-accounts).
   - For test offers, you don’t need to link the bank account.
   - View account details of your newly created connected account: `https://dashboard.stripe.com/test/connect/accounts/:merchant_id`.

1. Before finalizing the offer creation by clicking **Create Financing Offer**, first set the offer status to `delivered` because the actual offer delivery in an email isn’t necessary for testing.

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

   The result is a `delivered` test financing offer. In the Dashboard, you can view each financing offer for your customers in the [Financing Reporting](https://dashboard.stripe.com/test/connect/capital/financing_offers) page. You can view [metrics](https://docs.stripe.com/capital/reporting.md) in the [Financing Overview](https://dashboard.stripe.com/test/connect/capital) page.

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

## Enable email delivery and offer access 

To access the offer, we require offers to be in the `delivered` state to confirm successful receipt and to maintain a record that offers aren’t presented or restricted in a discriminatory manner. Users won’t be able to access offers that are in the `undelivered` state.

While testing, if you create the financing offer with an `undelivered` status, you can’t mark it as `delivered`. To ensure access, always select the **Delivered** status during the creation process.

If you use Stripe-sent offer emails, refer to the steps below to send a test Stripe offer email to your inbox, which automatically marks the offer as `delivered`.

## Send test offer email (for Stripe-sent offer emails)

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

In the overflow menu (⋯) for the offer, select **Send offer email** and you’ll receive the Stripe-sent test offer email that uses your platform’s [Connect branding](https://dashboard.stripe.com/settings/connect/stripe-dashboard/branding).

## Accept the test offer as a connected account

If you use Stripe-sent test offer emails, you must complete an account claim and verification process for security reasons. Use the following test 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, `jenny.rosen@example.com` works in the test environment, but `test@test.test` doesn’t work.
- **Verify your phone number**: Use the test code option.

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

You can also access the offer by clicking the **Copy Dashboard link** option in the offer’s overflow menu (⋯) and loading the copied link in your browser.

## Approve or reject the offer

After you accept the test offer as the user, the offer transitions to an `accepted` status in the Stripe Dashboard. To test the financing disbursement:

1. Go to the [Financing Reporting](https://dashboard.stripe.com/test/connect/capital/financing_offers) page.
1. Click the overflow menu (⋯) for the offer, then select **Approve and disburse funds**.
1. Click **Approve** to initiate the disbursal of funds.

## Financing reporting

Now that you’ve created a `Financing` object with a `paid_out` status, retrieve the link for the connected account’s Active Financing reporting page. This page displays key details about the financing, such as outstanding balance, payment activity, and the ability to make manual payments or download the contract.

To retrieve this link:

1. Go to the [Financing Reporting](https://dashboard.stripe.com/test/connect/capital/financing_offers) page.
1. Click the overflow menu (⋯) for the offer, then select **Copy Dashboard link**.
1. Load this copied link in your browser and pass through the standard verification steps to access the connected account’s **Active Financing** reporting page.

## Activate automatic offers to finalize integration

After testing your Capital integration, enable Stripe to automatically create offers for all eligible and pre-approved connected accounts. By default, Stripe disables automatic offers to allow you to test offers and manually roll out your initial live pilot offers. To enable automatic offers:

1. Go to the [Capital](https://dashboard.stripe.com/connect/capital) page in live mode.
1. Select **Manage offers** and confirm that you want to activate automatic offers. All eligible connected accounts with an email automatically receive a financing offer as soon as it’s available.

## See also

- [Set up Capital](https://docs.stripe.com/capital/getting-started.md)