Testing CapitalVersion bêta privée

You can simulate the end-to-end Capital flow of a connected account by using Sandboxes to send test offers. You can send test offers to the email address of the authenticated account user.

Create a test offer

To create a test offer:

1. Create a sandbox.

2. Go to the Capital Dashboard.

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 can 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, create a new connected account in the Stripe Dashboard.
   • 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

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

   The result is an undelivered test financing offer. In the Capital Dashboard, you can see each financing offer for your customers in the Financing Reporting page and Metrics in the Financing Overview page.

   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 the 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 the undelivered state.

While testing, you can mark offers as delivered in two ways:

1. Select the Delivered status when you create the financing offer because actual offer delivery in an email isn’t necessary for testing.

2. If you send your own offer emails and you created a financing offer with an undelivered status, click the overflow menu () for that offer in the Financing Reporting page, then select Mark 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.

3. 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.

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 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 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 page.
2. Click the overflow menu () for the offer, then select 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 connected account’s Active Financing reporting page. This page displays key details around the financing such as outstanding balance, repayment activity, and the ability to make manual payments or download the contract.

To retrieve this link:

1. Go to the Financing Reporting page.
2. Click the overflow menu () for the offer, then select Copy Dashboard link.
3. 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 users. 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 Dashboard in live mode.
2. Select Manage offers and confirm that you want to activate automatic offers. All eligible users with an email automatically receive a financing offer as soon as it’s available.