Test Financial Connections

To use the test mode features of Financial Connections, follow the relevant use case guide using a test API key. Accounts and customers that you make in test mode are invisible to your live mode integration.

When you provide Stripe.js with a Financial Connections Session token created using test keys, the authentication flow exclusively shows a selection of test institutions managed by Stripe. The client can link accounts from any of these institutions without providing credentials.

Features like balances, account ownership, and transactions work the same way as they do in live mode, except they return testing data instead of real account data.

Test mode webhooks are separate from live webhooks. Learn about testing your webhook integrations.

Stripe provides a set of test institutions exercising different success and failure scenarios, each represented as a bank in the list of featured institutions.

Simulating successful authentication

• Test Institution: Simulates the user successfully logging into their institution and contains a basic set of test accounts.
• Test OAuth Institution: Contains the same test accounts as Test Institution, but instead of authenticating directly with the modal, it opens an OAuth pop-up for authentication.
• Ownership Accounts: Contains test accounts representing different ownership states.
• Sandbox Bank (OAuth): Provides a test institution OAuth pop-up that allows you to select accounts to link. Sandbox Bank is the most representative of account linking for the majority of live mode institutions.
• Sandbox Bank (Non-OAuth): Provides a Stripe-hosted login form to simulate institutions that don’t support OAuth. Use the following test credentials to proceed:
  • The initial prompt asks for username and password. Entering any input value simulates a successful login.
  • In the password field or any subsequent field, enter options (selection from a list), mfa (one-time passcode entry), confirm_mfa (one-time passcode confirmation), or security_question (secret answer entry) to exercise further login prompts.
  • Entering error in any field ends the login session; incorrect gives you a chance to try again.
• Invalid Payment Accounts: Contains test accounts that are unusable for ACH payments.

Simulating failed authentication

• Down Bank (Scheduled): The institution’s login API is unavailable for a known time period that the institution communicated to Stripe.
• Down Bank (Unscheduled): The institution’s login API is unavailable without any information about the downtime communicated to Stripe.
• Down Bank (Error): Stripe is experiencing an unknown error communicating with the institution.