Test your integrationPrivate preview

You can test your credit integration in a sandbox environment using the Credit API and following the same steps as live mode:

1. Create a connected account.
2. Request the card_issuing_charge_card capability.
3. Manage the connected account’s credit terms through its CreditUnderwritingRecord and CreditPolicy.
4. Pay off the connected account’s FundingObligation.

Test the Credit APIs on connected accounts

As you test the Credit APIs on connected accounts, consider the following:

• Minute interval support: In testing environments, you can set the credit_period_interval of the platform or connected account CreditPolicy to minute to generate a new FundingObligation as often as once every minute and streamline your testing cycle.
• Simulate Issuing transactions: Use the Dashboard or Issuing API in testing environments to simulate issuing spend and disputes. The applicable FundingObligation updates asynchronously in a few seconds to reflect the activity, allowing you to test the webhook event and your handling of it.
• Deactivate after testing: Stripe continues to generate new FundingObligations for as long as the CreditPolicy status for an account remains active, so deactivate the account’s CreditPolicy when you complete your testing.
• Test retention: Stripe deletes prior test FundingObligations after 7 days.
• When you report credit underwriting decisions on test connect accounts, account notices will be created. If you let Stripe send regulated emails on your behalf, an email will be sent to the test connected account. If you send regulated emails yourself, then you can listen to the account_notice.created webhook to know when to send a new notice. Credit underwriting decisions made in testing environments on real connected accounts will not generate any notices.

Test post-funding your platform

You can also simulate your platform’s daily payment of your FundingObligation using the following test capabilities (not applicable in live mode):

• Update Stripe-controlled fields: Update the status and credit_period_interval_count fields of your platform’s CreditPolicy to simulate updates that are normally set by Stripe.
• Deactivate your CreditPolicy: Set your CreditPolicy’s status to inactive to stop generating new FundingObligations on your platform’s test account.
• Test Post-Funding: Use the /v1/test_helpers/issuing/fund_balance endpoint or add funds using the Dashboard in testing environments to simulate a FundingObligation payment.