Simulator (Mock Bank)

Mock Bank SimulatorCopy URL

Mock Bank is Banked's built in simulator. It can be used to simulate approval, decline and failure scenarios.

Mock Bank for Mandates and Payments using the Banked Checkout UXCopy URL

Mock Bank can be used to simulate approval, decline and failure scenarios for mandates and payments by triggering different simulated test results depending on the "magic" bank account number entered in to the checkout UX. To initiate Mock Bank you should select the BSB/Acc No. tab in our checkout UX, select the Mock Bank AU bank option and then you must enter a BSB of 111-114 as well as the "magic" account number.

For single payments (where the mandate and payment are orchestrated together in one API call), the different "magic" account numbers trigger different things at different points of time in the flow. For example the mandate "magic" numbers below trigger when the mandate is being created whereas the payment "magic" numbers trigger during the payment phase of the flow.

Approved mandate/Payment Magic Account Number:Copy URL

• 050511 - Approved
  
  Please note: The format of is value is MMPPZZ where:
  MM is the time in seconds from 01 to 98 before the mandate is processed
  PP is the time in seconds from 01 to 98 before the payment is processed
  ZZ is the simulator scenerio. A value of 11 simulates a successful mandate and payment.
  Note: The MM & PP values must not be set to 99 as this is a reserved number

Here is an example of an approved payment where the mandate takes 5 seconds to automatically get approved and the payment also takes 5 seconds to automatically get approved.

Mandate Decline Magic Account Numbers:Copy URL

• 991111 - user decline (MD16)
• 991101 - account closed (AC05)
• 991103 - Account is open but does not allow NPP Payments (AC13)
• 991100 - Invalid Debtor Account (AC02)

Payment Decline Magic Account Numbers:Copy URL

• 992120 - Insufficient funds (AM04)
• 992115 - Unsuccesful Direct Debit (AG07) - Normally Insufficient funds
• 992107 - Account closed (AC05) - Note: Only for recurring payments, for Single Payments use the mandate number listed above - 991101

Mandate Payer Cancelation Simulation Magic Account Number:Copy URL

• MM0044 - Simulate the payer approving then cancelling the mandate from their own internet banking. MM is the time in seconds from 01 to 98 simulating how long the payer takes to approve the mandate and then the same number is used for simpulated how long after that the payer cancels the mandate. For example a value of 300044 will simulate the payer taking 30 seconds to approve the mandate and then a further 30 seconds to simulate the payer cancelling the mandate on their internet banking. Note: Do not use an MM value of 99 as this is reserved.