Mock Bank Simulator
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 UX
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:
- 050511 - Approved
Please note: The format of is value is XXYYZZ where:
XX is the time in seconds before the mandate is processed
YY is the time in seconds before the payment is processed
ZZ is the simulator scenerio. A value of11simulates a successful mandate and payment. \
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:
- 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:
- 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