Sandbox Testing
The sandbox environment mirrors production but uses simulated payment providers. No real money moves, and you can reset test data at any time.
Sandbox Base URL
https://api.korastratum.com/api/v1/banking
All endpoint paths are the same as production. Both environments use the same base URL — your API key prefix determines the environment.
Test Credentials
| Field | Value |
|---|---|
| Tenant ID | fmfb |
testuser@example.com | |
| Password | TestPass123! |
| 2FA Code | 000000 (always accepted in sandbox) |
Test Accounts
The sandbox comes pre-seeded with test wallets:
| Account Number | Name | Balance (NGN) | Type |
|---|---|---|---|
0000000001 | Test User One | 10,000,000.00 | main |
0000000002 | Test User One | 5,000,000.00 | savings |
0000000003 | Test User Two | 2,500,000.00 | main |
Simulated Transfers
External Transfers (NIBSS)
In sandbox mode, external transfers are simulated:
| Recipient Account | Behavior |
|---|---|
1111111111 | Succeeds immediately |
2222222222 | Succeeds after 30-second delay |
3333333333 | Fails with INSUFFICIENT_FUNDS |
4444444444 | Fails with INVALID_ACCOUNT |
5555555555 | Times out (simulates network failure) |
Name Enquiry
POST /api/v1/transfers/validate-recipient
| Account Number | Bank Code | Returns |
|---|---|---|
1111111111 | Any | JANE SMITH |
2222222222 | Any | BOB JOHNSON |
3333333333 | Any | ALICE WILLIAMS |
9999999999 | Any | Error: ACCOUNT_NOT_FOUND |
Simulated Bill Payments
| Customer Reference | Behavior |
|---|---|
08011111111 | Payment succeeds |
08022222222 | Payment fails (invalid customer) |
04500000001 | Electricity payment succeeds |
04500000002 | Electricity payment fails |
Simulated Loans
In sandbox mode, loan applications are auto-approved after 5 seconds regardless of amount. This lets you test the full lifecycle:
- Submit application → status:
submitted - Wait 5 seconds → status:
approved - Disbursement happens automatically → status:
disbursed - Repayment schedule is generated
Simulated Fraud Detection
The fraud check endpoint returns predictable results in sandbox:
| Amount Range | Risk Level | Decision |
|---|---|---|
| ₦0 – ₦100,000 | low | approve |
| ₦100,001 – ₦500,000 | medium | approve |
| ₦500,001 – ₦1,000,000 | high | review |
| > ₦1,000,000 | critical | block |
Rate Limits
Sandbox has higher rate limits to facilitate testing:
| Endpoint Group | Sandbox Limit | Production Limit |
|---|---|---|
| General | 1,000 / 15 min | 100 / 15 min |
| Authentication | 500 / 15 min | 50 / 15 min |
Testing Webhooks
Use a tunnel service (e.g., ngrok) to receive webhook deliveries locally:
ngrok http 3000
Register your tunnel URL as a webhook endpoint in the admin portal. Sandbox webhook deliveries are instant — no retry delays.
Reset Test Data
Contact support or use the admin portal to reset your sandbox tenant to the default seed data.
Differences from Production
| Feature | Sandbox | Production |
|---|---|---|
| Real money | No | Yes |
| NIBSS/Interswitch | Simulated | Live |
| Loan approval | Auto (5s) | Manual workflow |
| Fraud detection | Predictable by amount | AI-powered |
| 2FA codes | Always 000000 | Real TOTP |
| Webhook retries | Instant | Exponential backoff |
| Rate limits | 10x higher | Standard |
Next Steps
- Quickstart — Walk through the full integration flow.
- Server Integration — Backend proxy setup.
- Webhooks — Set up webhook receivers.