generated: '2026-10-12'
method: searched
source: https://docs.moov.io/guides/get-started/test-mode/
docs: https://docs.moov.io/guides/get-started/test-mode/
description: Moov test mode simulates account and transfer scenarios without moving real money. A test account needs
  its own API key; localhost, ngrok, Netlify or Vercel domains are allowed for these keys. Wallet-to-wallet transfers
  complete almost instantly; weekday ACH transfers in test mode complete in about an hour.
modes:
- name: test
  description: Test account in Dashboard test mode with its own API key; no real money moves
- name: production
  description: Live account
rate_limit: Test accounts are limited to 10 requests per second per account ID
test_cards_declined:
- brand: Visa
  number: '4000020000000000'
  cvv: Any 3 numbers
- brand: Mastercard
  number: '5555000022220022'
  cvv: Any 3 numbers
- brand: Discover
  number: '6011000022220002'
  cvv: Any 3 numbers
- brand: American Express
  number: '3711000022220002'
  cvv: Any 4 numbers
ach_return_triggers:
- amount: $55.01
  return_code: R01
  description: Insufficient Funds
  stage: Debit originated, not completed
- amount: $55.02
  return_code: R02
  description: Account Closed
  stage: Debit originated, not completed
- amount: $55.03
  return_code: R03
  description: No Account / Unable to Locate
  stage: Credit completed
- amount: $55.04
  return_code: R04
  description: Invalid Account Number Structure
  stage: Credit completed
- amount: $55.07
  return_code: R07
  description: Authorization Revoked by Customer
  stage: Debit completed
- amount: $55.08
  return_code: R08
  description: Payment Stopped
  stage: Debit completed
- amount: $55.09
  return_code: R09
  description: Uncollected Funds
  stage: Debit originated, not completed
- amount: $55.10
  return_code: R10
  description: Customer Not Authorized
  stage: Debit completed
- amount: $55.11
  return_code: R11
  description: Entry Not in Accordance with Terms
  stage: Debit originated, not completed
- amount: $55.15
  return_code: R15
  description: Account Holder Deceased
  stage: Debit originated, not completed
- amount: $55.16
  return_code: R16
  description: Account Frozen
  stage: Debit originated, not completed
- amount: $55.20
  return_code: R20
  description: Non-Transaction Account
  stage: Debit originated, not completed
- amount: $55.24
  return_code: R24
  description: Duplicate Entry
  stage: Debit originated, not completed
- amount: $55.29
  return_code: R29
  description: Corporate Customer Not Authorized
  stage: Debit originated, not completed
plaid: 'To test linking bank accounts with Plaid, pass env: "sandbox" into the Moov.js initialization payload.'
sections:
- Switch to test mode
- Invite team members
- API keys
- Transfers
- Test mode data
- Link cards & card acceptance
- Name verification
- Postal code verification
- CVV verification
- Push & pull from card
- Tap to Pay
- Declined card transfers
- RTP
- Surcharge fees
- ACH returns
- Disputes
- Dispute evidence
- Bank accounts
- Plaid