generated: '2026-07-21'
method: searched
source: https://developers.upwardli.com/concepts/working-in-sandbox/sandbox-testing
description: >-
  Upward (Upwardli) operates a fully isolated sandbox environment with its own
  authorization and API hosts — no live financial transactions occur there.
  Sandbox access is provisioned after a signed contract; production keys are
  issued after sandbox testing and submitted test plans. Consumer
  creation/onboarding is tested with reserved SSN "area" prefixes that force
  specific KYC/underwriting outcomes, and payment-card activity is simulated
  through dedicated Simulations API endpoints (auth, funding, settlement)
  modeled in the OpenAPI. Values below are captured verbatim from the docs.
docs:
  - https://developers.upwardli.com/concepts/working-in-sandbox/introduction
  - https://developers.upwardli.com/concepts/working-in-sandbox/sandbox-testing
  - https://developers.upwardli.com/api-access/environments-and-base-ur-ls
  - https://developers.upwardli.com/guides/funding-simulating-transactions
environments:
  sandbox:
    auth_base_url: https://auth-sandbox.upwardli.com/
    api_base_url: https://api-sandbox.upwardli.com/v2
    components_url: https://component-embedded-sandbox.upwardli.com
    notes: >-
      Fully isolated; will not perform any live financial transactions. Do not
      store real consumer data. Access granted once a contract is signed.
  production:
    auth_base_url: https://auth.upwardli.com/
    api_base_url: https://api.upwardli.com/v2
    components_url: https://component-embedded.upwardli.com
    notes: >-
      Production access keys provisioned after sandbox testing and submitted
      test plans, shared via a secure sharing mechanism. All transactions are
      live financial activity.
test_values:
  ssn_area_cases:
    - {ssn_format: 401-XX-XXXX, result: "Fail Underwriting: User has Age < 18"}
    - {ssn_format: 406-XX-XXXX, result: "Fail Underwriting: User has score < 450 if more than 3 tradelines, or < 400 if less"}
    - {ssn_format: 417-XX-XXXX, result: "Fail Underwriting: User is in active Bankruptcy"}
    - {ssn_format: 422-XX-XXXX, result: "Fail KYC Database Check: Simulate email/text Fallback KYC Path"}
    - {ssn_format: 423-XX-XXXX, result: "Fail Underwriting: Frozen Credit"}
    - {ssn_format: 9XX-XX-XXXX, result: "No Credit Report: Users with ITIN will not have a credit report on file with the bureaus"}
simulation_tooling:
  api: openapi/upward-financial-openapi.json
  operations:
    - create-payment-card-sim-auth
    - create-payment-card-sim-funding
    - create-payment-card-sim-settlement