> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.monite.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.monite.com/_mcp/server.

# Testing payments

## Overview

The [sandbox](../api/concepts/environments) version of the payment page provides a list of sandbox banks that you can use to simulate user consent and test both successful and declined payments.

> **Warning**
>
> The test bank accounts and credentials work only in the Sandbox environment and cannot be used in the Production environment.

## SEPA Credit test credentials

### Belfius Bank Sandbox

* Payer country: Belgium
* Account holder name: any
* IBAN: any Belgium IBAN, for example, BE68539007547034
* No bank login required, the payment is immediately initiated after user confirmation.

### Deutsche Bank Sandbox

Maximum amount for a successful payment is 50 EUR.

Payee information (entity or counterpart on whose behalf the payment link is created):

* IBAN: DE25648730420109480400

Payer information:

* Country: Germany
* Account holder name: any
* IBAN: DE17215730140403340300
* Branch number: 615
* Account number: 4033403 or 4033411
* No bank login required

The Deutsche Bank sandbox shows a page with two buttons. Click **SCA OK** for a successful authorization scenario or **SCA NOK** for a failed authorization scenario.

![Deutsche Bank sandbox](/_fern-img/459c1c4930697f34b117643920c8e95a7bafa25db40c7c01a66e129044829057.webp)

### Deutsche Postbank Sandbox

Maximum amount for a successful payment is 50 EUR.

Payee information (entity or counterpart on whose behalf the payment link is created):

* IBAN: DE25648730420109480400

Payer information:

* Country: Germany
* Account holder name: any
* IBAN: DE17215730140403340300
* Login ID: 6154033403 or 6154033411

The bank sandbox shows a page with two buttons. Click **SCA OK** for a successful authorization scenario or **SCA NOK** for a failed authorization scenario.

### Fiducia Sandbox

This sandbox can be used to test Strong Customer Authentication (SCA) flows.

* Payer country: Germany
* Account holder name: any
* IBAN: DE39499999600000005111
* Bank login: one of:
  * `VRK1234567890ALL` - offers multiple SCA methods (mobile TAN, SecureGo, SmartTAN)
  * `VRK1234567890SMS` - simulates mobile TAN (SMS one-time password)
  * `VRK1234567890HHD` - simulates the use of SmartTAN Plus HHD 1.4 (ChipTAN)
* Bank bassword: `password`
* SCA verification code: 123456
  Other codes will be rejected and the user will need to authenticate with the bank again.

### Fineco Sandbox

* Payer country: Italy or Ireland
* Account holder name: any
* IBAN: should match the payer country. For example, you can use IT31X0301503200000003517230 for Italy or IE29AIBK93115212345678 for Ireland.
* Bank username: 00000000
* Bank password: 11111111
* PIN dispositivo: 11111111
* SMS PIN: 222222

The Fineco bank sandbox contains a page with two buttons. Click **Accetta** ("accept") to trigger successful payment, or **Rifiuta** ("refuse") to reject the payment.

![Fineco bank sandbox](/_fern-img/358fc134eb6aa552ed48afb0e6cfb244b1199aaf9c5c071c06d6002fd00eab1c.webp)

Depending on the selected option, you will see either the "payment initiated" or "payment error" screen. The status of the payment link and payment intent will be changed accordingly.

!["Payment initiated" screen](/_fern-img/54c2287a8308ba269c313a17dd3920910ff6078e86510fd08884bafacfdb5d59.webp)

### KBC Belgium Sandbox

* Payer country: Belgium
* Account holder name: any
* IBAN: any Belgium IBAN, for example, BE68539007547034
* No username and password required for bank login
* In the bank, click either **Authorize** or **Reject** depending on how you want to handle the payment.

### Modelo Sandbox

* Payer country: UK
* Bank username: `mits`
* Bank password: `mits`

### Natwest Bank Sandbox

* Payer country: UK
* Online banking login:
  * Customer number: 123456789012
  * When prompted to enter the PIN and Password, the page will display the values to enter above each text box.

### SNS Bank Sandbox

* Payer country: Netherlands
* Selecting the SNS Bank immediately redirects to the bank sandbox, no login is required.
* Click **Geef toe stemming** (Give permission) to accept the payment.