Cross-Border Payouts

Before taking your integration live, we recommend you to test your integration thoroughly in development mode. Use our Test Mode simulation to simulate various positive and negative scenarios and ensure the flows in your integration are handled correctly.

Note: We recommend using Postman collections for testing. Please see our postman integrations page for more details on how to set up your collections.

Before you start

Important Note
Simulation is only available in Test Mode. Ensure you are using a Development API Key to test.

Ensure that you have the right API Key for the currency you want to test
- One currency = One dashboard account = One API key
- If you want to payout to currency: PHP, then you must create a dashboard where country of operation: Philippines and create an API Key with Money Out Read and Write permission from that dashboard
- If you would also like to payout to currency: IDR, then you must create another dashboard account where country of operation: Indonesia and similarly create an API Key using that dashboard account

Test Guideline

Test calling all Cross Border Payouts endpoints that you are implementing
Test as much simulation scenarios as possible according to your use case
Ensure your subscribed webhook events are received and handled in your integration

Simulation Scenarios

Call Create Cross Border Payouts API using any of the following test details to simulate the scenario you’re testing.

Positive Scenarios

Scenario	Criteria	Expected Result
Successful remittance to Indonesia Channel	First, create new customers representing the sender and recipient. Use the following values for the recipient customer: Option 1 identity_accounts company: ID_PANIN properties: account_holder_name: Maria Wenger account_number: 818181 Option 2 identity_accounts company: ID_OVO properties: account_holder_name: Ari Fernandes account_number: 081234567890 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will complete remittance and send a callback to your callback URL with status: “SUCCEEDED”
Successful remittance to Philippine Channel	First, create new customers representing the sender and recipient. Use the following values for the recipient customer: identity_accounts company: PH_BDO properties account_holder_name: Kal Stones account_number: 828282 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will complete remittance and send a callback to your callback URL with status: “SUCCEEDED”
Successful remittance to Singapore Channel	First, create new customers representing the sender and recipient. Use the following values for the recipient customer: identity_accounts company: SG_BOC properties account_holder_name: Ruth Langmore account_number: 838383 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will complete remittance and send a callback to your callback URL with status: “SUCCEEDED”
Successful remittance to Thailand Channel	First, create new customers representing the sender and recipient. Use the following values for the recipient customer: identity_accounts company: TH_SCB properties account_holder_name: Justin Morph account_number: 267267 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will complete remittance and send a callback to your callback URL with status: “SUCCEEDED”
Remittance has been assessed to be medium or high risk and requires compliance verification. Remittance is eventually approved by compliance and succeeds	First, create customers representing the sender and recipient. Use the following values for the recipient customer: Option 1 identity_accounts company: ID_MANDIRI properties account_holder_name: Evan Dimas account_number: 808080 Option 2 identity_accounts company: Anything properties account_holder_name: Anything account_number: 87778798 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will send a callback to your callback URL with status: “PENDING_COMPLIANCE_ASSESSMENT” Then, will send a second callback to your callback URL with status: “SUCCEEDED”
Remittance transaction is stuck in compliance assessment	First, create customers representing the sender and recipient. Use the following values for the recipient customer: Option 1 identity_accounts company: ID_MANDIRI properties account_holder_name: Shawn account_number: 898989 Option 2 identity_accounts company: Anything properties account_holder_name: Anything account_number: 4455445544 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will send a callback to your callback URL with status: “PENDING_COMPLIANCE_ASSESSMENT”
Successful remittance to Indonesia Cash Channel	First, create customers representing the sender and recipient. Use the following values for the recipient customer: identity_accounts company: ID_ALFAMART properties payment_code: 898900 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will send a callback to your callback URL with disbursement_code and status: “READY” Then,will send a callback to your callback URL with status: “LOCKED” Then,will complete remittance and send a callback to your callback URL with status: “SUCCEEDED”
Simulate an online remittance cancellation flow	First, create customers representing the sender and recipient. Use the following values for the recipient customer: identity_accounts company: ID_MANDIRI properties account_holder_name: Gustafo Vring account_number: 10101010 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Remittance status will remain on ACCEPTED. You can then try a Cancel Remittance request
Cash remittance ready to pick up	First, create customers representing the sender and recipient. Use the following values for the recipient customer: identity_accounts company: ID_ALFAMART properties payment_code: 898911 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Will send a callback to your callback URL with disbursement_code and status: “READY” Remittance status will remain on READY.
Simulate a cash remittance cancellation flow	First, create customers representing the sender and recipient. Use the following values for the recipient customer: identity_accounts company: ID_ALFAMART properties payment_code: 898911 Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids	Remittance status will remain on READY. You can then try a Cancel Remittance request
Successful remittance to Singapore Channel	First, create new customers representing the sender and recipient. Use the following values for the recipient customer: Option 1 identity_accounts company: SG_DBS properties: account_number: 818181	Will complete remittance and send a callback to your callback URL with status: “SUCCEEDED”

Negative scenarios

Scenario

Criteria

Expected Result

Remittance has been assessed to be medium or high risk and requires compliance verification. Remittance is eventually rejected by compliance

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

Option 1

identity_accounts
- company: ID_MANDIRI
- properties
  - account_holder_name: Cynthia Rodriguez
  - account_number: 909090

Option 2

identity_accounts
- company: Anything
- properties
  - account_holder_name: Anything
  - account_number: 987654321

Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids

Will send a callback to your callback URL with status: “PENDING_COMPLIANCE_ASSESSMENT”

Then, we will send a second callback to your callback URL with status: “COMPLIANCE_REJECTED

Destination account does not exist/is invalid.

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

identity_accounts
- company: ID_MANDIRI
- properties
  - account_holder_name: Teo Alcantara
  - account_number: 4567890

Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids

Will send a callback to your callback URL with status: “FAILED”

and failure_code: “INVALID_DESTINATION”

Transaction has been rejected by the destination channel without a clear error reason

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

identity_accounts
- company: ID_CIMB
- properties
  - account_holder_name: Ichwan De Bruyne
  - account_number: 8787878

Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids

Will send a callback to your callback URL with status: “FAILED”

and failure_code: "REJECTED_BY_CHANNEL"

Transaction failed because of a known temporary issue

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

identity_accounts
- company: PH_OMNI
- properties
  - account_holder_name: Ayrton Da Silva
  - account_number: 868686

Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids

Will send a callback to your callback URL with status: “FAILED”

and failure_code: “TEMPORARY_TRANSFER_ERROR”

Insufficient Balance

First, create customers representing the sender and recipient (which field detail is different with above specifications)

Then, Create remittance payout request with amount greater than the balance you have

Will send a callback to your callback URL with status: “FAILED”

and failure_code: “INSUFFICIENT_BALANCE”

Cash remittance expired

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

identity_accounts
- company: ID_ALFAMART
- properties
  - payment_code: 898922

Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids

Will send a callback to your callback URL with disbursement_code and status: “READY”

Then,will send a callback to your callback URL with status: “EXPIRED”

Singapore bank networks have rejected the transaction due to maintenance or unknown reason

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

identity_accounts
- channel_code: SG_DBS
- properties
  - account_number: 999999

Payout will be FAILED with failure_code = REJECTED_BY_CHANNEL

Destination account does not exist/is invalid for Singapore channel

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

identity_accounts
- company: SG_BOC
  - properties
  - account_holder_name: Darlene Snell
  - account_number: 733810

Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids

Will send a callback to your callback URL with status: “FAILED”

and failure_code: “INVALID_DESTINATION”

Destination account does not exist/is invalid for Thailand channel

First, create customers representing the sender and recipient. Use the following values for the recipient customer:

identity_accounts
- company: TH_SCB
properties
- account_holder_name: Harry Johnson
- account_number: 588372

Then create a Remittance using required params (refer to Create Remittance Payout) and the above sender and recipient customer ids

Will send a callback to your callback URL with status: “FAILED”

and failure_code: “INVALID_DESTINATION”