Use payout simulators to troubleshoot issues with available balance payouts to linked bank accounts in a controlled environment. By simulating payout errors and edge cases, you can prepare steps for handling potential errors in the Sandbox before going live.
Note
The Merchant portal shows a Payouts page in the left navigation panel, while the Partner portal shows a Withdrawals page. Although both pages have the same functionality and portal location, they are slightly different in titles and naming conventions.
Activate Payout Simulators
Trigger each simulator by entering a specific withdrawal amount. Unlike other simulators, all payout simulator triggers work on both Vantiv and VCore platforms for seamless cross-platform payout response simulation.
To trigger a payout simulator:
Select Withdrawals in the left navigation panel.
Click Schedule Withdrawal.
Select One Time from the How Often dropdown.
Use one of the following triggers for the Amount field to simulate a payout processing error:
Trigger Amount
Simulator Response Message
$101.25
Insufficient funds
$201.26
Account closed
$301.27
Unable to locate account or no account
$401.28
Invalid account number
$501.29
Unauthorized debit to consumer account using Corporate SEC code
$601.31
Returned due to request of ODFI
Select Actual from the Amount Type dropdown.
Click Create Withdrawal.
Result: The payout simulator returns the platform simulator response message aligned with the amount.
Important!
Payouts in the sandbox environment follow the same processing timeline as in production, so the payout simulator doesn’t return an immediate response message. See Disbursement Processing Cycle and Timeline for details on when payouts are processed.
Do not use values outside the specified triggers to activate Sandbox simulators. Non-trigger values return standard successful server responses for normal testing.
Check Simulator Responses
When triggering the payout simulator with a relevant amount, an artificial platform response is returned with a message explaining the reason.
To find the platform payout simulator response messages:
Select Withdrawals in the left navigation panel.
Select the relevant withdrawal from the Withdrawal History section to open the Withdrawal Details page.
Review the Alerts section.
Result: The Alerts section displays a list of all platform responses to the payout. For payouts using simulator trigger amounts, the Alerts section shows the applicable simulator response message.