Testing transfers

Use the Sandbox to validate Pix and TED transfers without moving real money.

In this flow, you can validate transfer creation, status changes, balance updates, and the processing of related Webhooks.

📘

By the end of this guide, you will have tested Pix and TED transfers and validated how your application processes the results.

When to use it

Use this flow to test:

  • sending money via Pix;
  • TED transfers;
  • balance updates;
  • reconciliation between accounts;
  • transfer Webhooks;
  • success and failure scenarios.

Before you start

You need to:

  1. Have a Sandbox account and API key.
  2. Have an available balance for the test.
  3. Have a registered Pix key, when using another Sandbox account as the destination.
  4. Use the transfers endpoint.

If the account has no balance, see Add balance to your Sandbox account.

Main fields

When creating a transfer, the main fields are:

FieldPurpose
valueTransfer amount
operationTypeOperation type, such as PIX or TED
pixAddressKeyDestination Pix key
bankAccountRecipient's bank details
descriptionOperation identification

See Transfer to another institution or Pix key for all of the endpoint's parameters and rules.

Test Pix transfers

In the Sandbox, you can use fictitious Central Bank keys or keys registered in other Sandbox accounts.

Option 1: use a fictitious Pix key

The keys below can be used to simulate a successfully completed transfer:

Name: João Silva
CPF/CNPJ: 99991111140
Pix key: [email protected]

Name: João Silva Silva
CPF/CNPJ: 99992222263
Pix key: [email protected]

Name: José Silva
CPF/CNPJ: 99993333387
Pix key: [email protected]

Name: José Silva Silva
CPF/CNPJ: 99994444409
Pix key: [email protected]

Name: José da Silva
CPF/CNPJ: 99995555514
Pix key: [email protected]

In this scenario:

  • the transfer is simulated as completed;
  • the amount is debited from the Sandbox account;
  • no account receives the credit;
  • no real financial institution is contacted.

Option 2: transfer between Sandbox accounts

You can also use the Pix key registered in another Sandbox account.

Sandbox Account A
        ↓
Pix transfer
        ↓
Account B's Pix key
        ↓
Sandbox Account B

In this scenario:

  • the balance is debited from the origin account;
  • the amount is credited to the destination account;
  • the balances of both accounts are updated;
  • your application can validate the debit, credit, and reconciliation flow.
⚠️

Transfers to fictitious keys do not generate a credit in another account.

To also validate receipt and the update of the destination balance, use two Sandbox accounts.

Test TED transfers

After creating a TED in the Sandbox, use the actions available in the interface to simulate the result of the operation.

Simulate a completed TED

Select the option to confirm the transfer.

The Sandbox should:

  • debit the amount from the account;
  • update the transfer status;
  • simulate the completion of the operation.

Simulate a failure

Select the option to simulate the transfer failure.

The Sandbox should:

  • update the status to failed;
  • keep or return the amount to the balance, according to the simulated behavior;
  • allow your application to handle the incomplete operation.
📘

The manual confirmation and failure actions exist only in the Sandbox.

Validate the result

A validation can follow this flow:

Add balance
      ↓
Create transfer
      ↓
Simulate the result
      ↓
Track the status
      ↓
Validate the balance
      ↓
Process the Webhook

After each test, confirm:

  • the HTTP status and the response body;
  • the ID returned by the API;
  • the change in the transfer status;
  • the debit and, when applicable, the credit of the amount;
  • receipt of the Webhooks;
  • correct processing by your application.

If the transfer is not created

Check that:

  • the account has sufficient balance;
  • the URL and the key belong to the Sandbox;
  • the Pix key was entered correctly;
  • the TED bank details are valid;
  • the required fields were sent;
  • the operation is available for testing in the Sandbox.

Differences between Sandbox and Production

SandboxProduction
Uses simulated operationsMoves real money
Accepts fictitious Pix keysRequires valid Pix keys
Lets you manually simulate the TED resultDepends on bank processing
Does not contact financial institutionsDepends on the institutions involved

A successful transfer in the Sandbox does not guarantee the completion of a similar operation in Production.

Validation checklist

Before considering the flow validated, confirm that your application:

  • validates the balance before requesting the transfer;
  • handles completed and refused operations;
  • tracks status changes;
  • processes Webhooks idempotently;
  • prevents duplicate transfers;
  • records IDs, timestamps, and results;
  • distinguishes between Sandbox and Production;
  • has logs and alerts for failures.

Next steps


Did this page help you?