Test Accounts

Testing/UAT (https://api-beta.bridg.money) talks to a mock bank that mirrors SIB's behaviour. The accounts below are pre-seeded — use them as your beneficiary's accountNumber + ifsc to exercise each rail without moving real money.

Do not use these accounts on production. Production uses real credentials, real bank routing, and live wallet balances.

SELF (intra-bank)

Field	Value
Beneficiary account number	0002053000010425
Account name	BEENA DENNY
transactionType	S

NEFT / other-bank

Field	Value
Beneficiary account number	0574050000000449
IFSC	CSBK0000237
transactionType	N

IMPS / other-bank

Field	Value
Beneficiary account number	123456041
IFSC	UTIB0000119
transactionType	I

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Forcing terminal states

For deterministic testing, the mock bank returns a final state based on the last digit of the amount in paise:

• Amount ending in 00 → Successful (status 11)
• Amount ending in 12 → Failed (status 12)
• Anything else → InProgress for ~5s, then Successful

So a 100.00 payout (10000 paise, ends in 00) lands as Successful. A 100.12 payout (10012 paise, ends in 12) lands as Failed. Tune to your test matrix.

What to verify

• Successful payout reaches public status 11 and returns a bank reference in transactionReference / webhook utr when available.
• Failed payout reaches public status 12 and reverses amount + commission + GST back to the wallet.
• Pending payout remains 3 or 4 until the status poller resolves it.
• Webhook payloads are signed and include payoutWebhookId, transactionId, payoutTransactionId, merchantReferenceId, responseCode, responseMessage, utr, and transactionReference.