# Test Profiles
source: https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md

On this page, you will learn how to use our test banks (FinBanks) and test payroll provider (FinPayroll). You will get access to a wide variety of profiles and data to test different types of use case scenarios.

Test profiles are enabled by starting a Mastercard Data Connect (Connect) session and by logging in with specific customer credentials. To understand how to create customers and Data Connect URLs, we recommend you read the [Quick Start Guide](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md) first.

We provide the following personas and profiles:

* [Test Personas](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#test-personas)
* [Sign-in Authentication Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#sign-in-authentication-profiles)
* [Bank Account Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#bank-account-profiles)
* [OAuth Connection Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#oauth-connection-profiles)
* [Payroll Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#payroll-profiles)
* [Paystub Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#paystub-profiles)
* [MVS Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#mvs-profiles)
* [Account Opening Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#account-opening-profiles)
* [Payment Risk Insights Report Profile](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#payment-risk-insights-report-profile)
* [Payment Success Indicator Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#payment-success-indicator-profiles)
* [Transactions Profiles](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#transactions-profiles)

## Test Personas {#test-personas}

When developing an Open Finance application, it is important to test your API integration with different types of users. This will help you ensure that your app works well for various scenarios and meets the needs and expectations of your target audience. To facilitate your testing process, we provide you with a set of testing personas. Each persona represents an example of a user who might use your app. These personas have different levels of income, access to different banking products, and realistic data.

You can use these personas to simulate different user journeys and interactions with your app. For example, you can test how your app handles authentication, consent, data sharing, payments, and other features. You can also compare the results and feedback from different personas to identify any issues or areas for improvement.

Below you will see five test personas. You can use these personas through the [Mastercard Data Connect Application](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md) to grant permission to access their accounts by following these steps:

1. Create a test customer.
2. Create and open a Data Connect URL.
3. Click **Next** to agree to the Terms and Conditions, and Privacy Policy.
4. Search for the bank specified for each test persona below (for example, **FinBank Profiles A**).
5. When asked for a username and password, use the username and password for each persona as shown below.

<br />

You can use **FinBank Profiles -- A** or **FinBank Profiles -- B** . Both function the same. This enables you to test scenarios where a customer has accounts located at different banks. For example, they could have their checking account at **FinBank Profiles A** and their savings account at **FinBank Profiles B**.

![](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-persona-sue-wealthy.png)
Sue is working as a Product Manager with a good steady income, a mortgage, and multiple investment accounts. She has a loan account and leases a car. Sue travels a few times a year. She has typical expenses like groceries, clothes, entertainment, gym membership, car expenses, and she has a pet.

|  Username   |  Password   |                 Bank                  |
|-------------|-------------|---------------------------------------|
| sue_wealthy | profile_700 | FinBank Profiles A FinBank Profiles B |

![](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-persona-francis-business.png)
Francis runs a successful medium-sized local restaurant. The restaurant is turning a profit after all its expenses. The restaurant has multiple checking accounts needed to run the business with revenue from in-store sales as well as online services like DoorDash. Additionally, the restaurant has some loan accounts to cover purchases that Francis has made for new or replacement equipment.

|     Username     |  Password   |                 Bank                  |
|------------------|-------------|---------------------------------------|
| francis_business | profile_701 | FinBank Profiles A FinBank Profiles B |

![](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-persona-joe-gig.png)
Joe is a Creative Designer, Photographer and Video Editor. He works on a range of short and longer term contracts and does not have a steady consistent income. He gets paid for each job via Zelle. Joe does not have a mortgage, he rents instead. He has typical expenses like groceries, clothes, entertainment, household, and car expenses. He has some savings and no investments.

| Username |  Password   |                 Bank                  |
|----------|-------------|---------------------------------------|
| joe_gig  | profile_702 | FinBank Profiles A FinBank Profiles B |

![](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-persona-river-paycheck.png)
River works in construction. He rents an apartment and has typical expenses like groceries, clothes, entertainment, household and car expenses. He has some savings but no investments, no loans and no credit cards. In some months, River's expenses exceed his income.

|    Username    |  Password   |                 Bank                  |
|----------------|-------------|---------------------------------------|
| river_paycheck | profile_703 | FinBank Profiles A FinBank Profiles B |

![](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-persona-alex-student.png)
Alex is working full-time with a good salary but she is still paying off her student loan. She makes regular monthly repayments, but she still has over $30,000 to pay off. Alex has typical expenses like groceries, clothes, entertainment, household, and car expenses. She has limited savings and she has started an investment account.

|   Username   |  Password   |                 Bank                  |
|--------------|-------------|---------------------------------------|
| alex_student | profile_704 | FinBank Profiles A FinBank Profiles B |

## Sign-In Authentication Profiles {#sign-in-authentication-profiles}

Use these profiles to test different authentication and error scenarios when adding customer accounts. The discovery and activation responses can contain several different multi-factor authentication (MFA) challenge questions, depending on the customer's sign-in information.

1. Create a test customer.
2. Create and open a Data Connect URL.
3. Click **Next** to agree to the Terms and Conditions, and Privacy Policy.
4. Search for **Finbank**.
5. Select any bank.
6. When asked for a username and password, use user IDs and passwords from the table below.

|    Username     |            Password             |                MFA Type                 |                                                                                                                                                                                                        Testing Details                                                                                                                                                                                                        |
|-----------------|---------------------------------|-----------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| demo            | go                              | (none)                                  | Success                                                                                                                                                                                                                                                                                                                                                                                                                       |
| demo            | Codes: 123,125,127, 128, or 130 | (none)                                  | Service will fail with the error code given in the password.                                                                                                                                                                                                                                                                                                                                                                  |
| invalid_user    | go                              | (none)                                  | Returns Error 103: Invalid Credentials.                                                                                                                                                                                                                                                                                                                                                                                       |
| tfa_text        | go                              | Text-based MFA                          | If the answer to the MFA challenge is mfa, then the response is another MFA challenge.                                                                                                                                                                                                                                                                                                                                        |
| tfa_image       | go                              | Image captcha                           | Any MFA answer is accepted.                                                                                                                                                                                                                                                                                                                                                                                                   |
| tfa_choice      | go                              | Multiple text options                   | If the answer to the MFA challenge is fail, the call fails with code 187 (Invalid MFA).                                                                                                                                                                                                                                                                                                                                       |
| tfa_multi       | go                              | Same as MFA with image choice (style 1) | Any MFA answer is accepted.                                                                                                                                                                                                                                                                                                                                                                                                   |
| demo            | imagechoice                     | MFA with image choice (style 1)         | Any MFA answer is accepted.                                                                                                                                                                                                                                                                                                                                                                                                   |
| demo            | imagechoice2                    | MFA with image choice (style 2)         | Any MFA answer is accepted.                                                                                                                                                                                                                                                                                                                                                                                                   |
| discovertimeout | go                              | (none)                                  | Calls to Add All Accounts and Discover Accounts will take more than 180 seconds, for testing the client app's asynchronous handling.                                                                                                                                                                                                                                                                                          |
| activatetimeout | go                              | (none)                                  | Calls to [Refresh Customer Accounts](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md#data-refresh) and [Load Historic Transactions for Customer Account](https://developer.mastercard.com/open-finance-us/documentation/products/manage/transaction-data/index.md#load-historic-transactions) take more than 180 seconds to test the app's asynchronous handling. |

## Bank Account Profiles {#bank-account-profiles}

Bank account profiles consist of various combinations of account types, such as checking, savings, 401k, and more.

You can use **FinBank Profiles -- A** or **FinBank Profiles -- B**. Both function the same, so this enables you to test scenarios where one customer has two accounts located at a different bank.

1. Create a test customer.
2. Create and open a Data Connect URL.
3. Click **Next** to agree to the Terms and Conditions, and Privacy Policy.
4. Search for FinBank **FinBank Profiles -- A** or **FinBank Profiles -- B**.
5. When asked for a username and password, use user IDs and passwords from the table below.

Note about profiles:

* Profiles 2-8 were created from real financial institution data, but without personal identification information (PII).
* Profiles 2-9 are for general testing of our products.

| Username |  Password  |                                          Account Types                                          |                Supported Products                 |
|----------|------------|-------------------------------------------------------------------------------------------------|---------------------------------------------------|
| Any      | profile_02 | Savings, IRA, 401k, Credit Card                                                                 | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| Any      | profile_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners)                       | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| Any      | profile_04 | Checking, 403B, 529, Rollover, Mortgage                                                         | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| Any      | profile_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners)                                 | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| Any      | profile_06 | Checking, Retirement, KEOGH, 457, Credit Card                                                   | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| Any      | profile_07 | Checking, Stocks, CD, Investment TaxDeferred, Employee Stock                                    | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| Any      | profile_08 | Checking, Primary Savings, Money Market, 401A, Line of credit                                   | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| Any      | profile_09 | Checking, Savings, Checking Failed Report. Errors returned in the report include 102, 103, 185. | ach, ao, voa (failed report), voi (failed report) |

## OAuth Connection Profiles {#oauth-connection-profiles}

The profiles below are convenient to test OAuth connections between Finicity and financial institutions who have set up direct connections.

You must register for **FinBank OAuth** to gain access to the OAuth Connection profiles. Contact your account manager to help you get registered.

1. Create a test customer.
2. Create and open a Data Connect URL.
3. Click **Next** to agree to the Terms and Conditions, and Privacy Policy.
4. Search for **FinBank OAuth**.
5. When asked for a username and password, use one of the userId and password values from the table below.

|  Username  |  Password  |                                          Account Types                                          |                Supported Products                 |
|------------|------------|-------------------------------------------------------------------------------------------------|---------------------------------------------------|
| profile_02 | profile_02 | Savings, IRA, 401k, Credit Card                                                                 | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| profile_03 | profile_03 | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners)                       | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| profile_04 | profile_04 | Checking, 403B, 529, Rollover, Mortgage                                                         | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| profile_05 | profile_05 | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners)                                 | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| profile_06 | profile_06 | Checking, Retirement, KEOGH, 457, Credit Card                                                   | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| profile_07 | profile_07 | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock                                   | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| profile_08 | profile_08 | Checking, Primary Savings, Money Market, 401A, Line of credit                                   | ach, aha, ao, state_agg, trans_agg, voa, voi      |
| profile_09 | profile_09 | Checking, Savings, Checking Failed Report. Errors returned in the report include 102, 103, 185. | ach, ao, voa (failed report), voi (failed report) |

## Payroll Profiles {#payroll-profiles}

Use these profiles to test products that contain payroll data.

1. Create a consumer with the SSN and DOB from the table below.
2. Launch the Data Connect experience.
3. For direct API payroll search experiences, enter the same SSN when prompted in the Data Connect experience.
4. For credentialed payroll login experiences, launch the credentialed payroll popup, search for the payroll provider you would like to test, and enter the payroll credentials below as prompted in the login experience.

Note: If you are using an [active customer](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#active-customers) in your testing, rather than a [test customer](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#test-customers), you should connect a payroll account through the **Platformtronic** test payroll provider. This guidance applies if you are using mortgage ecosystem platforms such as nCino or ICE for your testing.

|   Borrower Name    | SSN / DOB (MM-DD-YYYY) |                                                                                                Description                                                                                                |                                 Email / Payroll username                                 | Payroll password / MFA |
|--------------------|------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------|------------------------|
| Homer Loanseeker   | 999601111 07-04-1970   | 1 active employment; salary, base                                                                                                                                                                         | [homer_loanseeker@argyle.com](mailto:homer_loanseeker@argyle.com) homer_loanseeker       | passgood 9081          |
| Jess Sea           | 999001147 07-05-1980   | 1 active employment; salary, base                                                                                                                                                                         | [jess_sea@argyle.com](mailto:jess_sea@argyle.com) jess_sea                               | passgood 9082          |
| Ann Sea            | 999009066 07-06-1986   | 1 active employment; commission only                                                                                                                                                                      | [ann_sea@argyle.com](mailto:ann_sea@argyle.com) ann_sea                                  | passgood 9083          |
| Suzi Builder       | 999606666 07-07-1995   | 2 active employments; salary, base + overtime                                                                                                                                                             | [suzi_builder@argyle.com](mailto:suzi_builder@argyle.com) suzi_builder                   | passgood 9084          |
| Alice Firstimer    | 991919991 12-27-1992   | 1 active employment; salary, base + overtime                                                                                                                                                              | [alice_firsttimer@argyle.com](mailto:alice_firsttimer@argyle.com) alice_firsttimer       | passgood 9085          |
| Lorraine Purchaser | 999565678 05-02-1985   | 1 active employment; hourly, base                                                                                                                                                                         | [lorraine_purchaser@argyle.com](mailto:lorraine_purchaser@argyle.com) lorraine_purchaser | passgood 9086          |
| Patrick Purchaser  | 999121234 09-09-1987   | 1 active employment; hourly, base                                                                                                                                                                         | [patrick_purchaser@argyle.com](mailto:patrick_purchaser@argyle.com) patrick_purchaser    | passgood 9087          |
| Andy Freddie       | 990300003 08-06-1990   | 1 active employment; salary, base + bonus + overtime + commissions, 1 terminated employment                                                                                                               | [andy_freddie@argyle.com](mailto:andy_freddie@argyle.com) andy_freddie                   | passgood 9088          |
| Dad Freddie        | 991000010 08-02-1970   | 1 active employment; salary, base + bonus                                                                                                                                                                 | [dad_freddie@argyle.com](mailto:dad_freddie@argyle.com) dad_freddie                      | passgood 9089          |
| Patrick Freddie    | 990500005 08-09-1980   | 1 active employment; base, semi-monthly, salary                                                                                                                                                           | [patrick_freddie@argyle.com](mailto:patrick_freddie@argyle.com) patrick_freddie          | passgood 9090          |
| Amy Freddie        | 990400004 08-07-1980   | 1 active employment; base + bonus, bi-weekly, salary                                                                                                                                                      | [amy_freddie@argyle.com](mailto:amy_freddie@argyle.com) amy_freddie                      | passgood 9091          |
| Suzi Freddie       | 990700007 08-06-1990   | 2 active employments; base; semi-monthly, monthly                                                                                                                                                         | [suzi_freddie@argyle.com](mailto:suzi_freddie@argyle.com) suzi_freddie                   | passgood 9092          |
| Mom Freddie        | 990110011 08-04-1970   | 2 active employments; base + bonus + overtime + commissions, bi-weekly                                                                                                                                    | [mom_freddie@argyle.com](mailto:mom_freddie@argyle.com) mom_freddie                      | passgood 9093          |
| Alice Freddie      | 990080008 08-05-1990   | 1 terminated employment; base, semi-monthly                                                                                                                                                               | [alice_freddie@argyle.com](mailto:alice_freddie@argyle.com) alice_freddie                | passgood 9094          |
| John Freddie       | 990100001 08-01-1970   | 1 active employment w/ payroll; base + bonus + commission + overtime + weekly. Child support, military, VA benefits, alimony. Note: Only base, bonus, commission, and overtime are on the payroll report. | [john_freddie@argyle.com](mailto:john_freddie@argyle.com) john_freddie                   | passgood 9095          |
| Nomoni Freddie     | 123456788 01-01-2000   | No payroll data (test 404 error)                                                                                                                                                                          | [nomoni_freddie@argyle.com](mailto:nomoni_freddie@argyle.com) nomoni_freddie             | Any string 9096        |
| Nomula Frannie     | 123456787 01-01-2000   | No payroll data (test 404 error)                                                                                                                                                                          | [nomula_frannie@argyle.com](mailto:nomula_frannie@argyle.com) nomula_frannie             | Any string 9097        |

## Paystub Profiles {#paystub-profiles}

Use these profiles to test Lend products that contain paystub data.

1. Download the relevant zip file to access a folder with a suite of test paystubs and use the paystub with the most recent (not future) date.
2. If you're using a product that contains paystub and bank data, make sure to connect a bank account through the **FinBank Profiles -- A** test institution and use one of the userId and password values from the table below.

Note: If you are using an [active customer](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#active-customers) in your testing, rather than a [test customer](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#test-customers), you should connect a bank account through the **FinBank Billable** (or **FinBank OAuth Billable**) test institution.

|   Borrower Name    | Banking UserId / Banking Password |                            Description                             |                                                                    Paystub                                                                     |
|--------------------|-----------------------------------|--------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------|
| Jess Sea           | profile_2513                      | 1 active employment; salary, base                                  | [Jess-Sea.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Jess-Sea.zip) (1MB)                       |
| Ann Sea            | profile_2514                      | 1 active employment; commission only                               | [Ann-Sea.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Ann-Sea.zip) (671KB)                       |
| Alice Firstimer    | profile_1019                      | 1 active employment; salary, base + overtime                       | [Alice-Firstimer.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Alice-Firstimer.zip) (717KB)       |
| Lorraine Purchaser | profile_1020                      | 1 active employment; hourly, base                                  | [Lorraine-Purchaser.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Lorraine-Purchaser.zip) (742KB) |
| Patrick Purchaser  | profile_1021                      | 1 active employment; hourly, base                                  | [Patrick-Purchaser.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Patrick-Purchaser.zip) (740KB)   |
| David Burton       | profile_1027                      | 1 active employment; split direct deposit                          | [David-Burton.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/David-Burton.zip) (3MB)               |
| Andy Miller        | profile_1018                      | 1 active employment; salary, base                                  | [Andy-Miller.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Andy-Miller.zip) (711KB)               |
| Andy Freddie       | profile_2511                      | 1 active employment; salary, base + bonus + overtime + commissions | [Andy-Freddie.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Andy-Freddie.zip) (1MB)               |
| Dad Freddie        | profile_540                       | 1 active employment; salary, base + bonus                          | [Dad-Freddie.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Dad-Freddie.zip) (736KB)               |
| Suzi Freddie       | profile_2512                      | 2 active employments; base; semi-monthly, monthly                  | [Suzi-Freddie.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Suzi-Freddie.zip) (739KB)             |

## MVS Profiles {#mvs-profiles}

Use these profiles to test Mortgage Verification Service (MVS) products.

1. Create a consumer with the SSN and DOB from the table below.
2. For direct API payroll search experience, enter the same SSN when prompted in the Data Connect experience.
3. For credentialed payroll login experiences, launch the credentialed payroll popup, search for the payroll provider you would like to test, and enter the payroll credentials as shown above in the [Payroll Profiles table](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#payroll-profiles) when prompted in the login experience.
4. For products with paystub data, download the zip file to access a folder with a suite of test paystubs and use the paystub with the most recent (not future) date.
5. If you're using a product that contains paystub and bank data, make sure to connect a bank account through the **FinBank Profiles -- A** test institution and use one of the userId and password values from the table below.
6. The profiles with [GSE](https://developer.mastercard.com/open-finance-us/documentation/glossary/index.md#government-sponsored-enterprise-gse) names listed have been set up to match Freddie Mac and Fannie Mae test profile requirements for end to end testing of GSE solutions.

Note: If you are using an [active customer](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#active-customers) in your testing, rather than a [test customer](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#test-customers), you should connect a bank account through the **FinBank Billable** (or **FinBank OAuth Billable**) test institution, and credentialed payroll accounts through the Platformtronic test payroll provider. This also applies if you are using mortgage ecosystem platforms such as nCino or ICE for your testing.

|   Consumer Name    | SSN / DOB (MM-DD-YYYY) |                                                                                                Description                                                                                                | Banking UserId / Banking Password |                                                                    Paystub                                                                     |   GSE   |   |   |
|--------------------|------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------|---------|---|---|
| Homer Loanseeker   | 999601111 07-04-1970   | 1 active employment; salary, base                                                                                                                                                                         | profile_2509                      | (n/a)                                                                                                                                          | Fannie  |   |   |
| Jess Sea           | 999001147 07-05-1980   | 1 active employment; salary, base                                                                                                                                                                         | profile_2513                      | [Jess-Sea.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Jess-Sea.zip) (1MB)                       | Fannie  |   |   |
| Ann Sea            | 999009066 07-06-1986   | 1 active employment; commission only                                                                                                                                                                      | profile_2514                      | [Ann-Sea.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Ann-Sea.zip) (671KB)                       | Fannie  |   |   |
| Suzi Builder       | 999606666 07-07-1995   | 2 active employments; salary, base + overtime                                                                                                                                                             | profile_2510                      | (n/a)                                                                                                                                          | Fannie  |   |   |
| Alice Firstimer    | 991919991 12-27-1992   | 1 active employment; salary, base + overtime                                                                                                                                                              | profile_1019                      | [Alice-Firstimer.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Alice-Firstimer.zip) (717KB)       | Fannie  |   |   |
| Lorraine Purchaser | 999565678 05-02-1985   | 1 active employment; hourly, base                                                                                                                                                                         | profile_1020                      | [Lorraine-Purchaser.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Lorraine-Purchaser.zip) (742KB) | Fannie  |   |   |
| Patrick Purchaser  | 999121234 09-09-1987   | 1 active employment; hourly, base                                                                                                                                                                         | profile_1021                      | [Patrick-Purchaser.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Patrick-Purchaser.zip) (740KB)   | Fannie  |   |   |
| Andy Freddie       | 990300003 08-06-1990   | 1 active employment; salary, base + bonus + overtime + commissions, 1 terminated employment                                                                                                               | profile_2511                      | [Andy-Freddie.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Andy-Freddie.zip) (1MB)               | Freddie |   |   |
| Dad Freddie        | 991000010 08-02-1970   | 1 active employment; salary, base + bonus                                                                                                                                                                 | profile_540                       | [Dad-Freddie.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Dad-Freddie.zip) (736KB)               | Freddie |   |   |
| Patrick Freddie    | 990500005 08-09-1980   | 1 active employment; base, semi-monthly, salary                                                                                                                                                           | (n/a)                             | (n/a)                                                                                                                                          | Freddie |   |   |
| Amy Freddie        | 990400004 08-07-1980   | 1 active employment; base + bonus, bi-weekly, salary                                                                                                                                                      | (n/a)                             | (n/a)                                                                                                                                          | Freddie |   |   |
| Suzi Freddie       | 990700007 08-06-1990   | 2 active employments; base; semi-monthly, monthly                                                                                                                                                         | profile_2512                      | [Suzi-Freddie.zip](https://static.developer.mastercard.com/content/open-finance-us/uploads/test-profiles/Suzi-Freddie.zip) (739KB)             | Freddie |   |   |
| Mom Freddie        | 990110011 08-04-1970   | 2 active employments; base + bonus + overtime + commissions, bi-weekly                                                                                                                                    | (n/a)                             | (n/a)                                                                                                                                          | Freddie |   |   |
| Alice Freddie      | 990080008 08-05-1990   | 1 terminated employment; base, semi-monthly                                                                                                                                                               | (n/a)                             | (n/a)                                                                                                                                          | Freddie |   |   |
| John Freddie       | 990100001 08-01-1970   | 1 active employment w/ payroll; base + bonus + commission + overtime + weekly. Child support, military, VA benefits, alimony. Note: Only base, bonus, commission, and overtime are on the payroll report. | profile_2260                      | (n/a)                                                                                                                                          | Freddie |   |   |
| Nomoni Freddie     | 123456788 01-01-2000   | No payroll data (test 404 error)                                                                                                                                                                          | (n/a)                             | (n/a)                                                                                                                                          | Freddie |   |   |
| Nomula Frannie     | 123456787 01-01-2000   | No payroll data (test 404 error)                                                                                                                                                                          | (n/a)                             | (n/a)                                                                                                                                          | Freddie |   |   |

## Account Opening Profiles {#account-opening-profiles}

Use these profiles to test various scenarios for account opening use cases:
Note: If you are requesting account owner with [identity insights](https://developer.mastercard.com/open-finance-us/documentation/products/pay/verification-account-owner/index.md#identity-insights-beta) in your testing, note that the Finbank Oauth institution must be used.

|             Owner Name(s)             | Banking UserId / Banking Password |                                Description                                |   Products   |                  Supported Institution(s)                   |
|---------------------------------------|-----------------------------------|---------------------------------------------------------------------------|--------------|-------------------------------------------------------------|
| Jess Sea                              | profile_02                        | Savings, IRA, 401k, Credit Card                                           | ach, ao      | FinBank Profiles -- A, FinBank Profiles -- B, Finbank OAuth |
| Ann Sea                               | profile_03                        | Checking, Personal Investment, 401K, Roth, Savings (Joint Account owners) | ach, ao      | FinBank Profiles -- A, FinBank Profiles -- B, Finbank OAuth |
| Alice Firstimer                       | profile_04                        | Checking, 403B, 529, Rollover, Mortgage                                   | ach, ao      | FinBank Profiles -- A, FinBank Profiles -- B, Finbank OAuth |
| Lorraine Purchaser                    | profile_05                        | Checking, Investment, Stocks, UGMA, UTMA (Joint Account owners)           | ach, ao      | FinBank Profiles -- A, FinBank Profiles -- B, Finbank OAuth |
| Patrick Purchaser                     | profile_06                        | Checking, Retirement, KEOGH, 457, Credit Card                             | ach, ao      | FinBank Profiles -- A, FinBank Profiles -- B, Finbank OAuth |
| David Burton                          | profile_07                        | Checking, Stocks, CD, Investment Tax-Deferred, Employee Stock             | ach, ao      | FinBank Profiles -- A, FinBank Profiles -- B, Finbank OAuth |
| Andy Miller                           | profile_08                        | Checking, Primary Savings, Money Market, 401A, Line of credit             | ach, ao      | FinBank Profiles -- A, FinBank Profiles -- B, Finbank OAuth |
| Homer Loanseeker                      | profile_7000                      | Checking, primary owner                                                   | ach, ao, ao+ | Finbank OAuth                                               |
| Homer Loanseeker, Lorraine Loanseeker | profile_7002                      | Checking, joint owners                                                    | ach, ao, ao+ | Finbank OAuth                                               |
| Patrick Freddie, Lorraine Freddie     | profile_7003                      | Checking, Savings; joint owners                                           | ach, ao, ao+ | Finbank OAuth                                               |

## Payment Risk Insights Report Profile {#payment-risk-insights-report-profile}

Use the following information to test the Payment Risk Insights Report:

1. Create a [test customer](https://developer.mastercard.com/open-finance-us/documentation/customer-records/index.md#customers).
2. Create and open a [Data Connect URL](https://developer.mastercard.com/open-finance-us/documentation/connect/generate-2-connect-url-apis/index.md).
3. Search for **FinBank Profiles -- A** in the Data Connect UI.
4. Use the following username and password:

|   Username   |   Password   |
|--------------|--------------|
| profile_3400 | profile_3400 |

See also:

* [Quick Start Guide](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md)
* [API Reference](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md)

## Payment Success Indicator Profiles {#payment-success-indicator-profiles}

The profiles below have been set up to allow you to test responses for different Payment Success Indicator (PSI) scenarios. The profiles have different balances and account histories and will generate different PSI scores for different settlement amounts and settlement days.

These profiles will work with **Finbank Profiles - A**.

1. Create a test customer.
2. Create and open a [Data Connect URL](https://developer.mastercard.com/open-finance-us/documentation/connect/index.md) (we recommend that you provide a webhook URL to Data Connect, so you can receive data about the customer bank account relating to the profile chosen in the Data Connect UI).
3. Search for **FinBank Profiles -- A** in the Data Connect UI.
4. When asked for a username and password, use usernames and passwords from the table below. Note that in each case the username and password are identical.
5. You can then use the account data captured by your webhook listener when you logged in using the test profile to obtain the necessary data to use in a PSI call (you will need the `customerId` and `accountId`, then you can try different values for `settlementAmount` and `settleByDate`.)

As an alternative to using a webhook, you can call [Get Customer Accounts](https://developer.mastercard.com/open-finance-us/documentation/products/manage/account-aggregation/index.md) to find the appropriate account ID.

The following table lists the test profiles, their current balance, and the `scoreIndicator` value which will be returned when you specify a `settlementAmount` of either $10, $100, $1000, or more than $1000, in your PSI call.
{#fnref:1}

| Username/Password | Balance^[1](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#fn:1)^ |                   $10                   |                         $100                         |                  $1000                   |                $1000+                |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------|------------------------------------------------------|------------------------------------------|--------------------------------------|
| profile_1151      | $4.90                                                                                                                            | High Risk                               | N/A                                                  | N/A                                      | N/A                                  |
| profile_1153      | ($33.97)                                                                                                                         | High Risk                               | N/A                                                  | N/A                                      | N/A                                  |
| profile_1154      | $3,977.79                                                                                                                        | Low Risk                                | Low Risk                                             | Medium Risk                              | ($2000 settlementAmount) High Risk   |
| profile_1155      | $915.64                                                                                                                          | Day 0 Medium Risk, days 1-9 High Risk   | High Risk                                            | N/A                                      | N/A                                  |
| profile_1156      | $1,123.22                                                                                                                        | Days 0-6 Medium Risk, days 7-9 Low Risk | Medium Risk                                          | Days 0-6 High Risk, days 7-9 Medium Risk | ($2000 settlementAmount) High Risk   |
| profile_1157      | ($158.17)                                                                                                                        | High Risk                               | N/A                                                  | N/A                                      | N/A                                  |
| profile_1158      | ($23.24)                                                                                                                         | High Risk                               | N/A                                                  | N/A                                      | N/A                                  |
| profile_1160      | $941.66                                                                                                                          | High Risk                               | N/A                                                  | N/A                                      | N/A                                  |
| profile_1162      | $249.48                                                                                                                          | Medium Risk                             | Days 0-4 \& 7-9 High Risk, days 5-6 Medium Risk      | High Risk                                | N/A                                  |
| profile_1163      | $19,935.76                                                                                                                       | Medium Risk                             | Days 0-4 \& 7 Medium Risk, days 5-6 \& 8-9 High Risk | High Risk                                | N/A                                  |
| profile_1165      | $3,705.37                                                                                                                        | Low Risk                                | Low Risk                                             | Days 0-5 Low Risk, days 6-9 Medium Risk  | ($2000 settlementAmount) Medium Risk |
| profile_1166      | $147.47                                                                                                                          | High Risk                               | High Risk                                            | N/A                                      | N/A                                  |
| profile_1167      | $208.80                                                                                                                          | Medium Risk                             | High Risk                                            | N/A                                      | N/A                                  |
| profile_1168      | ($19.17)                                                                                                                         | Days 0-3 Medium Risk, days 4-9 Low Risk | Day 0 High Risk, days 1-9 Medium Risk                | High Risk                                | N/A                                  |

## Transactions Profiles {#transactions-profiles}

Use these profiles to test scenarios involving transaction history, such as using [Recurring Transactions](https://developer.mastercard.com/open-finance-us/documentation/products/manage/recurring-transactions/index.md).

1. Create a test customer.
2. Create and open a Data Connect URL.
3. Search for a financial institution supported by the profile you want to use, for example **FinBank Profiles -- A**.
4. When prompted, enter the username and password from the table.

Note that you will need to contact your Mastercard account manager to enable **Finbank OAuth** if you want to use
the OAuth profiles.

|   Username   |   Password   |                    Description                    |                  Supported Institution(s)                   |
|--------------|--------------|---------------------------------------------------|-------------------------------------------------------------|
| profile_1000 | profile_1000 | No transactions                                   | FinBank Profiles -- A, FinBank Profiles -- B                |
| profile_1500 | profile_1500 | Subscription transactions in various categories   | FinBank Profiles -- A, FinBank Profiles -- B, FinBank OAuth |
| profile_1501 | profile_1501 | Subscription transactions in various categories   | FinBank Profiles -- A, FinBank Profiles -- B, FinBank OAuth |
| profile_1502 | profile_1502 | Subscription transactions in various categories   | FinBank Profiles -- A, FinBank Profiles -- B, FinBank OAuth |
| profile_1503 | profile_1503 | Subscription transactions in various categories   | FinBank Profiles -- A, FinBank Profiles -- B, FinBank OAuth |
| profile_1725 | profile_1725 | Three accounts with \~5k transactions per account | FinBank Profiles -- A, FinBank Profiles -- B                |
| profile_2130 | profile_2130 | One transaction on the 5th of each month          | FinBank Profiles -- A, FinBank Profiles -- B                |

## See Also {#see-also}

* [Quick Start Guide](https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/index.md)
* [Using the Postman Collection](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/postman-collection/index.md)
* [Generating an API Client Library](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/generating-an-api-client-library/index.md)
* [API Reference](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md)

*** ** * ** ***

1. Brackets denote a negative balance. [↩︎](https://developer.mastercard.com/open-finance-us/documentation/integration-and-testing/test-the-apis/index.md#fnref:1)

   {#fn:1}
{#fn:1}