Test Data

Before going live with an integration, we recommend testing a few different scenarios in your testing environment which we have outlined in Full Spectrum Testing Scenarios and LTO-Only Testing Scenarios. Testing should always be completed against our sandbox environment.

We have data mocks in our sandbox environment so that we are able to easily test the different possible scenarios for an application. The values you send to get your desired outcome depend on your financing type and application type. As a reminder, the possible financing types are:

Full Spectrum: This is our single application that allows customers to apply and receive an approval for the best product for which they qualify (loan or lease-to-own).

Lease-to-own: For our lease-to-own product, the customer will own their items when they make their last payment. For a lease application, no credit history is needed and early purchase options are available to the customer. Regular lease payments are deducted on payday.

The possible integration types are:

E-commerce (Ecomm) Application: an ecomm application is an application that will be completed from start to finish online via our APIs. This application cannot be resumed from any other Koalafi systems and must be conducted 100% through our APIs. This is the most common type of app and should be used unless you have talked to the Koalafi team about doing a B&M integration.

Brick & Mortar (B&M) Application: a B&M application is an application that is created through our APIs and then can be finished either through our APIs or completing the application in the Koalafi dealer portal.

Both financing and integration types are based on the integration. At this point in the process, you should have already know your integration and financing type and built your integration accordingly. You only need to look at the test data section in this document that applies to your integration.

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Unique Test Data

Regardless of integration type, you will always need to use a unique 10 digit phone number and social security number while testing. Common patterns such as 123-456-7890 for phone number and 111-11-1111 for SSN have already been taken, so we recommend picking a random phone number and SSN combination and then increment those by 1 for each new customer test.

You can always test whether a phone number and SSN combo is eligible for financing by doing a Customer Lookup before testing.

Full Spectrum (Ecomm)

By default, our sandbox full spectrum environment is configured to approve every applicant for a loan. The only way to get another result is to pass in specific pre-defined values in predefined fields. Our mocks check these fields for these values and will return the appropriate outcome. The table below defines the different scenarios and how to get them.

To use this table, you would find the scenario you are interested in replicating and then pass the values in the table for the indicated fields. For example, to get declined for a lease and a loan when applying you would send Address Line 1: 011000390 and a zip of 11111 as part of the billing address.

ScenarioFieldsNotes
Lease ApprovalBilling Address Line 2: 011000028
zip: 11111
Use these fields anytime you need to supply billing address.
Lease Soft DeclineBilling Address Line 2: 011000536
zip: 11111
Use these fields anytime you need to supply billing address.
Loan Soft Declinezip: 66666Use this field anytime you need to supply billing address.
Full Decline (Lease & Loan)Billing Address Line 2: 011000390
zip: 11111
Use these fields anytime you need to supply billing address.

Full Spectrum (B&M)

By default, our sandbox full spectrum environment is configured to approve every applicant for a loan. The only way to get another result is to pass in specific pre-defined values in predefined fields. Our mocks check these fields for these values and will return the appropriate outcome. The table below defines the different scenarios and how to get them.

To use this table, you would find the scenario you are interested in replicating and then pass the values in the table for the indicated fields. For example, to get declined for a lease and a loan when applying you would send routingNumber: 011000390 and a zip of 11111 as part of the billing address.

ScenarioFieldsNotes
Lease ApprovalroutingNumber: 011000028
zip: 11111
Use these fields anytime you need to supply billing address.
Lease Soft DeclineroutingNumber: 011000536
zip: 11111
Use zip anytime you need to supply billing address and use routingNumber anytime you need to supply bankAccount
Loan Soft Declinezip: 66666Use this field anytime you need to supply billing address.
Full Decline (Lease & Loan)routingNumber: 011000390
zip: 11111
Use these fields anytime you need to supply billing address.

Lease-to-own (Ecomm)

By default, our sandbox lease-to-own environment is configured to approve every applicant for a lease. The only way to get another result is to pass in specific pre-defined values in predefined fields. Our mocks check these fields for these values and will return the appropriate outcome. The table below defines the different scenarios and how to get them.

To use this table, you would find the scenario you are interested in replicating and then pass the values in the table for the indicated fields. For example, to get declined for a lease when applying you would send Address Line 1: 011000390 and a zip of 11111 as part of the billing address.

ScenarioFieldsNotes
Lease Soft DeclineBilling Address Line 2: 011000536
zip: 11111
Use these fields anytime you need to supply billing address.
Lease DeclineBilling Address Line 2: 011000390
zip: 11111
Use these fields anytime you need to supply billing address.

Lease-to-own (B&M)

By default, our sandbox lease-to-own environment is configured to approve every applicant for a lease. The only way to get another result is to pass in specific pre-defined values in predefined fields. Our mocks check these fields for these values and will return the appropriate outcome. The table below defines the different scenarios and how to get them.

To use this table, you would find the scenario you are interested in replicating and then pass the values in the table for the indicated fields. For example, to get declined for a lease when applying you would send Address Line 1: 011000390 and a zip of 11111 as part of the billing address.

ScenarioFieldsNotes
Lease Soft Declinezip: 11111
routingNumber: 011000536
Use zip anytime you need to supply billing address and use routingNumber anytime you need to supply bankAccount
Lease Decline routingNumber: 011000390
zip: 11111
Use these fields anytime you need to supply billing address.