Sandbox Behaviour

Two's Sandbox Environment is a safe, isolated testing ground where you can develop your integration without moving real money or affecting live data.

Prerequisites

To use the Sandbox, you must use Sandbox API Keys. Get your Sandbox Keys here.

How to use Test Data

The tables below list test companies for each supported region. To test different scenarios (approval, decline, Open Banking flows), use the specific Organization Number provided in the tables when creating an order or order intent.

Example Payload:

{
  "buyer": {
    "company": {
      "organization_number": "12345678" // <--- Use a test number from below
    }
    // ...
  }
  // ...
}

---

Regional Test Data

Select a region to see available test companies and their expected behaviors.

United Kingdom 🇬🇧

Credit limits

Buyers get a credit limit based on the length of their company name (full name, including the legal suffix):

• Up to 10 characters: £ 5,000.00
• 11 to 20 characters: £ 50,000.00
• 21 characters or more: £ 500,000.00

The companies listed below override this.

Credit availability

All buyers credit availability will be affected by sandbox test orders that have been placed against them. To increase credit availability, cancel any unfulfilled orders or refund any fulfilled orders against the buyer.

The following buyers are exempt from credit availability calculations in sandbox environment for testing purposes, which means the available credit amount remains unchanged regardless of any orders being placed.

• RESTAURANT 53 LTD (15717462)
• UK BRADY LTD (08568974)
• PUBS FOR THE PLANET LIMITED (14002688)

Reduced Credit limits

The following list of GB buyer companies receive a reduced credit limit

• CARE ONUS LTD (11111111), Limit of £ 45,000.00
• FIG TREE INTERNATIONAL LTD (12222221), Limit of £ 35,000.00
• ANNADENT LIMITED (13333334), Limit of £ 15,000.00
• GFS DESIGN LTD (14444444), Limit of £ 1,000.00
• ARJUDARJIN LTD (14444443), Limit of £ 1,000.00
• SJD GROUP HOLDING LIMITED (14444446), Limit of £ 100.00

Zero Credit Companies

The following list of GB buyer companies receive zero credit limit. Note that these companies will also fail any order intent request.

• FAST FOOD EUROPE (10200123)
• FARMDROP LIMITED (08111929)
• MORE AND MORE LTD (13722341)

Blocked in arrears

The following list of GB buyer companies will receive their usual credit limit but will be blocked in arrears

• MANGO TREE2 LTD (15929598)
• RICE RICE BABY LTD (14609386)

Order Verification: Thresholds

• For orders with a gross amount >= £ 30,000.00 the verification will require Yapily.
• For orders with a gross amount to < £ 30,000.00 the verification will require Email code.
• For orders with a gross amount < £ 5,000.00 the order will have a SKIP verification.
• For orders with a gross amount >= £ 75,000.00 the verification will also require Legal Rep

Onboarding verification

The default behaviour for GB buyers in onboarding will be to receive Email code verification. The following buyers will have a different verification pathways:

• AVC PROPERTIES LIMITED (03843152) - Skip verification
• BAILEY MCCARTHY LIMITED (09617025) - Skip verification
• YAKI LTD (11751688) - Skip verification
• EMS KITCHEN LIMITED (07602334) - Yapily verification + legal rep required
• CONTOIR LIMITED (09825695) - Yapily verification
• TERVEL LTD (13244719) - Yapily verification

Verification evaluations

All completed verifications are approved in sandbox, except for the GB buyers listed below, who are always declined:

• ZERO EIGHT HOLDINGS LTD (14553414) - Decline verification
• THISTLETAIL LTD (14679292) - Decline verification

Buyers declined on fraud

The default behaviour in sandbox is to allow buyers through the order journey without detecting any fraudulent activity. The following buyers will have all orders rejected for fraud against them:

• ANNADENT LIMITED (13333334)
• WOW WOW PRESS LIMITED (15566112)

Norway 🇳🇴

Credit limits

Buyers get a credit limit based on the length of their company name (full name, including the legal suffix):

• Up to 10 characters: Kr 50,000.00
• 11 to 20 characters: Kr 500,000.00
• 21 characters or more: Kr 5,000,000.00

The companies listed below override this.

Credit availability

All buyers credit availability will be affected by sandbox test orders that have been placed against them. To increase credit availability, cancel any unfulfilled orders or refund any fulfilled orders against the buyer.

The following buyers are exempt from credit availability calculations in sandbox environment for testing purposes, which means the available credit amount remains unchanged regardless of any orders being placed.

• INOKIM NORWAY AS (922934479)
• STRISE AS (918330100)
• FURE MEKANISKE AS (985094918)
• DATAGRUPPEN AS (923668853)

Reduced Credit limits

The following list of NO buyer companies receive a reduced credit limit

• SCANDINAVIAN CAR STYLING AB (919168633), Limit of Kr 500,000.00
• MOBIT NORGE AS (974397986), Limit of Kr 250,000.00
• MEDIAHUSET NAUST MEDIA (983772102), Limit of Kr 100,000.00
• BIRGER N HAUG AS (952335863), Limit of Kr 10,000.00
• AI VISIONS AS (997802020), Limit of Kr 2,000.00

Zero Credit Companies

The following list of NO buyer companies receive zero credit limit. Note that these companies will also fail any order intent request.

• THE GOOD GUYS AS (922422508)

Blocked in arrears

The following list of NO buyer companies will receive their usual credit limit but will be blocked in arrears

• BIRGER N HAUG AS (952335863)
• ALFA OPPUSSING AS (925718955)

Order Verification: Thresholds

• For orders with a gross amount >= Kr 50,000.00 the verification will require Vipps Verification + Legal Rep.
• For orders with a gross amount to < Kr 10,000.00 the verification will require Email code.
• For orders with a gross amount < Kr 5,000.00 the order will have a SKIP verification.
• For orders with a gross amount >= Kr 50,000.00 the verification will also require Legal Rep

Onboarding verification

The default behaviour for NO buyers in onboarding will be to receive Email code verification. The following buyers will have a different verification pathways:

• STRISE AS (918330100) - Skip verification
• FURE MEKANISKE AS (985094918) - Skip verification
• SCANDINAVIAN CAR STYLING AB (919168633) - Vipps verification + legal rep required
• INOKIM NORWAY AS (922934479) - Vipps verification + legal rep required
• DATAGRUPPEN AS (923668853) - Vipps verification + legal rep required

Verification evaluations

All completed verifications are approved in sandbox, except for the NO buyers listed below, who are always declined:

• STOPPEFFEKT AS (920245404) - Decline verification
• SAMEIET AASGARDEN 930 (920069800) - Decline verification

Buyers declined on fraud

The default behaviour in sandbox is to allow buyers through the order journey without detecting any fraudulent activity. The following buyers will have all orders rejected for fraud against them:

• MEDIAHUSET NAUST MEDIA (983772102)
• SAMEIET AASGARDEN 930 (920069800)

Sweden 🇸🇪

Credit limits

Buyers get a credit limit based on the length of their company name (full name, including the legal suffix):

• Up to 10 characters: Kr 50,000.00
• 11 to 20 characters: Kr 500,000.00
• 21 characters or more: Kr 5,000,000.00

The companies listed below override this.

Credit availability

All buyers credit availability will be affected by sandbox test orders that have been placed against them. To increase credit availability, cancel any unfulfilled orders or refund any fulfilled orders against the buyer.

The following buyers are exempt from credit availability calculations in sandbox environment for testing purposes, which means the available credit amount remains unchanged regardless of any orders being placed.

• LIDINGO KOMMUN (212000-0191)
• VOLUMENTAL AB (556912-4141)
• FISHBRAIN AB (PUBL) (556796-5370)
• BETTER AUTOMATION SWEDEN AB (559418-2528)
• IT MARKET SWEDEN AB (556709-2324)

Reduced Credit limits

The following list of SE buyer companies receive a reduced credit limit

• ARJEPLOGS KOMMUN (212000-2668), Limit of Kr 500,000.00
• MAKRO KONSULT AKTIEBOLAG (556039-1954), Limit of Kr 250,000.00
• GEGA AB (556781-2903), Limit of Kr 100,000.00
• STRONG FOOLS STRONGMAN (802546-5751), Limit of Kr 10,000.00
• TET VIET (802544-0556), Limit of Kr 2,000.00

Zero Credit Companies

The following list of SE buyer companies receive zero credit limit. Note that these companies will also fail any order intent request.

• Bad Brothers Band AB (802536-7528)
• Bada Bing Bada Boom AB (559256-8892)

Blocked in arrears

The following list of SE buyer companies will receive their usual credit limit but will be blocked in arrears

• TERMINO C 9330 AB (556676-1986)
• BADAREN HB (969667-9449)

Order Verification: Thresholds

• For orders with a gross amount >= Kr 50,000.00 the verification will require BANKID + Legal Rep.
• For orders with a gross amount to < Kr 10,000.00 the verification will require Email.
• For orders with a gross amount < Kr 5,000.00 the order will have a SKIP verification.
• For orders with a gross amount >= Kr 50,000.00 the verification will also require Legal Rep

Onboarding verification

The default behaviour for SE buyers in onboarding will be to receive Email code verification. The following buyers will have a different verification pathways:

• ARJEPLOGS KOMMUN (212000-2668) - Skip verification
• MAKRO KONSULT AKTIEBOLAG (556039-1954) - Skip verification
• VOLUMENTAL AB (556912-4141) - BankId verification
• LIDINGO KOMMUN (212000-0191) - BankId verification + legal rep required
• BETTER AUTOMATION SWEDEN AB (559418-2528) - BankId verification + legal rep required
• IT MARKET SWEDEN AB (556709-2324) - BankId verification + legal rep required

Verification evaluations

All completed verifications are approved in sandbox, except for the SE buyers listed below, who are always declined:

• SLUTA NU (802515-6228) - Decline verification
• DADAI AB (559507-7347) - Decline verification

Buyers declined on fraud

The default behaviour in sandbox is to allow buyers through the order journey without detecting any fraudulent activity. The following buyers will have all orders rejected for fraud against them:

• PRECIS AKTIEBOLAG (556254-3321)
• TERMINO C 11111 AB (559405-3661)

Finland 🇫🇮

Credit limits

Buyers get a credit limit based on the length of their company name (full name, including the legal suffix):

• Up to 10 characters: € 5,000.00
• 11 to 20 characters: € 50,000.00
• 21 characters or more: € 500,000.00

The companies listed below override this.

Credit availability

All buyers credit availability will be affected by sandbox test orders that have been placed against them. To increase credit availability, cancel any unfulfilled orders or refund any fulfilled orders against the buyer.

The following buyers are exempt from credit availability calculations in sandbox environment for testing purposes, which means the available credit amount remains unchanged regardless of any orders being placed.

• DUN & BRADSTREET FINLAND OY (2014838-7)
• SUPERMETRICS OY (2552282-5)
• SWAPPIE OY (2692328-4)
• LUOMAN PUUTUOTE OY (1858454-2)
• CASAMBI TECHNOLOGIES OY (2418753-5)

Reduced Credit limits

The following list of FI buyer companies receive a reduced credit limit

• TF DESIGN (2900239-2), Limit of € 45,000.00
• ASDA GROUP PENSION SCHEME (1923471-2), Limit of € 35,000.00
• GIGANTTI OY AB (1523846-8), Limit of € 15,000.00
• AAA SERVICE (2907282-5), Limit of € 1,000.00
• MAKO DESIGN OY (3214188-7), Limit of € 100.00

Zero Credit Companies

The following list of FI buyer companies receive zero credit limit. Note that these companies will also fail any order intent request.

• HAIRCLUB GEL (2422072-9)
• TES CONSULTING OY (2978937-5)

Blocked in arrears

The following list of FI buyer companies will receive their usual credit limit but will be blocked in arrears

• POLUT POLUT OY (3313302-9)
• AVAD (2923501-4)

Order Verification: Thresholds

• For orders with a gross amount >= € 30,000.00 the verification will require FTN.
• For orders with a gross amount to < € 30,000.00 the verification will require Email.
• For orders with a gross amount < € 5,000.00 the order will have a SKIP verification.
• For orders with a gross amount >= € 75,000.00 the verification will also require Legal Rep

Onboarding verification

The default behaviour for FI buyers in onboarding will be to receive Email code verification. The following buyers will have a different verification pathways:

• TF DESIGN (2900239-2) - Skip verification
• GIGANTTI OY AB (1523846-8) - Skip verification
• SUPERMETRICS OY (2552282-5) - FTN verification
• DUN & BRADSTREET FINLAND OY (2014838-7) - FTN verification + legal rep required
• LUOMAN PUUTUOTE OY (1858454-2) - FTN verification + legal rep required
• CASAMBI TECHNOLOGIES OY (2418753-5) - FTN verification + legal rep required

Verification evaluations

All completed verifications are approved in sandbox, except for the FI buyers listed below, who are always declined:

• ADS COLLIANDER (3412795-8) - Decline verification
• TF CONSULTING (1321769-8) - Decline verification

Buyers declined on fraud

The default behaviour in sandbox is to allow buyers through the order journey without detecting any fraudulent activity. The following buyers will have all orders rejected for fraud against them:

• SALES LED OY (3278976-3)
• FC INTER TURKU OY (2215250-7)

Denmark 🇩🇰

Credit limits

Buyers get a credit limit based on the length of their company name (full name, including the legal suffix):

• Up to 10 characters: Kr 50,000.00
• 11 to 20 characters: Kr 500,000.00
• 21 characters or more: Kr 5,000,000.00

The companies listed below override this.

Credit availability

All buyers credit availability will be affected by sandbox test orders that have been placed against them. To increase credit availability, cancel any unfulfilled orders or refund any fulfilled orders against the buyer.

The following buyers are exempt from credit availability calculations in sandbox environment for testing purposes, which means the available credit amount remains unchanged regardless of any orders being placed.

• GGM Gastro Denmark ApS (41482419)
• Bharati's Yoga (42943169)
• Two Hands (38502573)
• Sweet Media Group ApS (40066284)
• SCANDIC FOOD A/S (11574033)

Reduced Credit limits

The following list of DK buyer companies receive a reduced credit limit

• ABC (30222024), Limit of Kr 500,000.00
• Too Good To Go ApS (37561304), Limit of Kr 250,000.00
• Dinehut ApS (45209857), Limit of Kr 100,000.00
• Monta ApS (41668385), Limit of Kr 10,000.00
• ELGIGANTEN A/S (17237977), Limit of Kr 2,000.00

Zero Credit Companies

The following list of DK buyer companies receive zero credit limit. Note that these companies will also fail any order intent request.

• Good Guy's Media & Music (26425700)
• Indisk Kulturforening i Orestad (44048272)

Blocked in arrears

The following list of DK buyer companies will receive their usual credit limit but will be blocked in arrears

• DonkeyRepublic Admin ApS (38049488)
• Zapp ApS (41501871)

Order Verification: Thresholds

• For orders with a gross amount >= Kr 50,000.00 the verification will require MitID.
• For orders with a gross amount to < Kr 10,000.00 the verification will require Email.
• For orders with a gross amount < Kr 5,000.00 the order will have a SKIP verification.
• For orders with a gross amount >= Kr 50,000.00 the verification will also require Legal Rep

Onboarding verification

The default behaviour for DK buyers in onboarding will be to receive Email code verification. The following buyers will have a different verification pathways:

• Too Good To Go ApS (37561304) - Skip verification
• Monta ApS (41668385) - Skip verification
• Bharati's Yoga (42943169) - MitId verification
• GGM Gastro Denmark ApS (41482419) - MitId verification + legal rep required
• Sweet Media Group ApS (40066284) - MitId verification + legal rep required
• SCANDIC FOOD A/S (11574033) - MitId verification + legal rep required

Verification evaluations

All completed verifications are approved in sandbox, except for the DK buyers listed below, who are always declined:

• PIW - Personaleforening (41910518) - Decline verification
• Bella room (44233150) - Decline verification

Buyers declined on fraud

The default behaviour in sandbox is to allow buyers through the order journey without detecting any fraudulent activity. The following buyers will have all orders rejected for fraud against them:

• MIKE'S HYDRAULIK & MOTOR ApS (30536509)
• LLL BOLIG ApS (31761298)

Netherlands 🇳🇱

Credit limits

Buyers get a credit limit based on the length of their company name (full name, including the legal suffix):

• Up to 10 characters: € 5,000.00
• 11 to 20 characters: € 50,000.00
• 21 characters or more: € 500,000.00

The companies listed below override this.

Credit availability

All buyers credit availability will be affected by sandbox test orders that have been placed against them. To increase credit availability, cancel any unfulfilled orders or refund any fulfilled orders against the buyer.

The following buyers are exempt from credit availability calculations in sandbox environment for testing purposes, which means the available credit amount remains unchanged regardless of any orders being placed.

• Masakhane (30222024)
• Booking.com B.V (31047344)
• Maxi-Trade Luchtventilatie (39063813)

Reduced Credit limits

The following list of NL buyer companies receive a reduced credit limit

• 4140 Studio (96267801), Limit of € 45,000.00
• Atelier Limonier (76525694), Limit of € 35,000.00
• LoyalBrand B.V. (69257655), Limit of € 15,000.00
• BEERUS B.V. (85658308), Limit of € 1,000.00
• International Audio Holding B.V. (09073789), Limit of € 100.00

Zero Credit Companies

The following list of NL buyer companies receive zero credit limit. Note that these companies will also fail any order intent request.

• Bestelverf.nl B.V. (65458761)
• BC Company B.V. (62637398)

Blocked in arrears

The following list of NL buyer companies will receive their usual credit limit but will be blocked in arrears

• Solo Solis B.V. (82427305)
• Feyenoord Rotterdam N.V. (24363218)

Order Verification: Thresholds

• For orders with a gross amount >= € 30,000.00 the verification will require IDin.
• For orders with a gross amount to < € 30,000.00 the verification will require Email.
• For orders with a gross amount < € 5,000.00 the order will have a SKIP verification.
• For orders with a gross amount >= € 75,000.00 the verification will also require Legal Rep

Onboarding verification

The default behaviour for NL buyers in onboarding will be to receive Email code verification. The following buyers will have a different verification pathways:

• Booking.com B.V (31047344) - Skip verification
• 4140 Studio (96267801) - Skip verification
• Masakhane (30222024) - IDin verification + legal rep required
• BEERUS B.V. (85658308) - IDin verification

Verification evaluations

All completed verifications are approved in sandbox, except for the NL buyers listed below, who are always declined:

• Titus Health Care B.V. (27339289) - Decline verification
• Eureco-Pharma B.V. (24263138) - Decline verification

Buyers declined on fraud

The default behaviour in sandbox is to allow buyers through the order journey without detecting any fraudulent activity. The following buyers will have all orders rejected for fraud against them:

• SAD Administraties B.V. (17163160)
• BC Company B.V. (62637398)

United States 🇺🇸

The following US companies are available for end-to-end testing.

Company Organization Number	Company Name	Credit Limit	State	Verification Type
94-2404110	APPLE INC	$1,000,000	CA	No open banking required
47-1693307	IRONCLAD, INC.	$750,000	CA	No open banking required
20-1898451	MINDBODY INC	$500,000	CA	No open banking required
94-3146933	WASTELAND INC.	$45,000	CA	No open banking required
47-0854628	DYSON, INC	$15,000	IL	No open banking required
13-3494711	VOGUE GROUP INC	$1,000	NY	No open banking required
79-1959258	DALLAS COWBOYS FOOTBALL CLUB LTD.	$1,000	TX	No open banking required
81-1263828	VANDERPUMP DOG FOUNDATION	$100	CA	No open banking required
65-0555808	CONDE NAST AMERICAS L.C.	$0	NY	Quiltt open banking
71-0794409	WAL-MART ASSOCIATES INC	$0	AR	Quiltt open banking
94-1697231	GAP STORES, INC.(FN)	$0	CA	Quiltt open banking
81-2405743	GOOD AMERICAN LLC	$0	CA	Quiltt open banking
84-1668381	SEPHORA PROPERTIES LLC	$0	FL	Quiltt open banking
83-1238686	LOVERBOY INC.	$0	NY	Straight decline, no open banking available

Credit availability:

All buyers credit availability will be affected by sandbox test orders that have been placed against them. To increase credit availability, cancel any unfulfilled orders or refund any fulfilled orders against the buyer.

The following buyers are exempt from credit availability calculations in sandbox environment for testing purposes, which means the available credit amount remains unchanged regardless of any orders being placed.

• VOGUE GROUP INC (EIN:13-3494711)
• DALLAS COWBOYS FOOTBALL CLUB LTD (EIN:79-1959258)
• IRONCLAD, INC. (EIN:47-1693307)
• MINDBODY INC (EIN:20-1898451)

---

Testing Scenarios

Open Banking Testing

Some companies in the tables above are flagged for Open Banking. When you use these companies, the order verification flow will prompt for an Open Banking check (via providers like Quiltt in the US or others in Europe).

Notes:

• Outside the US, completing the Open Banking flow (Credit Builder) multiplies the company's sandbox credit limit by 10 for 2 hours. A company with a zero credit limit gets 10,000. Run the flow again to restart the 2 hours.
• Status refreshes daily.
• The following test personas will return fixed credit limits when used with Finbank Profiles - A or Finbank Profiles - B when used with quiltt in open banking in the US:

Username	Password	Credit Limit
sue_wealthy	profile_700	1,000,000
francis_business	profile_701	90,000
joe_gig	profile_702	45,000
river_paycheck	profile_703	5,000
alex_student	profile_704	0

ID Verification (US)

ID verification completes in sandbox without a real ID document: the Onfido link sends the buyer straight back to Two. It is approved by default. Use a last name containing "decline" or "review" to get that outcome instead.

KYB Workflow Testing

To test the Know Your Business (KYB) frontend workflow:

1. Use a test company to initiate a KYB workflow.
2. Use the returned canonical_id to create a trade account customer.
3. Create a credit line for that customer.

User Abandonment

If a user abandons a verification or workflow redirect, Two aims to return them to your return_url with user_abandoned=true.