1. PayTo
Merchant Warrior API 2.0
  • API
    • Getting Started
    • Guides
      • Xero Connection
      • Xero Custom URL
      • wooCommerce PayID
      • Middleware
      • Hostaway
    • Direct API
      • getAccessToken
      • processCard
      • processAuth
      • processCapture
      • processBatch
      • retrieveBatch (CSV)
      • retrieveBatch (JSON Response)
      • retrieveBatch (JSON Notify)
      • refundCard
      • queryCard
      • processDDebit
      • processDDebitAuth
      • processVoid
      • verifyCard
      • queryDD
      • queryBIN
      • getSettlement
      • checkEnrollment
      • checkPARes
      • addBlacklistedCard
      • removeBlacklistedCard
      • queryBlacklistedCard
      • simulateNotify
      • getSurcharge
    • 3DS 2.0
      • Introduction
      • 3DS 2 Authentication Flows
      • Step 3 - 3DS Method Data
      • Step 5 - Challenge
      • Step 1 - getAccessToken
      • Step 2 - checkEnrollment
      • Step 4 - checkTDSAuth
      • Step 6 - checkPARes
      • Step 7 - processCard
      • Authorization Only processCard
    • PayLink
      • Introduction
      • Generate PayLink
    • PayID
      • Introduction
      • Create
      • Transaction
      • Get
      • Update
      • Status
      • List
      • Refund
    • PayTo
      • Introduction
      • Simulator
      • Certification
      • Actions and Statuses
      • Agreements
        • Agreements
        • Notifications
        • Create Agreement
        • Get Agreement
        • Amend Agreement
        • Amend Agreement Status
        • Recall Agreement Action
      • Payments
        • Payments
        • Notifications
        • Create Payment
        • Get Payment
        • Get Payment Status
        • Search Payments
    • Confirmation of Payee
      • Introduction
      • Sandbox Simulations
      • Validate
    • POS
      • Introduction
      • processPOS
      • refundPOS
      • voidPOS
      • deregisterPOS
    • Web SDK
      • Introduction
      • Usage
      • getAccessToken
      • Options
      • Initiate
      • Payframe Functionality
      • Middleware
      • addCard
    • Payframe
      • Introduction
      • Usage
      • Constructor
      • tdsCheck
      • Additional Functions
      • Styling
      • processCard
      • processAuth
    • Digital Wallets
      • Apple Pay Prerequisites
      • Google Pay Prerequisites
      • Web SDK
      • Manual Integration
      • processCard
      • addCard
      • getMerchantSession
      • decryptApplePayToken
    • Token Payments
      • Introduction
      • Key Management
      • addCard
      • removeCard
      • cardInfo
      • changeExpiry
      • processCard
      • processAuth
    • Batch
      • Introduction
      • Card Batches
      • Token Batches
      • Direct Debit Batches
    • Forter
      • Introduction
      • Testing
    • Payouts
      • Introduction
      • Sandbox Simulations
      • Notifications
      • Create Payouts
      • Get Payout Status
      • Resend Notifications
      • Get Payout Transaction Status
      • Get Payout Transaction Notify
    • Partner API
      • Introduction
      • addMerchant
      • updateMerchant
      • checkMerchant
    • Notifications
      • Notifications
  • Hosted Payment Page
    • processCard
  1. PayTo

Simulator

PayTo responses in the Sandbox environment are fully simulated, so you can control exactly what response you would like to see for every scenario. All requests in the Sandbox environment will respond with a "success" response, unless the following values are used in the request. This allows you to test both success and failure scenarios in your implementation.
Create Agreement
Use the following values when creating your agreements to receive a failure response.
Agreement TypeValue
Account802950 7654321
Phone61422222222
Emailfailed@test.mw
ABN22222222222
Use the following values when creating your agreements to receive a pending response.
Agreement TypeValue
Emailpending@test.mw
Amend Agreement
Use any of the above values in the "arrangement" property in the Amend Agreement request to generate a failure response.
Create Payment
Use the following emails in your request to simulate the specified responses.
ScenarioValueNotes
Failurefailed@test.mw
Timeouttimeout@test.mwNo notification will be sent for this scenario
Timeouttimeoutnotify@test.mwA notification will be sent for this scenario
Payer Suspended Account
This simulates a payer suspending an agreement. The agreement is set to suspended and a agreement notify (PTA) is sent.
Agreement TypeEmail
Emailpayersuspend@test.mw
Account802950 787736333
Payer Declined Account
This simulates a payer declining an agreement. The agreement is set to cancelled and a agreement notify (PTA) is sent
Agreement TypeEmail
Emailpayerdeclined@test.mw
Account802950 33254633
Modified at 2026-07-10 06:47:01
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