- Capital base role<\/strong><\/li><\/ul><\/td>\n<\/tr>\n
\n API credentials<\/strong><\/td>\n To get the test offer through the API, you must have a Balance Platform API key<\/a> (for example, ws[_123456]@BalancePlatform.[YourBalancePlatform]<\/strong><\/span>) to access the Capital API<\/a>. - Balance Platform Capital Configuration role<\/strong><\/li>
- Balance Platform Capital Grant Initiation role<\/strong><\/li><\/ul><\/td>\n<\/tr>\n
\n Webhooks<\/strong><\/td>\n Subscribe to the following webhooks: - Capital webhooks<\/a><\/li>
- Transfer webhooks<\/a><\/li>
- Transaction webhooks<\/a><\/li><\/ul><\/td>\n<\/tr>\n
\n Limitations<\/strong><\/td>\n - Adyen caps the maximum amount of a test offer. If you enter a higher amount, Adyen reduces the offer to the current maximum. Adyen can change the maximum.<\/li>
- You can create offers only for account holders in your own balance platform.<\/li>
- An account holder can have only one active offer. If the account holder already has an offer, Adyen ignores any offer that you create, even one with a later expiration date. The ignored offer never becomes active.<\/li><\/ul><\/td>\n<\/tr>\n
\n Setup steps<\/strong><\/td>\n Before you begin, make sure that: - You completed the required steps in the integration checklist<\/a>.<\/li>
- You have an account holder in your test balance platform that has no active financing offer. If all your account holders have an active offer, create a new account holder.<\/li>
- You followed our guidelines for Capital<\/a> when creating user interfaces and other processes.<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
How it works<\/h2>\n
When you create a test financing offer, you specify the amount the account holder qualifies for, and Adyen creates the offer without running a risk assessment. Take the following into account:<\/p>\n
- \n
- The maximum amount is capped<\/strong>. If you enter an amount that is higher than the cap, the offer uses the capped amount. For example, if the cap is EUR 100,000, and you enter a range from EUR 500 to EUR 1,000,000, the account holder receives an offer from EUR 500 to EUR 100,000.<\/li>\n
- An account holder can have only one active offer<\/strong>. A test offer functions like any other financing offer in a live environment, so only one offer can exist at a time. If an account holder already has an active offer, Adyen ignores any new offer you create. The form in your Customer Area still appears successful, and you get no error message.<\/li>\n
- Offers are not queued<\/strong>. If you create offers that expire in 7, 14, and 21 days, Adyen ignores the second and the third offer. When the first offer expires, no new offer appears.<\/li>\n
- Offer creation is asynchronous<\/strong>. Adyen creates the offer in the background. Under normal circumstances, the offer is available a few seconds later.<\/li>\n
- You choose the expiration date<\/strong>. By default, the offer expiration date is set to seven days from today. You can choose any date in the future, and the offer expires on the date that you select.<\/li>\n<\/ul>\n
After the test offer is created, you can get its details in the same way as any other financing offer in a live environment: through the Capital API<\/a>, in the webhooks<\/a> that Adyen sends, through the UI components<\/a>, or in the CSV list of offers<\/a>.<\/p>\n
To test with a different offer for the same account holder, wait until the current offer expires. You cannot change the expiration date of an existing offer. If you want an offer to expire sooner, set an earlier expiration date when you create it. The quickest way to start over is to create a new account holder.<\/p>\n
1. Create a test financing offer<\/h2>\n
\nMake sure that the account holder has no active offer. If the account holder has one, Adyen ignores the offer that you create, and your Customer Area shows no error.<\/p>\n<\/div>\n
To create a test financing offer in your test Customer Area<\/a>:<\/p>\n
- \n
- Get the account holder's current offers using the \/dynamicOffers<\/a> or \/grantOffers<\/a> endpoint, and check that the response contains no offers.<\/li>\n
- Go to Financial products<\/strong> > Capital<\/strong> and select Create offer<\/strong>.<\/li>\n
- In the form that opens, enter the account holder, expiration date, currency, repayment term, and financing amount. By default, the expiration date is seven days from today.<\/li>\n
- Select Create offer<\/strong> to submit the form.<\/li>\n<\/ol>\n
![\"Create](\"\/media\/33addadbc284b18eabfb01ee6a24387fb3d40ae88810153ff6495ed2f52b859f.svg?decoding=auto&fetchpriority=auto\")
<\/p>\n2. Get the test financing offer<\/h2>\n
The following tabs show the available options.<\/p>\n\n
\n\n\nIf you cannot find the test offer through the API, webhooks, or UI components, wait a few seconds and check again, because Adyen creates the offer asynchronously. If the offer is still missing, the account holder had an active offer when you submitted the form.<\/p>\n<\/div>\n
3. Test the rest of the flow<\/h2>\n
Adyen handles your test financing offer in the same way as any other financing offer, so the rest of your integration works as it does in live. Use the following pages to test the rest of the flow:<\/p>\n
- Go to Financial products<\/strong> > Capital<\/strong> and select Create offer<\/strong>.<\/li>\n
- An account holder can have only one active offer<\/strong>. A test offer functions like any other financing offer in a live environment, so only one offer can exist at a time. If an account holder already has an active offer, Adyen ignores any new offer you create. The form in your Customer Area still appears successful, and you get no error message.<\/li>\n
- You completed the required steps in the integration checklist<\/a>.<\/li>
- Transfer webhooks<\/a><\/li>
- Balance Platform Capital Grant Initiation role<\/strong><\/li><\/ul><\/td>\n<\/tr>\n
- Balance Platform Capital Configuration role<\/strong><\/li>
![\"\"](\"https:\/\/docs.adyen.com\/media\/33addadbc284b18eabfb01ee6a24387fb3d40ae88810153ff6495ed2f52b859f.svg?decoding=auto&fetchpriority=auto\")
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