API Testing Credentials

Fluz gives you a full staging environment so you can build and validate your integration end to end — adding funding sources, moving money, and verifying identities — without ever touching real money or real customer data. Every object behaves like production but uses dummy values that you control.

This section collects the test data you need for each part of the flow.

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Staging only
The test cards, accounts, and identities in this section work only against the staging GraphQL endpoint (https://transactional-graph.staging.fluzapp.com/api/v1/graphql). Never send real card numbers, bank accounts, or PII to staging, and never use these test values against the live API.

Before you start

Make sure you have:

A Fluz account with developer access enabled — see Prepare Your Accounts.
API credentials for your application — see Obtain Your API Credentials.
A user access token for the user you're testing — see Generate a User Access Token.
Your requests pointed at the staging endpoint — see Staging vs. Live Environment.

What you can test

Page	Use it to simulate
Test Bank Cards	Card funding sources and card-based deposits — both successful and declined
Test Bank Accounts	ACH / bank-account funding sources across every status code
Test Merchants	Staging merchants for gift card, virtual card, and card-linked offer flows
Testing KYC Flows	User identity verification (`verifyUserInformation`) and each verification outcome

Recommended testing path

Sign in to a staging user and generate a user access token.
Add a funding source using a test bank card or test bank account.
Run a KYC verification with a known test identity to unlock higher limits.
Buy a gift card or create a virtual card against a test merchant that matches the offer shape you need.
Exercise your error handling using the declined cards, failing account statuses, and non-approved identities documented in these pages.

Want to learn more? Contact us at [email protected]. Speak with our experts for more info or to request a demo.