Sandbox & Testing
Exercise the full lending lifecycle against synthetic data before you go live.
Synthetic data only
The sandbox never disburses real funds or stores real applicant PII. All example values in this documentation are synthetic and safe to copy.
Test Credentials
| Header | Sandbox value |
|---|---|
X-Client-Id | your-sandbox-client-id |
X-Client-Secret | $CLIENT_SECRET (from your onboarding pack) |
X-Partner | QWIKLIVE |
Scenario Coverage
| Scenario | Endpoints exercised |
|---|---|
| Happy-path origination | applications → risk-signals → decisions → offers → offers/accept → loans → disbursements |
| Decline / refer | decisions returns a non-approve outcome |
| Repayment variants | loans/{id}/payments, /payments/manual, /payments/partial, /payments/prepayment |
| Servicing reads | balances, next-due, schedule, aging |
| Collections & hardship | loans/{id}/collections, PUT loans/{id}/hardship |
| Disbursement reversal | disbursements → disbursements/{id}/reversal |
| Restructure / close | loans/{id}:restructure, loans/{id}:close |
Testing Tips
- Send a unique
X-Correlation-Idper request so you can trace it end-to-end in logs and support tickets. - Assert on the returned resource state, not just the HTTP status.
- Validate your error handling against every code in Error Handling (400–504).