Sandbox testing

Test keys (cp_test_…) create sandbox link tokens (lt_test_…). Payments go through Stripe's test mode: no real money moves. Everything below works on the live sandbox.

Provider payments

Pick Klarna, Affirm, Afterpay or Zip in Link. You'll land on the provider's test page:

Approving returns onSuccess with a public token; failing returns onExit withPAYMENT_FAILED. Smart routing ranks the offers per order; each provider shows only for amounts in its range.

CoverPay's own planSandbox only

CoverPay fills in when no provider approves: pay in 4, every 2 weeks, 0% APR, up to $500 per shopper (minus what they still owe), from $10. To see it, make every provider decline with a sandbox-only flag on the link token:

POST /v1/link/token/create
{ "amount": 12000, "currency": "USD", "merchantName": "My Store", "orderId": "order_1",
  "customerId": "user_1", "metadata": { "coverpay_test": "providers_decline" } }

Pick CoverPay, then pay the first payment on Stripe's page with a test card:

Any future expiry, any CVC, ZIP 94103. Untick "Save my information" (Stripe Link) so it doesn't ask for a phone.

Collecting the rest without waiting

Payments 2 to 4 are charged automatically when due. In sandbox, make the next one due now and the collector picks it up within minutes:

POST /v1/credit/loans/{payment_id}/make-due      # next payment due now; the collector charges it
POST /v1/credit/loans/{payment_id}/collect-next  # or charge it immediately
GET  /v1/credit/loans/{payment_id}               # plan, schedule and your payout

A failed payment marks the plan behind and is retried after 24 hours, up to 3 times.

Your payout

When payment 1 succeeds, CoverPay pays you the plan amount minus your CoverPay fee (0% in sandbox) through Stripe Connect. Set up payouts once with POST /v1/payouts/onboarding (Stripe-hosted, test values accepted) and check them with GET /v1/payouts.

Things that should be refused