> ## Documentation Index
> Fetch the complete documentation index at: https://umbrella-docs.info/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Services Testing Credentials

> Payment Services Testing Credentials

# Payment Services Testing Credentials

Use these credentials to simulate different bank connections and authentication flows. Perfect for demos and end-to-end testing.

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## 🔗 Test Links

[**Test Open Banking Flow**](https://paymentsdemo.vercel.app/challenge-deposit?fname=John\&lname=Kohlbacker\&transactionId=2h45-yuy56-u8iy65)

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# Test Data for Open Banking

## 🇬🇧 UK – NatWest (`ob-natwest`)

<Note>
  Type: Redirect | Currency: GBP
</Note>

<Expandable title="UK – NatWest (`ob-natwest`)">
  |          |                     |
  | -------- | ------------------- |
  | Username | `123456789012`      |
  | Password | Displayed on screen |
</Expandable>

<Frame>
  <img src="https://mintcdn.com/idcanopy-6d7967bf/DmTOC-QnaLpWoqnX/images/NatWestBank.png?fit=max&auto=format&n=DmTOC-QnaLpWoqnX&q=85&s=d27564f29979ba718b4fa31655a91358" width="569" height="203" data-path="images/NatWestBank.png" />
</Frame>

***

## 🇪🇸 Spain – BBVA (`ngp-inal`)

<Note>
  Type: Redirect | Currency: EUR
</Note>

<Expandable title="Spain – BBVA (`ngp-inal`)">
  |                     |                            |
  | ------------------- | -------------------------- |
  | IBAN                | `ES2501822200160201933547` |
  | Username            | `user1`                    |
  | Password            | `1234`                     |
  | Authentication Code | `123456`                   |
</Expandable>

<Frame>
  <img src="https://mintcdn.com/idcanopy-6d7967bf/DmTOC-QnaLpWoqnX/images/BBVABank.png?fit=max&auto=format&n=DmTOC-QnaLpWoqnX&q=85&s=36b111de5638eabe8bfcc8f10769dbe7" width="580" height="233" data-path="images/BBVABank.png" />
</Frame>

***

## 🇩🇪 Germany – KD-Bank (`sk-fidu-genoded1dkd`)

<Note>
  Type: Redirect | Currency: GBP | SCA Method: Mobile TAN
</Note>

<Expandable title="Germany – KD-Bank (`sk-fidu-genoded1dkd`)">
  |              |                          |
  | ------------ | ------------------------ |
  | psuId        | `VRK1234567890ALL`       |
  | Password     | `password`               |
  | PIN          | `123456`                 |
  | Success IBAN | `DE39499999600000005111` |
  | Decline IBAN | `DE98499999600000005116` |
</Expandable>

<Frame>
  <img src="https://mintcdn.com/idcanopy-6d7967bf/DmTOC-QnaLpWoqnX/images/KDBank.png?fit=max&auto=format&n=DmTOC-QnaLpWoqnX&q=85&s=f9cbe9f9df1b3f97e63a39f87e522072" width="701" height="207" data-path="images/KDBank.png" />
</Frame>

***

## 🇩🇪 Deutsche Kreditbank AG (`ngp-byla`)

<Note>This bank does **not appear in the demo app**. Use only if testing via custom flows.</Note>

<Expandable title="Germany – Deutsche Kreditbank AG (`ngp-byla`)">
  |            |                       |
  | ---------- | --------------------- |
  | psuId      | `abc`                 |
  | Password   | `123`                 |
  | PIN        | `123456`              |
  | SCA        | `962:`                |
  | SCA Method | SmartTAN plus HHD 1.4 |
</Expandable>

<Frame>
  <img src="https://mintcdn.com/idcanopy-6d7967bf/DmTOC-QnaLpWoqnX/images/DKBBank.png?fit=max&auto=format&n=DmTOC-QnaLpWoqnX&q=85&s=0fb47ea94be9029ecde26aef5ea20696" width="626" height="232" data-path="images/DKBBank.png" />
</Frame>

***

## 🇵🇱 Poland – Alior Bank (AIS Only)

<Note>
  This bank supports **AIS access only**, no payments.
</Note>

<Expandable title="Poland – Alior Bank (AIS Only)">
  |          |            |
  | -------- | ---------- |
  | psuId    | `22058375` |
  | Password | `12345678` |
</Expandable>

<Frame>
  <img src="https://mintcdn.com/idcanopy-6d7967bf/DmTOC-QnaLpWoqnX/images/AliorBank.png?fit=max&auto=format&n=DmTOC-QnaLpWoqnX&q=85&s=816ce9d605996d8cef1701e517d640d8" width="580" height="233" data-path="images/AliorBank.png" />
</Frame>

***

<Info>Mock banks are flexible test tools but do **not show real 2FA**. Great for testing error handling or flow behavior.</Info>

**Available Mock Banks:**

* Mock Multi-Redirect Bank
* Mock One-Step Redirect