Payments Sandbox Overview

An overview of sandbox behavior for Payments

Modern Treasury has a fully functional Sandbox environment that allows customers to test their payment flows in a simulated environment before moving to Production. Many Modern Treasury objects have a live_mode field that will be true if they are production or live objects or false if they are Sandbox objects.

Payments in the Sandbox do not correspond to actual money movement at a bank. In this section you can learn about the different options for simulating workflows, including exceptions.


Sandbox timings vary from production.

In order to make development and testing more efficient, unless otherwise stated sandbox behavior may behave different from real-life. For example, rather than wait a day for an ACH payment to settle, the sandbox will settle the payment order within seconds allowing for an end-to-end reconciliation workflow in seconds rather than hours to days.