# Testing

Nothing blocks you from testing with a live card, but we recommend using the Zūm Rails Test Institution.

* If you are using the Connector without a javascript library, you must specify the parameter `testinstitution=true` in the url.
* If you are using the javascript library, you must pass the property `testinstitution:true` in the config parameter.

By doing the configuration above, the first institution on the list will be Zūm Rails Test Institution.

## Happy path without security question <a href="#happy-path-without-security-question" id="happy-path-without-security-question"></a>

<table><thead><tr><th width="368.4000244140625">Username</th><th>Password</th></tr></thead><tbody><tr><td>zum</td><td>rails</td></tr></tbody></table>

## Security question single answer <a href="#security-question-single-answer" id="security-question-single-answer"></a>

This option is used with institutions that prompt a one-time verification code/SMS, or a single question, for example: `What is the name of your first pet?` or `Confirm your identity on your phone`

| Username                    | Password |
| --------------------------- | -------- |
| zumquestionwithsingleanswer | rails    |

## Security question with multiple choices and a single answer <a href="#security-question-with-multiple-choices-and-a-single-answer" id="security-question-with-multiple-choices-and-a-single-answer"></a>

This option is used with institutions that prompt SMS or Email verification when they give a list of options to send the verification code.

| Username                                  | Password |
| ----------------------------------------- | -------- |
| zummultiplechoicequestionwithsingleanswer | rails    |

## Security question with multiple options <a href="#security-question-with-multiple-options" id="security-question-with-multiple-options"></a>

This option is used with institutions that prompt SMS or Email verification when they give a list of phones and a list of options (SMS/Phone Call/Email) to send the verification code.

| Username         | Password |
| ---------------- | -------- |
| zumsendtooptions | rails    |

{% tabs %}
{% tab title="Canada" %}

## Other currencies <a href="#other-currencies" id="other-currencies"></a>

Considering all options above, the balance simulated for the account will be using Canadian Dollar as currency, we can allow Zūm Rails Test Institution to support balance information with another currency such as Euro or US Dollar.

<table><thead><tr><th width="196.5999755859375">Username</th><th width="117.60003662109375">Password</th><th>Currency</th></tr></thead><tbody><tr><td>zumUSD</td><td>rails</td><td>US Dollar</td></tr><tr><td>zumEUR</td><td>rails</td><td>Euro</td></tr><tr><td>zumRandomCurrency</td><td>rails</td><td>Randomize between Canadian Dollar, US Dollar and Euro</td></tr></tbody></table>

## Force Insights Transactions Categorization <a href="#force-insights-transactions-categorization" id="force-insights-transactions-categorization"></a>

This option forces the Aggregation process to trigger categorization for Insights using the Zūm Rails Test Institution. It allows testing how transactions will be categorized by the Categorization service in a non-production environment. If the customer has configured the Insights webhook, it may be triggered with either a "Failed" or "Completed" event, depending on the categorization result. Please ensure that the aggregation request has the variable GetTransactions set to true.

| Username               | Password |
| ---------------------- | -------- |
| zumforcecategorization | rails    |

## Simulate Insights Categorization Error <a href="#simulate-insights-categorization-error" id="simulate-insights-categorization-error"></a>

This option simulates a transaction categorization failure within the Insights process, following the standard path without a security question. If the customer has configured the Insights Failed webhook, this username can be used to trigger the failure simulation. Please ensure that the aggregation request has the variable GetTransactions set to true.

| Username                      | Password |
| ----------------------------- | -------- |
| zumgenericerrorcategorization | rails    |
| {% endtab %}                  |          |

{% tab title="US" %}

## Security question with image data

This option is used with institutions that prompt an image verification, for example: An image will be displayed with the question: `Who is this guy?`

| Username     | Password |
| ------------ | -------- |
| zumImageData | rails    |

{% hint style="info" %}
**INFO**

If the question does not provide enough information for the correct answer, please respond with `correct`.
{% endhint %}

## Security question with image options

This option is used by institutions that require image verification. For example, a prompt like `Please select your favorite actor` will be displayed along with a group of images. The user must select the correct image based on the prompt to proceed.

| Username        | Password |
| --------------- | -------- |
| zumImageOptions | rails    |

{% hint style="info" %}
**INFO**

If the question does not provide enough information for the correct answer, please follow these guidelines:

1. If there are repeated images, select the single unique image as the correct answer.
2. If there are no repeated images, select the top left image as the correct answer.
   {% endhint %}

## Multiple security questions with single answer

This option is used by institutions that prompt multiple questions with a single answer for each question. For example, two questions might be displayed: `What city were you born in?` and `What is your mother's maiden name?` The user must answer all the questions to proceed.

| Username                             | Password |
| ------------------------------------ | -------- |
| zumMultipleQuestionsWithSingleAnswer | rails    |

{% hint style="info" %}
**INFO**

If the question does not provide enough information for the correct answer, please respond with `correct`.
{% endhint %}
{% endtab %}
{% endtabs %}