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

Username	Password
zum	rails

Security question single answer

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

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

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

Canada

Other currencies

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.

Username	Password	Currency
zumUSD	rails	US Dollar
zumEUR	rails	Euro
zumRandomCurrency	rails	Randomize between Canadian Dollar, US Dollar and Euro

Force Insights Transactions Categorization

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

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

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

INFO

If the question does not provide enough information for the correct answer, please respond with correct.

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

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.

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

INFO

If the question does not provide enough information for the correct answer, please respond with correct.