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

# Test a Failed Payout

> Force a failed payout on staging with the Crossmint test bank accounts and check how your app handles it

On staging, every payout is simulated and succeeds. To test the failure path, save one of the test bank accounts below as a payment method and create an offramp order against it. The deposit is processed as usual, then the payout fails every time.

## Test Bank Accounts

These are the bank accounts that fail every payout on staging:

| Country | Payment method `type` | Bank details |
| - | - | - |
| US | `bank-account-us` | Routing `021000021`<br />Account `123456789012` (checking) |
| Europe (SEPA) | `bank-account-sepa-iban` | IBAN `LT871987090010999999` |

## Force a Failed Payout

<Steps>
  <Step title="Save a test bank account">
    Save one of the accounts above as a payment method, sending the bank details exactly as shown. Any `userLocator` and `label` work.

    <Tabs>
      <Tab title="US">
        ```bash cURL theme={null}
        curl -X POST 'https://vault.staging.crossmint.com/api/unstable/payment-methods' \
          -H 'X-API-KEY: <YOUR_SERVER_API_KEY>' \
          -H 'Content-Type: application/json' \
          -d '{
            "type": "bank-account-us",
            "userLocator": "<USER_LOCATOR>",
            "label": "Failed payout test",
            "bankAccount": {
              "accountNumber": "123456789012",
              "routingNumber": "021000021",
              "accountType": "checking",
              "entityType": "individual",
              "accountHolder": {
                "name": "Emily Carter"
              }
            }
          }'
        ```
      </Tab>

      <Tab title="Europe (SEPA)">
        ```bash cURL theme={null}
        curl -X POST 'https://vault.staging.crossmint.com/api/unstable/payment-methods' \
          -H 'X-API-KEY: <YOUR_SERVER_API_KEY>' \
          -H 'Content-Type: application/json' \
          -d '{
            "type": "bank-account-sepa-iban",
            "userLocator": "<USER_LOCATOR>",
            "label": "Failed payout test",
            "bankAccount": {
              "iban": "LT871987090010999999",
              "entityType": "individual",
              "accountHolder": {
                "name": "Lukas Meier",
                "country": "LT"
              }
            }
          }'
        ```
      </Tab>
    </Tabs>

    The payment method becomes `active` like any other, and it stays `active` after the payout fails, so you can reuse it across orders. Save the returned `paymentMethodId`.
  </Step>

  <Step title="Create the order and deposit">
    Create the order with the test payment method as `recipient.paymentMethodId`, broadcast the deposit, and track the order as described in the [Quickstart](/offramp/quickstarts/rest-api). The SEPA account pays out in EUR, so for that one set `lineItems.currencyLocator` to `fiat:eur` and `payment.currency` to `eurc`; the quickstart's `fiat:usd` and `usdc` only match the US account. The order ends in `phase: "completed"` with the deposit received and the payout failed:

    ```json {3,7,13,14} theme={null}
    {
      "orderId": "a9a33fe8-7b62-4a1b-9324-816dd2919fb1",
      "phase": "completed",
      "lineItems": [
        {
          "delivery": {
            "status": "failed",
            "recipient": {
              "locator": "paymentMethodId:51982a3d-ae8e-4a82-b877-dca738d31570",
              "paymentMethodId": "51982a3d-ae8e-4a82-b877-dca738d31570"
            },
            "failureReason": {
              "code": "transfer-failed",
              "message": "The payout could not be completed. Please try again or contact support."
            }
          },
          "callData": {
            "mode": "exact-in",
            "amount": "300",
            "outFiatCurrency": "usd",
            "rail": "rtp",
            "effectiveAmount": "300"
          }
        }
      ],
      "payment": {
        "status": "completed",
        "method": "base-sepolia",
        "currency": "usdc",
        "received": {
          "chain": "base-sepolia",
          "txId": "0xc6da70cc5ef8800e4446ecb16514776c44553b840d5cc3f5e73777f2fefdbbb3",
          "amount": "300",
          "currency": "usdc"
        }
      }
    }
    ```

    Your app should treat this the same way as a bank rejection in production: `phase: "completed"` is terminal but not successful, so read `lineItems[0].delivery.status` and branch on `failureReason.code`. If you use webhooks, the `orders.delivery.failed` event fires. See [Manage Orders](/offramp/guides/manage-orders#troubleshooting) for the status handling reference and the other failure codes you can receive in production.

    These accounts only fail on staging. In production they are ordinary bank accounts, so do not ship them in your app.
  </Step>
</Steps>

## Next Steps

<CardGroup cols={2}>
  <Card title="Manage Orders" icon="list-check" href="/offramp/guides/manage-orders">
    Track every order status and handle webhooks
  </Card>

  <Card title="Launch in Production" icon="rocket" href="/offramp/guides/going-to-production">
    Switch from simulated to live payouts
  </Card>
</CardGroup>