Sandbox Testing

Test your integration without affecting real data. The sandbox environment lets you simulate different credit profiles and scenarios.

Sandbox Environment

Use sandbox API keys (prefixed with rm_sandbox_) to access the sandbox environment. All sandbox requests are processed against test data and won't affect production systems.

Sandbox

rm_sandbox_*

Test data, simulated credit checks

Production

rm_live_*

Real data, actual credit bureau calls

Simulating Credit Scores

Use the X-Sandbox-Score header to control the credit score returned during credit checks. This allows you to test how your application handles different credit profiles.

Credit check with custom score

curl -X POST https://api.ratematch.com.au/v1/applications/{id}/credit-check \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "X-Sandbox-Score: 720" \
  -d '{"securityToken": "..."}'

Available Score Profiles

Header Value	Profile	Description
`520`	low	Poor credit - most lenders will reject
`680`	mid	Fair credit - some lenders available
`780`	high	Excellent credit - all lenders available
`defaults`	defaults	Has unpaid defaults
`bankrupt`	bankrupt	Discharged bankruptcy on file

Stubbed Credit Response

When using sandbox mode, credit check responses are generated based on your X-Sandbox-Score value:

Example response for X-Sandbox-Score: 720

{
  "equifaxData": {
    "comprehensiveScore": 720,
    "oneScore": 700,
    "paidDefaults": 0,
    "unpaidDefaults": 0,
    "bankruptcy": null,
    "creditEnquiries": 2
  },
  "status": "completed"
}

Important Notes

• Sandbox requests do not call real credit bureaus
• X-Sandbox-Score header is ignored in production
• All sandbox data is reset weekly
• Rate limits apply to sandbox requests (but at higher thresholds)