Testing
API Plus testing
Test scenarios and data for the API Plus integration
Use this guide to test your API Plus (decision relayed) integration in the sandbox environment. API Plus requires additional testing beyond API Lite because your platform displays offers directly to the customer.
What you need to test
Your integration must show all of the following:
- A new customer and application using the minimum data requirements.
- A customer with a confirmed offer displayed correctly.
- A customer decline handled correctly.
- A customer deferral (your iwoca Partnership Manager will assist).
- Each offer type (confirmed, indicative, and sample) handled correctly.
- Offer selection redirecting the customer via
GET /customers/{customer_id}/login_link/?offer_id={offer_id}.
Test data
Use the same base test data as the referral integration. See Referral integration testing for the full customer and application payloads.
Replace {{currentDate}} in valid_from with today's date in ISO 8601 format.
Simulating different outcomes
| Scenario | How to trigger |
|---|---|
| Confirmed offer — firm, ready-to-draw-down terms | Set amount to 15,000 or less (default test data) |
| Indicative offer — an estimate that needs more information before it's confirmed | Set amount to greater than 15,000, up to 75,000 |
| Indicative offer (large) — an indicative offer for amounts above £75,000 | Set amount to greater than 75,000 |
| Sample offer | Leave out a required field, or send an invalid one such as a wrong trading_from_date. With too little data to assess, iwoca returns a sample estimate. |
| Decline | Use decline test data (see below) |
| Deferral | Contact your iwoca Partnership Manager |
Decline test data
Change the following fields in the customer payload:
{"first_name": "James","last_name": "Smythe","date_of_birth": "1985-01-01","company_number": "01111113","house_number": "123","street_line_1": "Decline St","town": "Decline","postcode": "DE61NA"}
This returns an empty offers array with offer_creation_status: "decline".
Validation checklist
Before submitting for review, verify:
- Customer data formatted correctly with minimum required fields.
- Application created successfully with valid amount.
-
GET /offers/returns and displays confirmed offers correctly. -
GET /offers/returns and displays indicative/sample offers correctly. - Decline scenario handled gracefully in your UI.
- Offer selection redirects the customer via the login link, carrying
offer_id. - Application statuses displayed correctly at each stage.
- Webhook responses received as expected (if applicable).
- Multiple webhook responses handled correctly (if applicable).
What else is required
During testing, iwoca will also ask to see:
- Screenshots of all UI screens including data collection forms.
- A video or live demo showing the full journey within your platform.
- Evidence of both happy and unhappy paths and compliant offer display.