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DemoThis is a demo with test data. Nothing is real money.Test credentials

Bank payments and verification

BankBridge

Buy BankBridge (pluginloom.com)

Simulating payments & webhooks

Sandbox money doesn’t move by itself. These tools push payments, connections and schedules through their real lifecycle so you can test what happens next.

Move a payment through its lifecycle

  1. Open wp-admin → BankBridge → Transfers.
  2. On a transfer row open Simulate… and pick posted, settled, funds_available, returned or failed.
  3. BankBridge calls Plaid’s /sandbox/transfer/simulate, syncs the events and updates the status, and any WooCommerce order or membership tied to it.

Typical paths: posted → settled → funds_available (success), or posted → returned (an ACH return; recurring schedules stop on hard returns).

Fast-forward recurring payments

  1. Open Sandbox Toolkit → Recurring payments time machine.
  2. Pick a connection and account, an amount and schedule, and click Create on a test clock.
  3. In Transfers → Recurring payments use ⏩ +7 days or +30 days: Plaid advances the clock, originates the payments due, and BankBridge adopts them.

Connections

  • Create a test connection without Link for any user, institution, test user, preset or your own JSON config.
  • Create connections for a whole Sandbox Studio persona (college student, small business owner, retiree…).
  • Force re-authentication (Reset login) to put a connection into ITEM_LOGIN_REQUIRED.
  • Add transactions to a user_transactions_dynamic connection.

Fire a webhook

Sandbox Toolkit → Fire a webhook asks Plaid to send a webhook for a connection: TRANSACTIONS (SYNC_UPDATES_AVAILABLE, DEFAULT_UPDATE, RECURRING_TRANSACTIONS_UPDATE), ITEM (ERROR, NEW_ACCOUNTS_AVAILABLE, PENDING_DISCONNECT, LOGIN_REPAIRED, USER_PERMISSION_REVOKED, USER_ACCOUNT_REVOKED), AUTH, HOLDINGS, INVESTMENTS_TRANSACTIONS, LIABILITIES, ASSETS and IDENTITY.

Plaid delivers webhooks to your site’s public URL. On this local demo (127.0.0.1) they can’t arrive, use the Simulate tools and the Refresh buttons, or expose the site with a tunnel and set Settings → Webhooks → Webhook URL override.

API Explorer

BankBridge → API Explorer lists all 232 Plaid endpoints with ready-made request bodies; placeholders such as the access token are filled in server-side, so you can call any endpoint for a connection without ever seeing its token.

From the command line

wp bankbridge sandbox create-item --username=user_transactions_dynamic --products=transactions
wp bankbridge sandbox fire-webhook <item_id> TRANSACTIONS SYNC_UPDATES_AVAILABLE
wp bankbridge transfers sync
wp bankbridge reconcile