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Understanding Open Banking Testing with Modelo Sandbox

Open banking payments made through the Bank Modelo Sandbox environment will remain in "PENDING" status by design, as this testing environment is built to validate your integration rather than complete the full payment lifecycle.

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Written by Kolleno Support
Updated over a month ago

Why Your Sandbox Payments Stay in "PENDING" Status

When testing open banking payments through the Bank Modelo Sandbox, you'll notice that all payment requests remain in a "PENDING" state. This is normal and expected behavior.

How the Sandbox Works

The Bank Modelo Sandbox is specifically designed to allow developers and users to test their payment integration flows without processing actual transactions. This environment intentionally keeps payments in the "PENDING" state to:

  • Verify that your payment requests are properly formatted

  • Confirm that banking information is correct

  • Test the application's handling of the initial payment response

  • Simulate the user journey up to the authorization point

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