SBM debit card access links for Test Txn Feature and Card Health (updated)
The SBM debit card access links for the test transaction feature and Card Health
Deep Link: ( CAN BE USED WITH THE USERS REACHING OUT ON CHAT)
- Test transaction feature
https://www.goniyo.com/oa/sbm/savings/first-transaction
2. Card health check
https://goniyo.com/oa/sbm/savings/card-health-check
Dynamic Links:
- Test transaction feature
https://niyoglobalone.page.link/sbm-test-txn
2. Card health check
https://niyoglobalone.page.link/sbm-card-health-check
Reference the video to understand how the test transaction feature works:
WhatsApp Video 2024-09-18 at 5.24.45 PM.mp4
Points to remember about the test transactions feature:
- SBM test transaction feature supports only SBM Debit Card (starts with 454616)
- DCB test transaction feature supports only DCB Debit cards (Starts with 43467200)
- Customers can try this feature for any country (listed in the app).
- Only 1 $ (Dollar), 1 € (Euro) or 1 ¥ (Yen), etc., an amount equal to INR will be debited from the customer's account during this process.
Test transaction failure scenarios:
- It's a very rare scenario that can only happen if the card details are entered incorrectly.
- If the customer is trying an SBM card under the DCB test transaction feature or vice-versa
- If the customer tries non Niyo cards.
The below error screenshot is for reference.

Refund timelines for test transactions:
It takes around three days for a refund but be rest assured it does get processed on time. it will show up directly in Bank Account Transactions and Statement