# Echo Service

## Introduction

The Echo Service is a sandbox-only testing feature that automatically returns payments to the sender. When a payment is sent with a specific reference format, the service echoes the original amount back as multiple return payments.

This functionality is intended for integration testing and validation and is available only in the sandbox environment using approved test accounts.

### How It Works

When you include a payment reference in the format `TEST<number>`, the Echo Service:

* Detects the reference pattern
* Processes the payment in the sandbox environment
* Returns the original amount to the sender
* Splits the returned amount into equal parts based on the number specified

**Example behavior:**

* Sending €100 with `TEST4` returns **4 payments of €25** each
* Sending €75 with `TEST3` returns **3 payments of €25** each

### Prerequisites

Before using the Echo Service, ensure that:

* You are operating in the sandbox environment
* vThe destination account is enabled for Echo Service testing
* The payment method is SEPA Instant (SEPA INST)

{% hint style="info" %}
**Important:** The Echo Service currently supports SEPA Instant payments only.
{% endhint %}

### How to Use

1. In the payment reference / purpose field, enter: `TEST<number>`

   * `<number>` must be an integer between 1 and 10.
   * Use uppercase letters only.
   * Do not include spaces.

   Example: `TEST5`
2. Send the payment to one of the approved Echo Service IBANs.
3. The system will automatically return the original amount, split into equal payments according to the specified number.

### Approved IBANs

The following accounts are enabled for Echo Service testing:

| IBAN                     | BIC         |
| ------------------------ | ----------- |
| **LT613240010000000004** | TRLULT21XXX |
| **LT323982800000000004** | NSPYLT22XXX |

Payments sent to other accounts will not trigger the Echo Service.

### Rules and Limits

The Echo Service enforces the following rules and constraints:

| Reference format    | Must exactly match `TEST<number>`       | Valid: `TEST7` · Invalid: `TEST 7`, `test7`, `TEST11` |
| ------------------- | --------------------------------------- | ----------------------------------------------------- |
| Allowed range       | `<number>` must be between **1 and 10** | Values outside this range are rejected                |
| Account restriction | Only approved accounts are supported    | Payments to other accounts are ignored                |
| Payment scheme      | SEPA Instant only                       | Other SEPA schemes are not supported                  |
| Amount splitting    | Amount must be evenly divisible         | €0.01 cannot be split into multiple parts             |
| Case sensitivity    | Uppercase only                          | `TEST5` is valid, `test5` is not                      |
| Formatting          | No spaces or extra characters           | Reference must contain only `TEST<number>`            |

### Troubleshooting

If the Echo Service does not return payments as expected, verify the following:

1. Confirm the reference strictly follows `TEST<number>`
2. Ensure uppercase letters and no spaces
3. Confirm the IBAN is listed in the approved Echo Service accounts
4. Ensure the amount can be evenly divided by the specified number
5. Confirm the payment is sent as **SEPA Instant**

{% hint style="info" %}
**Notes:**

* The Echo Service is not available in production.
* Intended strictly for testing and validation purposes.
  {% endhint %}