What is a penny test?

A penny test is a small live payment you send to confirm an account can receive funds, and often to confirm the name on it. You send a few cents, read the statement descriptor or the return, then send the real amount. It is not KYC. It is a rail probe.

How does a penny test work?

You originate a tiny credit. The customer tells you the amount, or you read a micro-deposit verification API. A return tells you the account is dead. Some products send two random cents and ask the user to enter them. That proves control of the account, not identity.

Penny test vs prenote

A prenote is a zero-dollar Nacha entry. A penny test moves real money, even if it is $0.12. Prenotes are quieter. Pennies show up on a statement and need a reversal or a write-off if you want the cents back.

Do you post it?

Yes, if it leaves your omnibus. It is a real transfer. Post it to a verification expense or to the wallet you will later use, and reverse it if you claw the cents back. Skipping the post is how penny tests become recon noise.

How it works with Blnk

Post the cents from @WorldUSD_ACH or from an expense pot to the destination you are testing. Use a unique reference. Reverse or refund if you take the cents back.