Testing in Staging

The staging environment base URL is https://api.gotitus.dev. Staging does not send real emails or SMS — use 8488 as the login verification code.

For full details on environments and authentication, see Working with the API.

Payments: Checkout and Authorization

Pay Now (Card Payment)

Type	Number
Visa (credit)	4111111111111111
Debit	5200820000007201

Use any future expiration date and any 3-digit CVV. The maximum charge amount on staging is $500.

Pay at Close (Loan)

Use the name Michael Scott to auto-approve a loan application. This bypasses identity verification, credit checks, and underwriting — all other fields can be filled with any information.

To test specific credit scenarios without auto-approval, use these last-4 SSN digits:

Last 4 of SSN	Credit Score	Tier	Details
0000	826	Super-Prime	1 mortgage line, no HELOC lines
1111	733	Near-Prime	1 mortgage line, no HELOC lines
2222	602	Sub-Prime	1 mortgage line, no HELOC lines
3333	—	—	Frozen credit report
4444	805	Super-Prime	No mortgage or HELOC lines
5555	707	Near-Prime	No mortgage or HELOC lines
6666	706	Near-Prime	3 mortgage lines, no HELOC lines

To trigger a loan denial, use 2222 as the last 4 of the SSN. The sub-prime credit score will cause the application to be declined.

Connecting a Business

If you're already logged into a Titus business account that's been connected, log out first at gotitus.dev/logout or use a different browser session. Otherwise the flow won't reconnect as a new business.

During onboarding, use any number for the TIN and SSN fields.

Bank Information

Staging doesn't process real payments, but you still need a valid routing number. You can use 322271627 with any 10-digit account number.