diff --git a/libsovtoken/tests/payment_chaos_tests.rs b/libsovtoken/tests/payment_chaos_tests.rs
new file mode 100644
index 000000000..f5b139651
--- /dev/null
+++ b/libsovtoken/tests/payment_chaos_tests.rs
@@ -0,0 +1,384 @@
+extern crate libc;
+extern crate sovtoken;
+extern crate indy;                      // lib-sdk project
+
+#[macro_use] extern crate serde_derive;
+#[macro_use] extern crate serde_json;
+
+pub mod utils;
+
+use indy::ErrorCode;
+use utils::setup::{Setup, SetupConfig};
+use utils::wallet::Wallet;
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_without_outputs_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 1,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- create payment request with empty output json
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+
+    let pay_input_json = json!([
+        txo_1
+    ]).to_string();
+
+    let pay_output_json = json!([
+    ]).to_string();
+
+    let ec = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap_err();
+    assert_eq!(ec, ErrorCode::CommonInvalidStructure);
+
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_without_inputs_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 1,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let dids = setup.trustees.dids();
+
+    // ---- create payment request with empty input json
+    let pay_input_json = json!([
+
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 50
+        }
+    ]).to_string();
+
+    let ec = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap_err();
+    assert_eq!(ec, ErrorCode::CommonInvalidStructure);
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_from_non_existent_payment_source_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 1,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let dids = setup.trustees.dids();
+
+    // ---- spend tokens from a valid address that is not in the wallet
+
+    let pay_input_json = json!([
+        "txo:sov:3x42qH8UkJac1BuorqjSEvuVjvYkXk8sUAqoVPn1fGCwjLPquu4CndzBHBQ5hX6RSmDVnXGdMPrnWDUN5S1ty4YQP87hW8ubMSzu9M56z1FbAQV6aMSX5h"
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 50
+        }
+    ]).to_string();
+
+    let ec = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap_err();
+    assert_eq!(ec, ErrorCode::WalletItemNotFound);
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_from_existent_and_non_existent_payment_source_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 1,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- spend tokens from inputs with both an address in the wallet and one address that is not in the wallet
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+
+    let pay_input_json = json!([
+        txo_1, "txo:sov:3x42qH8UkJac1BuorqjSEvuVjvYkXk8sUAqoVPn1fGCwjLPquu4CndzBHBQ5hX6RSmDVnXGdMPrnWDUN5S1ty4YQP87hW8ubMSzu9M56z1FbAQV6aMSX5h"
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 50
+        }
+    ]).to_string();
+
+    let ec = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap_err();
+    assert_eq!(ec, ErrorCode::WalletItemNotFound);
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_with_insufficent_funds_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 1,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- spend more tokens than we minted
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+
+    let pay_input_json = json!([
+        txo_1
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 90
+        }
+    ]).to_string();
+
+    let (payment_request, _) = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap();
+
+    let payment_result = indy::ledger::Ledger::submit_request(pool_handle, &payment_request).unwrap();
+
+    assert!(payment_result.contains("InsufficientFundsError"), "Expected InsufficientFundsError");
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_with_insufficent_funds_with_several_output_addresses_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 2,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50, 1]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- spend more tokens than we minted sending the outputs (spending) to several addresses
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+
+    let pay_input_json = json!([
+        txo_1
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 45
+        },
+        {
+            "recipient": payment_addresses[1],
+            "amount": 45
+        }
+    ]).to_string();
+
+    let (payment_request, _) = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap();
+
+    let payment_result = indy::ledger::Ledger::submit_request(pool_handle, &payment_request).unwrap();
+
+    assert!(payment_result.contains("InsufficientFundsError"), "Expected InsufficientFundsError");
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_with_insufficent_funds_with_several_txo_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 3,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![30, 10, 10]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- spend more tokens than we minted
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+    let txo_2 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[1]);
+    let txo_3 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[2]);
+
+    let pay_input_json = json!([
+        txo_1, txo_2, txo_3
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 90
+        }
+    ]).to_string();
+
+    let (payment_request, _) = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap();
+
+    let payment_result = indy::ledger::Ledger::submit_request(pool_handle, &payment_request).unwrap();
+
+    assert!(payment_result.contains("InsufficientFundsError"), "Expected InsufficientFundsError");
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_with_funds_remaining_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 1,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- spend more tokens than we minted
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+
+    let pay_input_json = json!([
+        txo_1
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 25
+        }
+    ]).to_string();
+
+    let (payment_request, _) = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap();
+
+    let payment_result = indy::ledger::Ledger::submit_request(pool_handle, &payment_request).unwrap();
+
+    assert!(payment_result.contains("ExtraFundsError"), "Expected ExtraFundsError");
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_with_funds_remaining_with_several_outputs_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 2,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![50]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- spend less tokens than we minted
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+
+    let pay_input_json = json!([
+        txo_1
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 15
+        },
+        {
+            "recipient": payment_addresses[1],
+            "amount": 5
+        }
+    ]).to_string();
+
+    let (payment_request, _) = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap();
+
+    let payment_result = indy::ledger::Ledger::submit_request(pool_handle, &payment_request).unwrap();
+
+    assert!(payment_result.contains("ExtraFundsError"), "Expected ExtraFundsError");
+}
+
+// ------------------------------------------------------------------------------------------------
+#[test]
+pub fn pay_with_funds_remaining_with_several_txo_fails() {
+
+    // ---- setup
+    let wallet = Wallet::new();
+    let setup = Setup::new(&wallet, SetupConfig {
+        num_addresses: 3,
+        num_trustees: 4,
+        num_users: 0,
+        mint_tokens: Some(vec![30, 10, 10]),
+        fees: None,
+    });
+    let payment_addresses = &setup.addresses;
+    let pool_handle = setup.pool_handle;
+    let dids = setup.trustees.dids();
+
+    // ---- spend less tokens than we minted
+    let txo_1 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[0]);
+    let txo_2 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[1]);
+    let txo_3 = utils::payment::get_utxo::get_first_utxo_txo_for_payment_address(&wallet, pool_handle, dids[0], &payment_addresses[2]);
+
+    let pay_input_json = json!([
+        txo_1, txo_2, txo_3
+    ]).to_string();
+
+    let pay_output_json = json!([
+        {
+            "recipient": payment_addresses[0],
+            "amount": 25
+        }
+    ]).to_string();
+
+    let (payment_request, _) = indy::payments::Payment::build_payment_req(wallet.handle, Some(dids[0]), &pay_input_json, &pay_output_json, None).unwrap();
+
+    let payment_result = indy::ledger::Ledger::submit_request(pool_handle, &payment_request).unwrap();
+
+    assert!(payment_result.contains("ExtraFundsError"), "Expected ExtraFundsError");
+}
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