Testing ACH
Please use our designated test routing and account number to run test ACH transactions in our sandbox environment:
- routing_number: 021000021
- account_number: 345234523452345
ACH Failed Scenario Testing (Trigger Mapping)
For testing ACH failure scenarios, mock ACH trigger amounts can be used to force specific ACH return codes.
After an ACH charge is submitted with one of the mock amounts below:
- The corresponding ACH reject status will apply 15 minutes after submission
- This delay is expected and should be accounted for in tests.
- This behavior is only expected in the sandbox environment
| Mock Amount | Return Code | Description |
|---|---|---|
| $1.01 | R01 | Insufficient Funds |
| $1.02 | R02 | Account Closed |
| $1.03 | R03 | No Account / Unable to Locate Account |
| $1.04 | R04 | Invalid Account Number Structure |
| $1.05 | R05 | Unauthorized Debit to Consumer Account Using Corporate SEC Code |
| $1.06 | R06 | Returned per ODFI’s Request |
| $1.07 | R07 | Authorization Revoked by Customer |
| $1.08 | R08 | Payment Stopped |
| $1.09 | R09 | Uncollected Funds |
| $1.10 | R10 | Customer Advises Unauthorized, Improper, Ineligible, or Incomplete Transaction |
| $1.11 | R11 | Check Truncation Early Return |
| $1.12 | R12 | Account Sold to Another DFI |
| $1.13 | R13 | Invalid ACH Routing Number |
| $1.14 | R14 | Representative Payee Deceased or Unable to Continue |
| $1.15 | R15 | Beneficiary or Account Holder Deceased |
| $1.16 | R16 | Account Frozen / Returned per OFAC Instruction |
| $1.17 | R17 | File Record Edit Criteria |
| $1.18 | R18 | Improper Effective Entry Date |
| $1.19 | R19 | Amount Field Error |
| $1.20 | R20 | Non-Transaction Account |
| $1.21 | R21 | Invalid Company Identification |
| $1.22 | R22 | Invalid Individual ID Number |
| $1.23 | R23 | Credit Entry Refused by Receiver |
| $1.24 | R24 | Duplicate Entry |
| $1.25 | R25 | Addenda Error |
| $1.26 | R26 | Mandatory Field Error |
| $1.27 | R27 | Trace Number Error |
| $1.28 | R28 | Routing Number Check Digit Error |
| $1.29 | R29 | Corporate Customer Advises Not Authorized |
| $1.30 | R30 | RDFI Not Participant in Check Truncation Program |
| $1.31 | R31 | Permissible Return Entry (CCD and CTX Only) |
| $1.32 | R32 | RDFI Non-Settlement |
| $1.33 | R33 | Return of XCK Entry |
| $1.34 | R34 | Limited Participation DFI |
| $1.35 | R35 | Return of Improper Debit Entry |
| $1.36 | R36 | Return of Improper Credit Entry |
| $1.37 | R37 | Source Document Presented for Payment |
| $1.38 | R38 | Stop Payment on Source Document |
| $1.39 | R39 | Improper Source Document |
| $1.45 | R45 | Invalid Individual / Company Name |
| $1.46 | R46 | Invalid Representative Payee Indicator |
| $1.47 | R47 | Duplicate Enrollment |
| $1.50 | R50 | State Law Affecting RCK Acceptance |
| $1.51 | R51 | Item Related to RCK Entry Is Ineligible or Improper |
| $1.52 | R52 | Stop Payment on Item Related to RCK Entry |
| $1.53 | R53 | Item and RCK Entry Presented for Payment |
| $1.61 | R61 | Misrouted Return |
| $1.62 | R62 | Return of Erroneous or Reversing Debit |
| $1.63 | R63 | Incorrect Dollar Amount |
| $1.64 | R64 | Incorrect Individual Identification |
| $1.65 | R65 | Incorrect Transaction Code |
| $1.66 | R66 | Incorrect Company Identification |
| $1.67 | R67 | Duplicate Return |
| $1.68 | R68 | Untimely Return |
| $1.69 | R69 | Field Error(s) |
| $1.70 | R70 | Permissible Return Entry Not Accepted |
| $1.71 | R71 | Misrouted Dishonored Return |
| $1.72 | R72 | Untimely Dishonored Return |
| $1.73 | R73 | Timely Original Return |
| $1.74 | R74 | Corrected Return |
| $1.75 | R75 | Return Not a Duplicate |
| $1.76 | R76 | No Errors Found |
| $1.77 | R77 | Non-Acceptance of R62 Dishonored Return |