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