Trace ACH, it's one of the most common and secure ways to move money between bank accounts. PayTrace helps you accept these payments online, which is far more efficient than accepting paper checks or wire transfers.

1 Testing Different Types of Returns | 2 Test Cases

To begin testing Trace ACH, it must first be enabled on your sandbox account. If you do not currently have the ability to test Trace ACH, please reach out to developersupport@paytrace.com and request for it to be added to your sandbox for testing purposes.

Testing Information for processing with Trace ACH

Here's the essential information and methods for processing with Trace ACH in the sandbox:

Account Numbers	Routing Numbers

Account Numbers	Routing Numbers
You can use any 7 or 8-digit number.	130000006, 140000009, 150000002, 160000005, 170000008, 180000001, 190000004

Testing Different Types of Returns

The sandbox environment allows you to simulate various ACH return scenarios by using specific formats within the Description field of your transaction.

To trigger a specific return, use the following format: DayNRxx

N: The number of days after creation to trigger the return (enter a number from 1 to 9).
xx: The two-character ACH return reason code.

Common Return Codes for Testing:

R01: Insufficient Funds (NSF)
R02: Closed Account
R03: Account Not Found
R10: Unauthorized
R29: Corporate Customer Advises Not Authorized

Example: Entering "Day2R03" in the Description field will create a transaction that will be returned after 2 days with the reason code R03 (Account Not Found).

Important Timing:

Sandbox transactions are originated on the same day they are created at 6:00 PM ET.
Sandbox transactions typically settle after 3 business days.
Bank holidays are non-processing days. We observe: New Year's Day, MLK Day, Presidents' Day, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.

Test Cases

Test case 1: One-Off Payment for CCD

Day 0: Creation
- Create a CCD Payment for $0.01 without using a Customer Token.
- Verify that the new transaction status is Accepted.
Day 1: Origination
- Verify Originated status.
- LIVE TESTING: Log in to your online banking and confirm a $0.01 debit.
Day 2: Wait
- No action required.
Day 3: Wait
- No action required.
Day 4: Settlement
- Verify Settled status.
- LIVE TESTING: Log in to your online banking and confirm a $0.01 credit.
Day 5: Refund
- Refund the $0.01 Payment transaction.
- Verify that the new transaction status is Accepted.
Day 6: Origination and Settlement
- Verify Settled status.
- LIVE TESTING: Log in to your online banking.
  - Verify receipt of a $0.01 debit.
  - Verify receipt of a $0.01 credit.

Test case 2: One-Off Payments for PPD, WEB

Repeat the steps from Test Case 1 (Creation, Origination, Waits, Settlement) using the following Standard Entry Codes and amounts:

PPD and $0.21
WEB and $0.22

Test case 3: One-Off Payout

Day 0: Creation
- Create a CCD Payout for $0.30.
- Verify that the new transaction status is Accepted.
Day 1: Origination
- Verify Originated status.
- LIVE TESTING: Log in to your online banking and confirm a $0.30 debit.
Day 2: Wait
- No action required.
Day 3: Wait
- No action required.
Day 4: Settlement
- Verify Settled status.
- LIVE TESTING: Log in to your online banking and confirm a $0.30 credit.