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.

Testing Information for processing with Trace ACH

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

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

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.

Test case 4: Voiding

• Day 0: Creation & Voiding

  • Create a Payment for $0.40.

  • Verify that the new transaction status is Accepted.

  • Void the transaction before 6:00 PM ET on the same day.

  • Verify Voided status.

Test case 5: Normal Return

• Day 0: Creation

  • Create a Payment for $0.60.

  • Set the Payment description as "Day2R01". (This will simulate an R01 - Insufficient Funds return on Day 2).

  • Verify that the new transaction status is Accepted.

• Day 1: Origination

  • Verify Originated status.

• Day 2: Return

  • After 10:00 AM ET, verify Returned status.

Test case 6: Late Return

• Day 0: Creation

  • Create a Payment for $0.70 with the description as "Day5R10". (This will simulate an R10 - Customer Advises Unauthorized return on Day 5).

  • Verify that the new transaction status is Accepted.

• Day 1: Origination

  • Verify Originated status.

• Days 2-4: Wait

  • No action required.

• Day 5: Return

  • After 10:00 AM ET, verify Returned status.

Testcase 7: Errors

• Invalid Routing Number

  • Create a Payment for $0.80 using 770000000 as the routing number.

  • Verify the response is Errored status with the description "Customer Routing Number is not in master".