Test plan for ACH/ECP

As a merchant, you want to test your BlueSnap integration to ensure that your customers have a flawless experience.

Before you begin

  • Compile a list of accounts with their details. If you need to, you can use these.

Test Scenarios

For ACH/ECP, go through the following scenarios.

Scenario    Test
  1 Create a transaction using ACH as the payment method with valid account information and verify that you receive the CHARGE_PENDING IPN.
  2 Create a transaction using ACH as the payment method with an invalid account or routing number and verify that it fails.
  3 Process a refund for the full amount of the original transaction.
  4 Process a refund for a portion of the amount of the original transaction.

ACH Return Codes

Below is a list of decline reason codes for ACH rejections. If you have enabled the Decline IPN, the IPN you receive will contain the specific return code.

R01Insufficient Funds
R02Account closed
R03No account/unable to locate account
(Account number does not correspond to the individual identified in the entry)
R04Invalid Account Number
R06Returned per ODFIs request
R07Authorization revoked by customer
R08Payment stopped or stop payment on item
R09Uncollected Funds
R10Customer advises not authorized
R11Check truncation entry return
R12Branch sold to another DFI
R13RDFI not qualified to participate
R14Representment payee deceased or unable to continue in that capacity
R15Beneficiary of account holder deceased
R16Account frozen
R17File record edit criteria
R18Improper effective entry date
R19Amount field error
R20Non-transaction Account
R21Invalid company identification
R22Invalid individual ID number
R23Credit entry refused by receiver
R24Duplicate entry
R25Addenda error
R26Mandatory field error
R27Trace number error
R28Routing number check digit error
R29Corporate customer advises not authorized
R30RDFI not a participant in check truncation program
R31Permissible return entry
R32RDFI non-settlement
R33Return of XCK entry
R34Limited participation DFI
R35Return of improper debit entry
R36Return of improper credit entry
R40Return of ENR entry by federal government agency (ENR Only)
R41Invalid transaction code (ENR Only)
R42Routing number/check digit error (ENR only)
R43Invalid DFI account number (ENR only)
R44Invalid individual ID number (ENR only)
R45Invalid individual name/company name (ENR only)
R46Invalid representative payee indicator (ENR only)
R47Duplicate enrollment
R50State law affecting RCK acceptance
R51Item is ineligible, notice not provided, signature not genuine
R52Stop payment on item
R61Misrouted return
R62Incorrect trace number
R63Incorrect dollar amount
R64Incorrect individual identification
R65Incorrect transaction code
R66Incorrect company identification
R67Duplicate return
R68Untimely return
R69Multiple errors
R70Permissible return entry not accepted
R71Misrouted dishonored return
R72Untimely dishonored return
R73Timely original return
R74Corrected return
R80Cross-border payment coding error
R81Non-participant in cross-border program
R82Invalid foreign receiving DFI Identification
R83Foreign receiving DFI unable to settle

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