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.

Code

Name

R01

Insufficient Funds

R02

Account closed

R03

No account/unable to locate account
(Account number does not correspond to the individual identified in the entry)

R04

Invalid Account Number

R05

Reserved

R06

Returned per ODFIs request

R07

Authorization revoked by customer

R08

Payment stopped or stop payment on item

R09

Uncollected Funds

R10

Customer advises not authorized

R11

Check truncation entry return

R12

Branch sold to another DFI

R13

RDFI not qualified to participate

R14

Representment payee deceased or unable to continue in that capacity

R15

Beneficiary of account holder deceased

R16

Account frozen

R17

File record edit criteria

R18

Improper effective entry date

R19

Amount field error

R20

Non-transaction Account

R21

Invalid company identification

R22

Invalid individual ID number

R23

Credit entry refused by receiver

R24

Duplicate entry

R25

Addenda error

R26

Mandatory field error

R27

Trace number error

R28

Routing number check digit error

R29

Corporate customer advises not authorized

R30

RDFI not a participant in check truncation program

R31

Permissible return entry

R32

RDFI non-settlement

R33

Return of XCK entry

R34

Limited participation DFI

R35

Return of improper debit entry

R36

Return of improper credit entry

R40

Return of ENR entry by federal government agency (ENR Only)

R41

Invalid transaction code (ENR Only)

R42

Routing number/check digit error (ENR only)

R43

Invalid DFI account number (ENR only)

R44

Invalid individual ID number (ENR only)

R45

Invalid individual name/company name (ENR only)

R46

Invalid representative payee indicator (ENR only)

R47

Duplicate enrollment

R50

State law affecting RCK acceptance

R51

Item is ineligible, notice not provided, signature not genuine

R52

Stop payment on item

R61

Misrouted return

R62

Incorrect trace number

R63

Incorrect dollar amount

R64

Incorrect individual identification

R65

Incorrect transaction code

R66

Incorrect company identification

R67

Duplicate return

R68

Untimely return

R69

Multiple errors

R70

Permissible return entry not accepted

R71

Misrouted dishonored return

R72

Untimely dishonored return

R73

Timely original return

R74

Corrected return

R80

Cross-border payment coding error

R81

Non-participant in cross-border program

R82

Invalid foreign receiving DFI Identification

R83

Foreign receiving DFI unable to settle

Testing main page