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 |
Updated about 1 year ago