ACH Direct Debit

Testing and Go Live

Availability

ACH Direct Debit is available to eligible merchants who can implement a custom client-side integration using our JavaScript v3 SDK. It's currently not available in our Drop-in UI.

Test values for sandbox verifications

Routing numbers

When testing verification methods that require routing numbers, you can use any real 9-digit bank routing number (e.g. 011000015).

Account numbers

For network check verifications

Use the test account numbers below to simulate the corresponding network check verification responses in the sandbox:

Account Number	Processor Response Code	Additional Processor Response
1000000000	1000 - Approved	N/A
1000000001	1003 - Approved With Risk	N/A
1000000002	3000 - Processor Network Unavailable – Try Again	N/A
1000000004	2046 - Declined	N/A
1000000005	2061 - Invalid Transaction Data	Invalid routing number
1000000006	2092 - No Data Found - Try Another Verification Method	N/A
1000000007	2092 - No Data Found - Try Another Verification Method	N/A
1000000008	2061 - Invalid Transaction Data	Invalid account number
1000000009	2061 - Invalid Transaction Data	Invalid account type (if selected account is of type 'checking')
Any other number	2038 - Processor Declined	N/A

For micro-transfer verifications

Use the test account numbers and micro-deposit amounts below to simulate the corresponding verification responses:

Account Number	Micro-Deposit Amounts	Processor Response Code	Instant Settlement
1000000000	17 and 29	1000 - Approved	yes
1000000001	17 and 29	1000 - Approved	no
1000000002	n/a	3000 - Processor Network Unavailable – Try Again	no
1000000003	n/a	2005 - Invalid Credit Card Number	no
Any other number	Random	1000 - Approved	no

Using account number 1000000000, once you pass the corresponding micro-deposit amounts, the verification will move to a state immediately.

Using account number 1000000001, the verification will go through a more realistic settlement simulation: the micro-transfers will take 3 business days to settle, and the verification will only move to a state once the micro-transfers have settled and you’ve passed the corresponding micro-deposit amounts.

If you use an account number outside of any of the above, the verification will move to the state successfully, but the micro-deposit amounts will be random and not available to you, as would be the case in production.

For independent check verifications

The sandbox will return a successful verification using any number with 4-17 digits (e.g. 1000000000).

Test values for sandbox transactions

Once a bank account has been marked in sandbox, you can create test transactions that simulate various processor responses you might receive on real-world transaction requests.

Amounts for unsuccessful transactions

In sandbox, the transaction amount determines whether or not a transaction will be successful. Use the following amounts with a verified bank account to simulate unsuccessful transactions:

Test Amount	Initial Status	Final Status
33333.33	Failed	n/a
44444.44	Settlement Pending	Settlement Declined (insufficient funds)*
55555.55	Settlement Pending	Settlement Declined (unauthorized transaction)*
6666.66	Settlement Pending	Settlement Declined (account closed)*
7777.77	Settlement Pending	Settlement Declined (account not found)*

See Transaction Statuses for more information about initial and final states.

*You'll receive a webhook notification if a transaction reaches a final status of Settlement Declined due to non-sufficient funds or unauthorized transaction (also known as an unauth).

Amounts for successful transactions

Transactions in the sandbox will be successful as long as you use:

A verified bank account payment method.
A transaction amount not listed in the test amounts table above.

Go live

Make sure your production account settings mirror the ones in your tested sandbox configuration.
If you've created any Transaction webhooks in sandbox, be sure to recreate them in your production account and point them to your production environment.
Contact us to enable ACH Direct Debit payments in your production account.