Payment Method Types/
ACH Direct Debit/
Testing and Go Live

Testing and Go Live

Test values for sandbox verificationsAnchorIcon

Routing numbersAnchorIcon

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

Account numbersAnchorIcon

For network check verificationsAnchorIcon

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

Account NumberVerification StatusProcessor Response CodeAdditional Processor Response
10000000001000 - ApprovedN/A
10000000011003 - Approved With RiskN/A
10000000023000 - Processor Network Unavailable – Try AgainN/A
10000000042046 - DeclinedN/A
10000000052061 - Invalid Transaction DataInvalid routing number
10000000062092 - No Data Found - Try Another Verification MethodN/A
10000000072092 - No Data Found - Try Another Verification MethodN/A
10000000082061 - Invalid Transaction DataInvalid account number
10000000092061 - Invalid Transaction DataInvalid account type (if selected account is of type 'checking')
Any other number2038 - Processor DeclinedN/A

For micro-transfer verificationsAnchorIcon

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

Account NumberVerification StatusMicro-Deposit AmountsProcessor Response CodeInstant Settlement
100000000017 and 291000 - Approvedyes
100000000117 and 291000 - Approvedno
1000000002n/a3000 - Processor Network Unavailable – Try Againno
1000000003n/a2005 - Invalid Credit Card Numberno
Any other numberRandom1000 - Approvedno
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 verificationsAnchorIcon

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

Test values for sandbox transactionsAnchorIcon

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 transactionsAnchorIcon

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 AmountInitial StatusFinal Status
33333.33Failedn/a
44444.44Settlement PendingSettlement Declined (insufficient funds)*
55555.55Settlement PendingSettlement Declined (unauthorized transaction)*
6666.66Settlement PendingSettlement Declined (account closed)*
7777.77Settlement PendingSettlement 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 transactionsAnchorIcon

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

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

Go liveAnchorIcon

  1. Make sure your production account settings mirror the ones in your tested sandbox configuration.
  2. 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.
  3. Contact us to enable ACH Direct Debit payments in your production account.