Testing ACH Payments
ACH Payments
Coinflow provides a mock bank that can be used to fully test integration in our sandbox environment (no actual bank interaction occurs). The mock provider will accept any account numbers, routing numbers, names and addresses. The following amounts will trigger the defined results.
Test Amounts
| Amount | Type | Result |
|---|---|---|
| 11.11 | Total | Bank account setup will fail - the account/routing numbers are in the negative accounts table |
| 0.01 | Subtotal | Will not get picked up for batching - will stay pending |
| 1.11 | Subtotal | On system ACH update, will fail - the account/routing numbers are in the negative accounts table |
| 2.22 | Subtotal | On system ACH update, will be marked as returned - insufficient funds |
| 3.33 | Subtotal | On system ACH update, will be be marked as returned - invalid account number |
| 4.44 | Subtotal | On system ACH update, will first be marked as batched. After 3 days will be marked as settled. The next ACH update after that, will be marked as a chargeback - stop pay on item |
| Any other | Subtotal | On system ACH update, will first be marked as batched. After 3 days will be marked as settled. |
Test Bank Account Numbers
Linking a Bank Account in Sandbox
When linking a customer bank account in sandbox, Coinflow’s bank-link flow accepts the standard sandbox credentials documented by the underlying bank-link provider. Reach out to your Coinflow integration representative if you need the current sandbox credentials.
Test Settling to a Bank Account
Merchants who are settling to a bank account can pass the below routing and account numbers on sandbox. Please ensure you change these values to reflect your actual bank settlement location on production.
| Type | Number |
|---|---|
| Routing | 021000021 |
| Account | 1111222233331111 |
ACH Statuses and Error Codes
ACH payments will go through multiple stages before the payment settles. View all ACH Statuses and error codes here.