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

Plaid

When connecting a bank account through plaid, you may use Plaid’s sandbox credentials as noted here.

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.