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# 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.](/api-reference/api-reference/redeem/get-redeem-transaction)