While ACH transfers provide a relatively simple way to transfer funds between two accounts at different banks, we recommend that you understand and test the various scenarios you may encounter while using this payment rail before launching your application.
/ach
endpoint/simulations
endpointSimulation Type | Description |
---|---|
ach.processing_sent | Simulate an ACH being sent by validating, processing, and sending the ACH immediately. If an ACH fails validation or processing, the ACH is instead updated to an error status. |
ach.processing_returned | Simulate an ACH being returned by validating, processing, sending, and returning the ACH immediately. Similarly to processing_sent, any validation or processing failure will cause the ACH status to be updated to error. |
ach.incoming_ach | Simulate an incoming credit or debit (externally originated) ACH. |
/ach
endpoint to create a new object that includes the following parameter(s) in the userdata
field.
Parameter | Type | Required? | Description |
---|---|---|---|
manual | boolean | Required | A value of true indicates that this ACH should not be processed until a simulation request is received. |
scheduled_settlement | integer | Only applicable to debit ACHs. The number of minutes to wait after the simulation is submitted to capture the ACH request. Defaults to 15 minutes if unset. |
ach.processing_sent
simulation to process the ACH and move it to a sent status.
userdata
field, the manual
flag tells the system to wait for a simulation request before processing this transaction, and the scheduled_settlement
value of “0” determines that when that request is received, it will wait 0 minutes before settling.
sent
Statussent
using the ach.processing.sent
simulation type.
Next, ensure that you pass the in the id of the ACH you created in the previous step in the ach_id
property of the simulation
sub-object.
Test Subject | Description |
---|---|
Originated ACH credit | Verify receipt of funds by the receiving account. |
Originated ACH debit | Verify receipt of funds in the originating account, then review and understand settlement times for ACH debit transfers. |
Incoming ACH credit | Initiate an ACH credit from an external account to an account on the Treasury Prime platform, and verify receipt of funds in the receiving account. |
Incoming ACH debit | Initiate an ACH debit from an external account to an account on the Treasury Prime platform, then verify the withdrawal of funds from the Treasury Prime account, and the deposit of funds in the originating account. |
Originated ACH Credit from an account with insufficient funds | Originate an ACH credit for a greater amount than is available in the funding account to trigger an insufficient funds failure. |
ACH Debit from an account with insufficient funds | Originate an ACH debit for a greater amount than is available in the funding account to trigger an insufficient funds failure and a return. |
ACH Timing | Test the usage and settlement times for standard and sameday ACH transfers (if being used). |