Transfers Sandbox Experience

Simulating Transfer Statuses In Sandbox

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Testing

Be sure to test transfers with verified customers (persons or businesses) and external accounts.

Simulating Successful Transfers Sandbox

When you are simulating successful transfers in sandbox, the transfer statuses that you see will depend on whether you initiate a debit, a credit or an account-to-account transfer. In the case of a successful debit, the final transfer status will be "settled". In the case of a successful credit or account-to-account transfer, the final transfer status will be "completed". As displayed in the table below, in both cases, you will use an amount of "100" to simulate a successful transfer.

Example amountDirectionResults in statusPayment RailTransfer failure reason
"100"Debit"settled"ACHN/A
"100"Credit or Account-to-Account transfer"completed"ACH or RTPN/A

Simulating Failed Transfers Sandbox

Use the table below to simulate some of the potential transfer failures that may occur in Production. For ACH transfers the transfer will initially transition to a "completed" status before transitioning to a `"settled" or"failed"status. For a complete list of status reasons, as well as a status workflow diagram, refer to Transfers

To simulate a transfer failure caused by a specific payment rail reason in either the source or destination account, you can pass an amount that ends in one of the examples provided in the table below. It is important to note that only the cents in the amount will impact the outcome, not the dollars. For instance, an amount of "101" would produce the same result as "10001".

Example amountResults in statusPayment RailTransfer failure reason
"101""failed"ACHInsufficient funds in the source account
"102""failed"ACHClosed destination account
"103""failed"ACHInsufficient funds in the source account and a closed destination account
"126""failed"ACHACH rejection on the source account
"127""failed"ACHACH rejection on the destination account
"151""failed"RTPRTP rejection

Please note:

  • All transfers in sandbox will cycle to the final state chosen above (completed, settled or failed) within ~5 minutes

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Webhooks

Configure webhooks in order to receive the expected status update events.


Whatโ€™s Next