Sandbox Experience
verified
customers (persons or businesses) and external accounts."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.
Exampleamount | Direction | Results instatus | Payment Rail | Transfer failure reason |
---|---|---|---|---|
"100" | Debit | "settled" | ACH | N/A |
"100" | Credit or Account-to-Account transfer | "completed" | ACH or RTP | N/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"
.
To simulate insufficient funds in your enterprise balance, you can initiate a transfer request for an amount greater than your available balance.
Exampleamount | Results instatus | Payment Rail | Transfer failure reason |
---|---|---|---|
"101" | "failed" | ACH | Insufficient funds in the source account |
"102" | "failed" | ACH | Closed destination account |
"103" | "failed" | ACH | Insufficient funds in the source account and a closed destination account |
"126" | "failed" | ACH | ACH rejection on the source account |
"127" | "failed" | ACH | ACH rejection on the destination account |
"151" | "failed" | RTP | RTP rejection |
Exampleamount | Payment Rail | NOC Experience |
---|---|---|
"105" | ACH | An NOC will occur after the transfer status is "completed" (status will stay in "completed" ) |
"109" | ACH | An NOC will occur after the transfer status cycles from "completed" —> "failed" and a return occurs (status will stay in "failed" ) |