Search

Transaction Simulator

This specification provides an explanation on how a range of transactions submitted to the Test Network will trigger certain responses which mirror the possible responses in production.

Overview

Transactions will be submitted to the Test Network for a range of amounts between $0.01 and $1.45 with a routing number of 123456780. Each amount in the range will trigger a certain state that a transaction can occur in. For example, if $1.28 is submitted, than a status of 5 will be generated, which indicates a Chargeback. Transactions will be updated every 10 minutes to the indicated status below.

B.O. EXCEPTIONS

In transaction log, these appear as status 12. These create a backend warehouse transaction with the indicated B.O. Exception. For example, $0.02 will create a status of 12 in transaction log, but will create a B.O. Exception of 1 in the warehouse. This exception can be seen through reports that can be run on the Test server.

ID	DESCRIPTION	TRIGGER AMOUNT
0	Originated	0.01
1	Routing Number Failed Check Digit Validation	0.02
2	Routing Number is Missing	0.03
3	Account Number is Missing	0.04
9	Name is Missing	0.05
10	Name is Invalid	0.06
11	Amount is Missing	0.07
12	Amount is Invalid	0.08
13	Account Type is Missing	0.09
14	Account Type is Invalid	0.10
15	Company Code is Invalid	0.11
20	SEC Code is Missing	0.12
21	Credit Transaction for WEB or TEL SEC Code	0.13
22	SEC Code is Invalid	0.14
23	FH_Template_ID is Missing or Invalid	0.15
51	Dollars Daily Max Threshold Exceeded	0.16
52	Dollars Monthly Max Threshold Exceeded	0.17
53	Transactions Daily Max Threshold Exceeded	0.18
54	Transactions Monthly Max Threshold Exceeded	0.19
55	Dollars Daily per Consumer Max Threshold Exceeded	0.20
61	Duplicate Entry	0.21
63	Company is Suspended	0.22
64	Bank Account Blocked (ChargeBack)	0.23
65	Bank Account Blocked (NOC)	0.24
66	Company is Terminated	025
67	Credit Reserve Balance Exceeded	0.26
69	ORAC	0.27
70	Credit Waiting for Settlement	1.46
71	Credit Blocked due to Settlement Return	1.47
75	Merchant Requested Manual Cancel	0.28
81	Selected for Random Telephone Inquiry	0.29
82	Selected for Random Email Inquiry	0.30
90	MyECheck: Address is Invalid	0.31
91	MyECheck: RDFI is Missing in RoutingNumbers Table	0.32
95	Declined on the Web	0.33
96	Consumer Requested Block	0.34
97	RDFI Stopped	0.35
99	Unvalidated	0.36

Return Codes

Return Codes are located in transaction log in the ReturnReasonCode field. If there is a ReturnReasonCode, there will also be an entry in ReturnDate for the date the return was received.

ID	Description	Trigger Amount
R01	Insufficient Funds (NSF)	0.37
R02	Account Closed	0.38
R03	No Account / Unable to Locate	0.39
R04	Invalid Account Number	0.40
R05	Unauthorized Debit to Consumer Account Using Corporate SEC Code	0.41
R06	Returned per ODFI’s Request	0.42
R07	Authorization Revoked by Consumer	0.43
R08	Payment Stopped	0.44
R09	Uncollected Funds	0.45
R10	Customer Advises Not Authorized, Notice Not Provided, Improper Source Document, or Amount of Entry Not Accurately Obtained From Source Document	0.46
R11	Check Truncation Entry Return	0.47
R12	Account Sold to Another DFI	0.48
R13	Invalid ACH Routing Number (formerly: RDFI Not Qualified to Participate)	0.49
R14	Representative Payee Deceased or Unable to Continue in that Capacity	0.50
R15	Beneficiary or Account Holder (Other Than a Representative Payee Deceased)	0.51
R16	Account Frozen	0.52
R17	File Record Edit Criteria	0.53
R18	Improper Effective Entry Date	0.54
R19	Amount Field Error	0.55
R20	Non-Transaction Account	0.56
R21	Invalid Company Identification	0.57
R22	Invalid Individual ID Number	0.58
R23	Credit Entry Refused by Receiver	0.59
R24	Duplicate Entry	0.60
R25	Addenda Error	0.61
R26	Mandatory Field Error	0.62
R27	Trace Number Error	0.63
R28	Routing Number Check Digit Error	0.64
R29	Corporate Customer Advises Not Authorized	0.65
R30	RDFI Not Participant in Check Truncation Program	0.66
R31	Permissible Return Entry	0.67
R32	RDFI Non-Settlement	0.68
R33	Return of XCK Entry	0.69
R34	Limited Participation DFI	0.70
R35	Return of Improper Debit Entry	0.71
R36	Return of Improper Credit Entry	0.72
R37	Source Document Presented for Payment	0.73
R38	Stop Payment on Source Document	0.74
R39	Improper Source Document	0.75
R40	Return of ENR Entry by Federal Government Agency (ENR Only)	0.76
R41	Invalid Transaction Code (ENR Only)	0.77
R42	Routing Number / Check Digit Error (ENR Only)	0.78
R43	Invalid DFI Account Number (ENR Only)	0.79
R44	Invalid Individual ID Number / Identification Number (ENR Only)	0.80
R45	Invalid Individual Name / Company Name (ENR Only)	0.81
R46	Invalid Representative Payee Indicator (ENR Only)	0.82
R47	Duplicate Enrollment (ENR Only)	0.83
R50	State Law Affecting RCK Acceptance	0.84
R51	Item is Ineligible, Notice Not Provided, Signature Not Genuine, Item Altered, or Amount of Entry Not Accurately Obtained from Item	0.85
R52	Stop Payment on Item	0.86
R53	Item and ACH Entry Presented for Payment	0.87
R61	Misrouted Return	0.88
R62	Incorrect Trace Number	0.89
R63	Incorrect Dollar Amount	0.90
R64	Incorrect Individual Identification	0.91
R65	Incorrect Transaction Code	0.92
R66	Incorrect Company Identification	0.93
R67	Duplicate Return	0.94
R68	Untimely Return	0.95
R69	Multiple Errors	0.96
R70	Permissible Return Entry Not Accepted	0.97
R71	Misrouted Dishonored Return	0.98
R72	Untimely Dishonored Return	0.99
R73	Timely Original Return	1.00
R74	Corrected Return	1.01
R75	Original Return Not a Duplicate	1.02
R76	No Errors Found	1.03
R80	Cross-Border Payment Coding Error	1.04
R81	Non-Participant in Cross-Border Program	1.05
R82	Invalid Foreign Receiving DFI Identification	1.06
R83	Foreign Receiving DFI Unable to Settle	1.07
R84	Entry Not Processed by OGO	1.08
R99	Check21	1.09

NOTICE OF CHANGE (NOC)

NOCs are located in TransactionLog in the IndividualId field which contains the NOCcode. Also, the NOCDate field will contain the date when the NOC was received.

ID	Description	Trigger Amount
C01	Incorrect DFI Account Number	1.10
C02	Incorrect Routing Number	1.11
C03	Incorrect Routing Number and Incorrect DFI Account Number	1.12
C04	Incorrect Individual Name / Receiving Name Company	1.13
C05	Incorrect Transaction Code	1.14
C06	Incorrect DFI Account Number and Incorrect Transaction Code	1.15
C07	Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code	1.16
C08	Incorrect Foreign Receiving DFI Identification	1.17
C09	Incorrect Individual Identification Number	1.18
C10	Incorrect Company Name	1.19
C11	Incorrect Company Identification	1.20
C12	Incorrect Company Name and Incorrect Company Identification	1.21
C13	Addenda Format Error	1.22

ORIGINATION STATUS CODES

These status codes are contained in TransactionLog in the Status field.

Code	Status	Trigger Amount
0	Processed	1.23
1	Originated	1.24
2	Funded	1.25
3	Returned	1.26
4	Insufficient Funds (NSF)	1.27
5	Chargeback	1.28
6	Invalid	1.29
7	Declined	1.30
8	Refund	1.31
9	Credit	1.32
10	Incomplete	1.33
11	Cancelled	1.34
12	BO Exception	1.35
13	Downloaded	1.36
14	Credit Originated	1.37
15	Credit Downloaded	1.38
16	Credit Return	1.39
17	Credit Funded	1.40
18	Declined Downloaded	1.41
19	First Recycle	1.42
20	Second Recycle	1.43
21	Failed Recycle	1.44
88	Authentication	1.45