TEST ACCOUNT DETAILS: NORTH AMERICAN ACH/EFT DEBIT TESTING

Notes on ACH Processing:

ACH/EFT (also known as eCheck) transaction processing is not in "Real Time" like credit card transactions. There can be processing delays while the data is moving between iATS Payments, our Bank and the donor's Bank.

Live and test ACH/EFT processing is sent to the bank as per the following schedule:

  • Monday and Tuesday: File sent twice per day (3am and 3pm PDT)
  • Wednesday to Friday: File sent once per day (3pm PDT)
  • No files are sent over the weekend or on US bank holidays.

When ACH/EFT transactions are sent to iATS for processing, there are different stages that each transaction will go through:

  • "Tobesent": the transaction is waiting to be sent to iATS' bank as per the schedule above
  • "Pending": the transactions have been sent to the bank, but final approval or rejection has not been received from the bank. (This stage generally takes 1 business day.)
  • "OK:BankAccept" or "OK:Reject": the final results from the bank indicating approval or decline. Check the details of the Reject Journal report in the iATS customer portal for more information.
  • "Return": a separate return record may be recorded on the iATS Journal report. These may be posted at any future date, and has been issued by the bank or donor. Check the details of the Return report on the iATS customer portal for more information.

Notes on ACH testing: 

For North American testing, any account details can be used. However, we recommend the following details:

CANADA

Bank Number 123
Transit Number 00000
Account Number 123456

 

USA

Routing Number 111111111
Account Number 12345678

 

 

ACH DYNAMIC TESTING PARAMETERS

Desired Final Status

Amount Value to Use Results and Timing
Approved $1.00

Final status received within 1 business day

  • Status will be dynamically changed from ToBeSent (initial value) to Pending as per schedule in notes above
  • Status will be changed to Approved approximately 1 hour after being sent to bank
Rejected Any value except $1.00 and $3.00

Final status received within 1 business day

  • Status will be dynamically changed from ToBeSent (initial value) to Pending as per schedule in notes above
  • Status will be changed to Rejected approximately one hour after being sent to bank
Returned $3.00

Final status received within 1 business day

  • Status will be dynamically changed from ToBeSent (initial value) to Pending as per schedule in notes above
  • Status will be changed to Approved approximately 1 hour after being sent to bank
  • A new Return record will be created and posted the next business day

 

Please note: There is a transaction limit of $2,000.00 per charge. Amounts above will receive a response of Rej:39.