Direct Debit Simulator
In the production environment, different statuses are received from banking partners like returns/rejections for Direct Debit transactions. To replicate a few of them in a test environment, a simulator service is enabled.
The functionality of this simulator is to mimic bank return responses based on the input transaction triggers (specifically, transaction amount received in the input). Depending on the matched trigger, the return response will be simulated similar to production with the respective return codes.
The return responses that the simulator replicates are batch responses, not a real-time API response that is provided at the time of creation of transactions.
Merchant can receive these simulated statuses/responses for the created transactions through the following options:
- GET APIs
- Merchant back-office portal
- Webhooks (if opted)
Currently, only the following schemes and return codes are supported. Other schemes and possible return codes are being worked on and will be soon released for simulation.
ACH
| Reason Code | Scheme | Trigger Amount | Comments |
|---|---|---|---|
| R01 | ACH | 6001 | Insufficient funds |
| R03 | ACH | 6002 | No account/unable to locate |
| R02 | ACH | 6003 | Account closed |
| R08 | ACH | 6004 | Stop payment |
| R29 | ACH | 6005 | Corp customer adviser not authorized |
| ACH | 6600 | Trigger amount for SETTLEMENT_CLEARED Event | |
| ACH | Rest of the amounts | Trigger amount for PAYMENT_COMPLETED Event |
EFT
| Reason Code | Scheme | Trigger Amount | Comments |
|---|---|---|---|
| 901 | EFT | 9001 | Not sufficient funds (debits only) |
| 902 | EFT | 9002 | Cannot trace |
| 905 | EFT | 9003 | Account closed |
| 903 | EFT | 9004 | Payment stopped/recalled |
| 900 | EFT | 9005 | Validation Rejection |
| EFT | 9900 | Trigger amount for SETTLEMENT_CLEARED Event | |
| EFT | Rest of the amounts | Trigger amount for PAYMENT_COMPLETED Event |
Do not send real-time data like name, e-mail, phone, address, account number in the development environment.
Direct Debit Simulator - SEPA
| Reason Code | Scheme | Trigger Amount | Comments |
|---|---|---|---|
AM04 | SEPA | 7001 | No fund - Insufficient funds. |
SL01 | SEPA | 7002 | Invalid account - specific service offered by debtor agent. |
MS03 | SEPA | 7003 | Invalid account - reason not specified. |
MS02 | SEPA | 7004 | Invalid account - refusal by debtor. |
MD06 | SEPA | 7005 | Suspended - disputed authorized transaction. |
| SEPA | 7700 | Cleared status. |