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 | R01 Insufficient funds reasonCode:R01 |
| R03 | ACH | 6002 | R03 No account/unable to locate, reasonCode:R03 |
| R02 | ACH | 6003 | R02 Account closed, reasonCode:R02 |
| R08 | ACH | 6004 | R08 Stop payment, reasonCode:R08 |
| R29 | ACH | 6005 | R29 Corp cust. adviser not auth., reasonCode:R29 |
| 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 | 901 Not sufficient funds (debits only), reasonCode:901 |
| 902 | EFT | 9002 | 902 Cannot trace |
| 905 | EFT | 9003 | 905 Account closed |
| 903 | EFT | 9004 | 903 Payment stopped/recalled |
| 900 | EFT | 9005 | 900 Validation Rejection, reasonCode:900 |
| 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.