Batch (sFTP) APIs

Integration

Integration Overview

The integration within the gateway can be tested using data presented below.

Test Cards and Bank Accounts

The following accounts are accepted by the test server's validation mechanism and thus can be used for preliminary testing (they are also used as a part of the certification process):

Card Type	Card Number	Expiration Date
Visa	4111111111111111	0430
MasterCard	5499740000000057	0430
Discover	6011000991001201	0430
AmEx	371449635392376	0430

Country	Bank Account Number	Token (Simple)	Token (Extended)	Routing Number	Account Type
US	4099999992	BC11190000010030019992	XBC00P0000000011190000010030014099009992	021000021	Checking
AU	7694200031	BC12345667081067830031	XBC00P0000000012345667081067837694000031	093088	Checking
CA	5682100032	BC12345644275009280032	XBC00P0000000012345644275009285682000032	053133052	Checking

Test Amount Ranges

As part of testing, the amount ranges specified below can be used to trigger specific response codes from the server. Any valid account number and properly formatted billing address can be used for the test.

When working with test amount ranges, pay attention to the asterisks in the table below:
*D08/D21 response codes apply only in the cases when CSC/PIN code has been submitted. Otherwise, A01 Approved is returned.
**This range is designated to test partial authorizations. Note that A05 Partially Approved response can be received under the condition if isPartialAuthorization field value is submitted as 1 and transactionIndustryType is submitted as either Retail or Restaurant, otherwise A01 Approved response is received.
***This range is designated to test chargebacks and reversals. In this scenario, the original transition is approved (A01 Approved is received in the response), but after a realtime transaction cycle is closed (batches settled for direct debit), a chargeback (for Z01 code) or chargeback and reversal is generated.
****This range is designated to test rejects. In this scenario, the original transition is approved (A01 Approved is received in the response), but after processing, the reject with D27 response code is generated.

Note:
The amounts ending with 7 (for example, x.x7 dollars) are designated to test chargebacks. In this scenario, A01 approval code is received in the response, but after a realtime transaction cycle is closed, a chargeback is generated with Z02 code.
The amounts ending with 8 (for example, x.x8 dollars) are designated to test chargeback reversals. In this scenario, A01 approval code is received in the response, but after a realtime transaction cycle is closed, a chargeback reversal is generated with Z01 code.

Sale/Sale-auth

Amount Range		Payment Card		Direct Debit
In dollars	In cents	Response code	Response message	Response code	Response message
70.00 – 74.99	7000 – 7499	D01	Denied by customer's bank	R01	Insufficient Funds
75.00 – 79.99	7500 – 7999	D02	Invalid Expiration Date	R02	Account Closed
75.00 – 79.99	7500 – 7999	D02	Invalid Expiration Date	R02	Account Closed
80.00 – 84.99	8000 – 8499	D03	Insufficient Funds	R03	No Account
85.00 – 89.99	8500 – 8999	D04	Hold - Pick up card	R04	Invalid Account Number
90.00 – 94.99	9000 – 9499	D05	Invalid card number	R05	Unauthorized Debit to Consumer Account Using Corporate SEC Code
95.00 – 99.99	9500 – 9999	D06	No account	R07	Revoked Authorization
100.00 - 104.99	10000 – 10499	D08*	CSC is invalid	R10	Advised as Unauthorized, Item is Ineligible, Notice not provided, Signatures not Genuine, or Item Altered, Improper Source Document, Amount of Entry not Accurately Obtained
105.00 - 109.99	10500 – 10999	D09	Duplicate Transaction	R16	Account Frozen
110.00 - 114.99	11000 - 11499	D10	Card reported lost/stolen	R51	Item is Ineligible; Notice not Provided; Signature Not Genuine; Item Altered; Amount of Entry not Accurately Obtained
115.00 - 119.99	11500 - 11999	D16	Card is Expired	R99	Transaction rejected by processor
120.00 - 124.99	12000 - 12499	D17	Re-enter Transaction
125.00 - 129.99	12000 - 12499	D18	Bad Amount
130.00 - 134.99	13000 - 13499	D21*	Pin Try Exceeded
135.00 – 139.99	13500 – 13999	D27	Transaction Error
140.00 – 144.99	14500 - 14999	D29	Card is restricted
150.00 – 159.99	15000 – 15999	A05**	Partially Approved
160.00 – 169.99	16000 – 16999	Z02***	Chargeback received
170.00 – 174.99	17000 - 17499	D30	Call for Authorization
175.00 – 179.99	17500 - 17999	D33	Incorrect merchant setup
180.00 – 184.99	18000 – 18499	D41	Processing Error
190.00 – 194.99	19000 – 19499	Z01***	Reversal received
195.00 – 199.99	19500 – 19999	D27****	Transaction Error

Credit (Credit Cards)

When working with test amount ranges, pay attention to the asterisks in the table below:
*This range is designated to test rejects. In this scenario, A02 approval code is received in the response but after a realtime transaction cycle is closed (batches settled for direct debit), a reject is generated for transactions with the indicated amount range.

Amount Range (in dollars)	Amount Range (in cents)	Response Code	Response Message
90.00 – 94.99	9000 – 9499	D05	Invalid card number
95.00 – 99.99	9500 – 9999	D06	No account
135.00 – 139.99	13500 – 13999	D27*	Transaction Error
180.00 – 184.99	18000 – 18499	D41	Processing Error

Credit (Direct Debit)

Note that in scenarios below, the original transaction is approved (A02 Credit Posted code is returned), but after the realtime transaction cycle is closed, the return is generated.

Amount Range (in dollars)	Amount Range (in cents)	Response Code	Response Message
75.00 – 79.99	7500 – 7999	R02	Invalid card number
80.00 – 84.99	8000 – 8499	R03	No Account
85.00 – 89.99	8500 – 8999	R04	Invalid Account Number
115.00 – 119.99	11500 – 11999	R99	Transaction rejected by processor

Notice of Change

Amount Range		Direct Debit
In dollars	In cents	Response code	Response message
170.00 – 171.99	17000 – 17199	С01	Customer's account number is incorrect.
172.00 – 173.99	17200 – 17399	С02	Customer's routing number is incorrect.
174.00 – 175.99	17400 – 17599	С03	Customer's routing number and DFI account numbers are incorrect.
176.00 – 177.99	17600 – 17799	С04	Customer's name is incorrect.
178.00 – 179.99	17800 - 17999	С05	Customer's account type (Savings/Checking) is incorrect.
180.00 – 181.99	18000 – 18199	С06	Account number is incorrect and transaction is being routed to the wrong type of account.

AVS Verification

As part of testing, the ZIP codes specified below can be used to trigger specific AVS response codes from the server.

ZIP Code	AVS Response Code	Response Message
11111	00	AVS Error - Retry, System unavailable or Timed out
22222	46	Street address doesn't match, 5-digit ZIP matches
33333	43	Street address not available (not verified), ZIP matches
44444	40	Address failed
55555	4F	Street address and ZIP match

Test Data for Account Updater

For testing of account updater mechanism, the following accounts and associated token values can be used:

Card Brand	Card Number	Token	Updated Card Number	Updated Token
Visa	4111111111111111	VC84632147254611111111	4217651111111119	VC48963129999944441119
Visa	4005519200000004	VC84632147254611130004	4012000033330021	VC84632147254611120021
MasterCard	5499740000000057	MC32541698745800570057	5149612222222229	MC57543852138455552229
MasterCard	5240183220119336	MC65801093696493369336	5545391269367425	MC65880932249074257425
Discover	6011000991001201	DC65874123589012011201	6011680682107514	DC65373768825875147514
Discover	6488652476636689	DC65418252544466896689	6465524952581795	DC65419335329617951795

Additionally, the month value of an expiration date can be used in conjunction with account number/token value to trigger a specific response from the server. To trigger the respective card number or expiration date value update, month value of the expiration date must be changed to the ones listed in the table below:

Month	Response Code	Response Message	Updated Data
01	UA	Account Number Updated	Account number (see the table above for the updated values)
02	UE	Expiration Date Updated	Expiration date (will be updated using the following template: 03[current year+2]. For example, 0714 will be updated to 0316.)
03	UN	No Updates	No updates
04	CC	Contact cardholder	No updates
05	NN	No Match	No updates
06	XX	Data unavailable	No updates