Testing Simulator User Guide
TxB Testing Simulator
Our testing simulator is interoperable across our payment Files, APIs, Webhooks and File-based reporting offerings. Initiate a payment using the respective trigger amounts to simulate each scenario.
ACH Simulator
Validate successful settlement of outbound payments, and incoming returns.
| Scenario | Trigger Amount | Comments |
|---|---|---|
| Outbound | Anything below 10,000,000 - excluding below trigger amounts | Outbound ACH payment/collection will be Accepted, Released, then Settled |
| Return - Generate a linked incoming return to your outbound payment. Return reason and code corresponds to the trigger amount. | 630.01 | R01 with return reason 'Insufficient Funds' |
| 630.02 | R02 with return reason 'Account Closed' | |
| 630.03 | R03 with return reason 'No Account/Unable to Locate Account' | |
| 630.04 | R04 with return reason 'Invalid Account Number Structure' | |
| 630.05 | R05 with return reason 'Unauthorized Debit to Consumer Account using Corporate SEC code' | |
| 630.07 | R07 with return reason 'Authorization Revoked by Customer' | |
| 630.08 | R08 with return reason 'Payment Stopped' | |
| 630.09 | R09 with return reason 'Uncollected Funds' | |
| 630.10 | R10 with return reason 'Unauthorized' | |
| 630.11 | R11 with return reason 'Unauthorized-Customer Advises Entry Not in Accordance with the Terms of the Authorization' | |
| 630.14 | R14 with return reason 'Representative Payee Deceased or Unable to Continue in that Capacity' | |
| 630.15 | R15 with return reason 'Beneficiary or Account Holder (Other Than a Representative Payee) Deceased' | |
| 630.21 | R21 with return reason 'Invalid Company Identification' | |
| 630.22 | R22 with return reason 'Invalid Individual ID Number' | |
| 630.23 | R23 with return reason 'Credit Entry Refused by Receiver' | |
| 630.29 | R29 with return reason 'Corporate Customer Advises Not Authorized' |
SWIFT Simulator
Validate different SWIFT GPI statuses and reason codes from test intermediary/receiving banks.
| Scenario | Trigger Amount | Comments |
|---|---|---|
| 1.Receive ACCC status from receiving bank BIC HSBCGBUKXX | Anything below 10,000,000 - excluding below trigger amounts | N/A |
| 1.Receive ACSP status from intermediary bank BIC CHASE1USXX 2. Then, receive ACCC status from receiving bank BIC HSBCGBUKXX | 10 ≤ x < 100 | For ACSP status, use the following for 'G000' or 'G001' reason code:. 10 ≤ x < 90; reason code will be 'G000' 90 < x < 100;reason code will be 'G001' |
| 1.Receive ACSP status from receiving bank BIC CHASE1USXX | 100 ≤ x < 500 | For ACSP status, use the following for 'G002' or 'G003' reason code:. 100 ≤ x < 400; reason code will be 'G002' 400 < x < 500;reason code will be 'G003' |
| 1.Receive ACSP status from intermediary bank BIC CHASE1USXX 2.Then, receive RJCT status from receiving bank BIC ROYBS144XX | 150,000 ≤ x < 200,000 | For ACSP status, use the following for 'G004'. 150,000 ≤ x < 200,000; reason code will be 'G004' |
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