2009
Table Of Contents
- Contents
- Signing Up for Payflow ACH Payment Service
- About ACH Payments
- Summary of Authorization Requirements
- How Payflow ACH Payment Works
- ACH Payment Flow
- Timetable for a Typical ACH Payment
- Example of a Successful Business-to-Business Debit/Sale Payment
- Example of a Business-to-Business Sale/Debit Payment With a Customer Return Within Three Posting Days
- Example of a Business-to-Consumer Sale/Debit Payment With a Customer Return After Three Posting Days
- Example of a Successful Business-to-Consumer Credit Payment
- Example of a Business-to-Consumer Credit Payment With a Customer Side Return
- ACH Payment Types
- Retrying Returned Payments
- Notifications of Change
- Using PayPal Manager to Perform ACH Payments
- Using the Payflow Pro SDK to Perform ACH Payments
- Testing ACH Payments Using the Payflow SDK
- Responses to ACH Payment Requests
- Index
Payflow ACH Payment Service Guide 47
Testing ACH Payments Using the Payflow SDK
Simulating NSF Retries
7
R status codes are described in “NACHA Return Status Codes” on page 50.
Simulating NSF Retries
If your Payflow ACH Payment account is configured to perform NSF retries, then you can use
simulated payments to move through the sequence of status codes shown in Table 7.3. The
status codes appear on a schedule based on the retry interval that you specified when
configuring your Payflow ACH Payment account.
To simulate this process, submit a payment that generates an R01 result. Table 7.3 reflects the
sequence of Status Codes.
TABLE 7.2 Generating a particular settlement status
ABA Routing
Number Bank Account Number Initial Status
Settled
Status Code
111111118 1234567801 P02 R01
111111118 1234567802 P02 R02
111111118 1234567803 P02 R03
111111118 Any account number other than
1111111111, 1234567801, or
1234567802
P02 R03
T
ABLE 7.3 Generating a retry
Condition of Payment Status Code NSF Retries Timeline
Payment submitted P02 N/A 0
Payment settled P03 N/A 7 p.m. on Banking
day
NSF (R01) is received N/A within an hour
Set up for first retry (waiting period) P04 1
First retry submitted P03 1 depends on retry
interval
Payment settled P03 N/A 7 p.m. on Banking
day
NSF (R01) is received N/A within an hour
Set up for second retry P04 2
Second retry submitted P03 2 depends on retry
interval