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Overview
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Level 1 ACH verification compares the given account information against a neg file database. Results for accounts that do not contain any negative data will return an AUTH NUM indicating that no negative events have been recorded for the account. Additional info will be passed with the AUTH NUM in the <description> field with a pip ("|") delimiter.
Additional Info
| value | description |
|---|---|
| History of Ineligible | Account does have a reported history and there is known transaction history on the account. |
| Routing Number is Invalid | Invalid bank routing number |
| History of Unauthorized | Account does not have a reported history or returns for Account Closed, Invalid Account, No account found, or Unable to locate, the routing number and account format are verified and there is no known transactional history on the account. |
Wrong Account Structure | The account identified as suspicious format |
| Not populated | Account does not have a reported history or returns for Account Closed, Invalid Account, No account found, or Unable to locate, the routing number and account format are verified, and there is known transactional history on the account. |
Format
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Format Accept
<auth_code>
AUTH NUM
</auth_code>
Example Accept<auth_code> AUTH NUM| 6847027C </auth_code>
Format Warning/Reject
<description>
ADDITIONAL INFO
</description>
Example Warning/Reject
<description> AUTHHISTORY NUMOF 53793041|AcceptUNAUTHORIZED </description>
Debug and Test ACH Information
| decision | value | bank name | routing number | account number |
|---|---|---|---|---|
| ACCEPT | Valid (AUTH NUM) | Bank of America | 053200983 | 11101010 |
| WARNING | History of Ineligible | Bank of America | 226078036 | 13590100098321 |
| WARNING | Routing Number is Invalid | Bank of America | 053200983 | 11101012 |
| DECLINE | History of Unauthorized | Bank of America | 041123124226078036 | 101123456713590100098319 |
| WARNING | Wrong Account Structure | Bank of America | 053200983 | 11101015 |
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| value | description |
|---|---|
| Non-Participating: Negative Information | This customer's bank does not participate in the Bank ACH Verification system. However, the normal negative database has negative information (returned checks) that are in the system. |
| ACH Unavailable | This merchant's bank account is not able to be debited via the ACH system. |
| Non-Participating: No Info | This customer's bank does not participate in the Bank ACH Verification system and the customer's bank account has not been seen in the negative database system. |
| Account Closed or Neg Status | The customer's bank participates in the Bank ACH Verification system and is reporting this account as Closed or in a state that will result in the ACH transaction being returned. |
| Account Good | The customer's bank participates in the Bank ACH verification system and is reporting this account as open and in good standing. |
Format
<description> AUTH NUM|ADDITIONAL INFO </description>
Example
<description> AUTH NUM 53793041|Non-Participating: No Info </description>
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