Testing Error Scenarios

Any testing environment would be incomplete without the ability to test failures or errors. The Newline Sandbox is designed to prepare our Clients, and their respective end-Customers, for every scenario.

Below, you'll find sections detailing how to initiate failures for specific APIs and types of Transfers. For example, how to simulate an ACH credit origination failure vs. an outgoing Wire failure. For each failure below, you'll want to review the Sandbox section in our API Reference, as it details the fields mentioned.

Virtual Reference Numbers

For Virtual Reference Number testing, failure cases are designed to mock issues when trying to both create the VRN and when trying to register the VRN for Instant Payment use.

VRN Creation

To trigger a failed VRN creation, follow this flow:

• Submit a request to create a VRN, but have the name field start with the text "fail".

VRN Registration

To trigger a failed VRN registration, follow this flow:

• Submit a request to create a VRN, set the synchronous_registration field to "false", and have the name field start with the text "instant payment fail".

Payments

For Payments testing, failure cases are designed to mock expected durations of the payment type in question. For example, Wire failures will take roughly 2 seconds.

Additionally, the following points will be true for any simulated payment failure.

1. Client-initiated simulated failures only cover originated transactions, between general and either wire_external, instant_payments_external, and ach_external Synthetic Accounts. Incoming transactions initiated by Counterparties can be simulated by our Newline Specialists at the Client's request.
2. The Transfer will move through our status workflow in the following order: queued, pending, then failed.
3. An MQ message will also be sent each time the Transfer and Transaction statuses are updated.
4. Once the Transfer is initiated and appropriately fails, you'll be able to query the corresponding transaction record per normal API interaction.

Wire

To trigger a failed Wire, follow this flow:

• Submit a Transfer, but place the text "fail" (not case sensitive) in the wire_instructions field.

Instant Payments

To trigger a failed Instant Payment, follow this flow:

• Submit a Transfer, but place the text "fail" (not case sensitive) in the memo field.

Note   The Sandbox does not populate the failure code or failure reason for a simulated Instant Payment failure.

ACH

To trigger a failed or at-risk ACH entries, follow these flows:

Note   The below flows detail how to trigger both Notifications of Change (i.e., warnings) and Returns (i.e., failures).

Notifications of Change

• Submit a Transfer, but place the text "noc_code_co2" (not case sensitive) in the addenda field.
• The Transaction, when queried, will have following fields populated: noc_code as "CO2", noc_reason as "Incorrect Transit Routing Number".

Returns

• Submit a Transfer, and based on the source_synthetic_account_uid and destination_synthetic_account_uid, it will either be an ACH credit (i.e., ODFI pull), ACH debit (i.e., ODFI push), or prenote. Our debit or credit term use is framed from the perspective of the source account.
• Once that Transfer's status is settled, then supply the resulting Transaction's uid to simulate an ACH return.
  • If the Transaction is an ACH Credit, the ach_return Transaction will have the ach_return_code as "R01" and ach_return_reason as "Insufficient Funds".
  • If the Transaction is an ACH Debit, the ach_return Transaction will have the ach_return_code as "R02" and ach_return_reason as "Account Closed".
  • If the Transaction is a Prenote, the ach_return Transaction will have the ach_return_code as "R03" and ach_return_reason as "No Account/Unable to Locate Account".