Simulate an ACH return
Send an ACH sale at an amount the sandbox returns, without waiting days for a real bank to do it.
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What to build
Run the ACH return blueprint, and read the return code off the transaction. Make sure your systems mark the order unpaid rather than issuing a refund: the bank already pulled the money back.
What this means for PCI
This is guidance rather than a compliance determination. Which questionnaire you are eligible for depends on your full environment, so confirm it with your QSA or your acquirer before you rely on it.
Worth knowing
- Transaction.Settled never fires for ACH. Test against Transaction.AchStatusChanged and Transaction.Returned.