Direct Debit Network
Starting with Chargent version 6.15, you can now select the Bank Account network for your region during the gateway setup process. Cybersource uses the ACH Network. This will allow for the correct Direct Debit Network fields to be displayed on Payment Requests and Payment Console based on your region.
You should choose ACH – US as the network. ACH is also known as echeck or electronic check.
Once you have your Direct Debit Network set, you will see the appropriate field names on your Payment Request that are sent as well as your internal Payment Console.
Testing using Chargent Anywhere
Testing with Payment Console
To test using the Payment Console, you want to navigate to any record in your Sandbox that has the Chargent Anywhere Component enabled.
- Click the [PaymentConsole] button
- If you are using multiple gateways select your gateway from the dropdown otherwise continue to step 3
- Enter all the Billing Information and click [Next]
- Enter in a test credit card number, expiration date, and CVC code based on the PayTrace test credit cards below. If you are testing ACH you can use the PayTrace Bank Account test numbers.
- Click the [Charge] button.
You should receive a green box showing Approved.
Testing using Payment Request
To test using a Payment Request you want to be sure you have the Chargent Payment Request feature set up as outlined in our documentation.
- Click the [Send Payment Request] button
- If you have multiple Payment Request templates set up you will first choose what template you want to use.
- Enter an email address where you want to send the test Payment Request along with any amount.
- Enter a Contact name (Optional)
- Click the [Send Request] button
When you receive the email, click the secure link for the Payment Request. Use one of Cybersource Credit Cards or bank account testing numbers to complete the payform and submit the payment.
You should receive a green box confirmation.
The ACH Validation feature works with Lyon’s ACH Validation service to validate the bank account, and store the validation in your Salesforce Org. During your Gateway Setup you will authenticate your Lyon’s credentials and Chargent uses a referral relationship for all first-time transactions.
If you are not using Lyon’s ACH Verification you want to disable this.
If you are using Lyon’s ACH Validation you will enter the following credentials.
- Company ID
Note: If you are testing in a Salesforce Sandbox or Developer account, you want to be sure to check the ‘Test Transactions Only’ box.
- Enabled: this setting will enable or disable the ACH Validation.
- Company Id: The company Id in Lyons validation.
- Username: Username to log in Lyons validation.
- Password: Password to log in Lyons validation.
- Test Transactions Only: If this setting is checked, you will send all validations, through a test gateway.
In case you decide to turn off ACH Validation, you will see this warning message.
On the other hand, when you edit the gateway, in “Advanced Settings” you will see this new checkbox, Allow “No-Hit” Transactions.
A “no hit” ACH Validation Response is neither positive or negative. It indicates that ACH validation couldn’t be completed as this account is not listed in the reference database at this time.
On failure validation you will receive this message
NACHA validation, when enabled and correctly configured, applies to all Orders with Bank Account payment method and ACH as Bank Account type in the related gateway.
The only exception to the above mentioned rule is for orders with already-approved transactions, with the same Account Number last 4; these Bank Accounts are treated valid without using the Lyons service.
In case that there was an error from Lyons service the transaction will continue as usual but this Bank Account will try to get validated again on the next transaction.
If the transaction doesn’t count with the necessary information to get validated because of the tokenization will count as a valid transaction, without the ACH validation
PayTrace Credit Card Numbers
As shown on the PayTrace Testing Information page, these are valid test credit card numbers. Test credit card numbers should be used for sending transactions to your PayTrace test account.
Below are the valid Account Number and Routing Number for PayTrace. This will help you test ACH (Electronic Check – Direct Debit) Transactions.
For PayTrace, submission of $0.50, $1.00 or a higher amount (except $1.12, $1.13) should give an approval response. Amounts such as $0.20, $0.21, $0.29 will cause the return of a DECLINE message. The full list of testing amounts can be found on PayTrace Testing Information page in the Testing Amount section.
Expiration dates in the future are returned as valid; expiration dates in the past are returned as invalid.
Sending Live Transactions from a Salesforce Sandbox
All PayTrace transactions are sent to the same endpoint (https://api.paytrace.com). You want to use caution when testing to make sure you are using your test credential gateway setup, because real transactions will process the same as the test credit card numbers provided by PayTrace.