RDFI Transfer Testing

Information on testing ACH and Wire transfers as the RDFI
RDFI Transfer Testing
 last updated: 
September 14, 2022

This document contains information on testing ACH and Wire transfers as the Receiving Depository Financial Institution (RDFI). See also testing as the Originating Depository Financial Institution (ODFI) in these documents:
- Send ACH Testing
- Send Wire Testing

- Receive ACH Testing

You can use the APIs below to test receiving ACH and Wire transfers in Solid's TEST environment without moving real money. You will need a valid bank routing number for the routingNumber field. Here are some examples:
- 121042882 (Wells Fargo)
- 026009593 (Bank of America)
- 322271627 (Chase)

Test Incoming ACH (Credit)

ENDPOINT

  1. POST /v1/account/:id/test/ach

REQUEST

  1. {
  2.   "amount": "10.00",
  3.   "txnType": "credit",
  4.   "description": "optional",
  5.   "senderName": "optional",
  6.   "senderRoutingNumber": "121042882"
  7. }

Test Outgoing ACH (Debit)

ENDPOINT

  1. POST /v1/account/:id/test/ach

REQUEST

  1. {
  2.   "amount": "10.00",
  3.   "txnType": "debit",
  4.   "description": "optional",
  5.   "senderName": "optional",
  6.   "senderRoutingNumber": "121042882"
  7. }

Test Incoming Wire

ENDPOINT

  1. POST /v1/account/:id/test/wire

REQUEST

  1. {
  2.   "amount": "10.00",
  3.   "wireType": "domestic",
  4.   "description": "optional",
  5.   "senderName": "optional",
  6.   "senderRoutingNumber": "121042882"
  7. }

Notes:
- wireType = domestic or international
- if international, senderRoutingNumber = bank's SWIFT code, for example:
 - HBUKGB4BXXX (HSBC UK BANK PLC)
  - BNPAFRPHXXX (BNP PARIBAS)
  - ICICINBBXXX (ICICI BANK LIMITED)