Testing ACH is a little different that testing cards, this page will discuss the test process.

Coinflow

Coinflow's sandbox will accept any test credentials.

Customer test credentials:

First Name	Last Name	Email Address	Address
Any string	Any string	Any string that passes basic email validation (so [email protected] works)	Any string, as long as line one, city, country, zip code, and region (aka state) are all filled

ACH test details:

Account Type	Account Number	Routing Number
CHECKING, SAVINGS, or BUSINESS_CHECKING	Any integer	Any integer

🚧
Transaction Status Updates
ACH transactions for Coinflow, if submitted successfully, will only ever have the status PENDING, in both sandbox and production. Coinflow does not return a SETTLED transaction status.

Moov

Moov's sandbox allows you to complete ACH transactions, and submitted transactions will move from PENDING to SETTLED in about half an hour. You will have to use the customerId Meld provides you for testing.

To test payouts for moov, use the endpoints listed in the Making ACH Payments section.

customerId	Account Type	Account Number	Routing Number
Sent by Meld	CHECKING	0004321567002	091101455

However, to make payins in Moov's sandbox, you will have to make the following call to /payments/transactions.

{
    "customerId": "WXDeHGgNJ1t1nFnoVY43Bh",
    "sourceAmount": "10.00",
    "sourceCurrencyCode": "USD",
    "paymentMethod" : {
        "type" : "SERVICE_PROVIDER_TOKEN",
        "details": {
            "serviceProviderToken": "725890e3-3b34-4eef-be65-509830584123"
        }
    },
    "serviceProvider": "MOOV"
}

customerId	serviceProviderToken
Sent by Meld	Sent by Meld

This is to get past Moov's account verification requirement in their sandbox.