Payto

Process a PayTo Transaction

This article describes the different scenarios that can be simulated in the Sandbox environment. The payment.amount field is used to control the desired behaviour.

NOTE: These scenarios use the POST operation against the /transactions resource. You must have already created a customer token with a payment agreement as the payment instrument.

Simulate an Approved PayTo Transaction

Any amount value not listed in the below scenarios will result in an approved payment. The result.status will change from pending to approved and you will receive a webhook notification with the updated status. The result.codes array will return an A10000 result code.

Simulate a Declined PayTo Transaction

This scenario simulates a payto transaction being submitted, but then declined by the customer’s bank. The result.status will change from pending to declined and you will receive a webhook notification with the updated status. The result.codes array will contain a code and message indicating the reason for the decline.

Code	Message	Amount
D10001	target_account_invalid	11001
D10002	target_account_blocked	11002
D10003	from_account_closed	11003
D10004	amount_invalid	11004
D10014	target_account_unreachable_for_credits	11005
D10015	amount_below_minimum	11006
D10016	amount_above_maximum	11007
D10018	receiving_bank_unavailable	11008
D10019	amount_invalid_for_payment_agreement	11009
D10020	payment_agreement_max_transactions_exeeded	11010
D10021	payment_agreement_max_amount_exeeded	11011
D10022	payid_invalid	11012
D10023	porting_unavailable	11013
D10024	insufficient_funds	11014

Simulate a Declined Refund for a PayTo Transaction

This scenario simulates a refund being submitted and getting declined by the customer’s bank. To simulate a failed refund, use the payment.amount values from the table above. The result.status will change from pending to declined and you will receive a webhook notification with the updated status. The result.codes array will contain a code and message indicating the reason for the decline.