The guide below will help with implementation specific to testing your LoanPro implementation while the linked reference material covers best practices and requirements across the broader ACH ecosystem
The system integration test of the ACHQ + LoanPro system should validate from both the requirements perspective and business perspective that:
Payment requests originated in LoanPro are received by ACHQ
Payment status event tracking is relayed from ACHQ to LoanPro
Payment requests originated by Credit9 via ACHQ contain the correct statement identifiers
Successful payments are deposited into the appropriate Credit9 account by ACHQ
Payment reversals, or when an ACH return is transmitted post “settlement” are properly identified and reconciled
Additional testing required within LoanPro that ACHQ events trigger the appropriate notifications and/or actions
The objective of system integration testing is to validate the system operation as a whole and with each system. At the conclusion of testing, the project team and the test team will have a high level of confidence that the system will work according to user requirements and will meet business needs.
Features to be tested
Create borrower profile(s) within the LoanPro system and ensure that the account payment method is properly configured for ACHQ payments in the sandbox environment
Conduct a simulation of a successful (cleared) ACH payment by initiating a test debit transaction to the ACHQ sandbox using a bank account not detailed on the
detailed below resulting in a “Cleared” status the next business day.
Optionally, test ability to Update or Cancel a payment. NOTE: This can only be done with the payment status is equal to “Scheduled” in ACHQ or the corresponding mapping in LoanPro. Once the payment is delivered to the ACH Operator it cannot be changed or stopped.
Conduct a simulation of a successful (cleared) ACH payment that is subsequently “charged-back” by initiating a test debit transaction to the ACHQ sandbox using the bank account number 444444444. The payment will be marked “Cleared” immediately and “Charged Back” the next business day
Conduct a simulation of an ACH administrative return by initiating a test debit transaction using the bank account number 222222222.
Conduct a simulation to generate an ACH “NSF” return by initiating another test debit transaction using the bank account number 111111111
Execute the simulations and verify that the LoanPro system updates accordingly and has the appropriate notifications configured
Perform live testing by initiating debit transactions from the LoanPro system, at least one - but optionally several - with a "good" bank routing and account combination that will successfully clear and one with a live routing number but an invalid bank account number 123456798765, which will fail.
The “good” bank account should be an internal company account so that you may view the statement line item and descriptor of the posted debit
Confirm the ACH descriptor, company name, and discretionary data (phone number) are correct and inline with expectations
Monitor the status of the transactions in the LoanPro system. Track the expected transaction lifecycle via the