Enrollments – Certegy Developer

– Secret Key Required
– Publishable Key Required

Standard Enrollment Flow
- Create an Enrollment Intent
  - Create an Enrollment Intent
- Initialize SDK
- Processing Enrollment Intent
  - Process Enrollment Intent
Enrolling multiple accounts
- Add additional accounts to a consumer
  - Adding additional accounts
Responding to Webhook or PostMessage
Viewing Enrollments
- List Enrollment
- Read Enrollment
Misc. Info

Create Enrollment Intent

See consumers for consumer fields and restrictions and addresses for address fields and restrictions.

Success

Request

POST /api/enrollment-intents
Authorization: Bearer {SECRET_KEY}

With Address:

{
    "billing_address": {
        "city_locality": "Tampa",
        "country_code": "US",
        "line_1": "2901 W Busch Blvd",
        "line_2": "#1018",
        "state_province": "FL",
        "postal_code": "33618"
    },
    "company_name": "ACME, Inc.",
    "date_of_birth": "1970-01-01",
    "email_address": "john.doe@example.com",
    "email_address_is_verified": true,
    "external_customer_id": "test-example",
    "extras": {
        
    },
    "phone_number": "+18132551234",
    "phone_number_is_verified": true
}

Without Address:

{
    "company_name": "ACME, Inc.",
    "date_of_birth": "1970-01-01",
    "email_address": "john.doe@example.com",
    "email_address_is_verified": true,
    "external_customer_id": "test-example",
    "phone_number": "+18132551234",
    "phone_number_is_verified": true
}

* NOTE: When a consumer has multiple Bank Accounts it is not necessary to create a new Consumer, just send the consumer: prop with the Enrollment Intent to add additional accounts or replace an existing account.

{
    "consumer": "consumer_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H"
}

With No data:

{}

With Amount:

{
    "amount": "5.99"
}

With Identification Numbers and Issuer:

{
    "drivers_license": "A111-111-11-111-1",
    "issuer": "NY",
    "federal_identification_number": "111-11-1111"
}

NOTE: federal_identification_number value refers to the SSN/ITIN (Social Security Number/Individual Taxpayer Identification Number).

With Submerchant Id:

{
    "submerchant_id": "1"  *Issued by Certegy during onboarding.
}

NOTE: submerchant_id is optional.

Response

HTTP/1.1 201 Created

{
    "data": {
        "expires_at": "2020-07-09T17:15:55Z",
        "id": "enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H",
        "status": "created",
        "billing_address": {
            "id": "address_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H",
            "standardized": true
        },
        "bank_account": null,
        "consumer": {
            "id": "consumer_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H"
        },
        "extras": {
            
        }
    },
    "meta": {
        "type": "enrollment_intent"
    }
}

Example Errors

Invalid Consumer ID

Response

HTTP/1.1 422 Unprocessable Entity

{
    "message": "The given data was invalid.",
    "errors": {
        "consumer": [
            "invalid"
        ]
    }
}

Invalid Entry Method

Response

HTTP/1.1 422 Unprocessable Entity

{
    "message": "The given data was invalid.",
    "errors": {
        "allowed_entry_methods": [
            "no_valid_entry_methods"
        ]
    },
    "display_messages": {
        "allowed_entry_methods": [
            {
                "client": "The client's account information is configured for a different type of service. Please contact Certegy Client Relations at 800-237-7506.",
                "consumer": "We encountered an error. Please try again later."
            }
        ]
    }
}

Consumer ID does not exist

Response

HTTP/1.1 404 Not Found

{
    "error": "not_found",
    "message": "No query results for model [Consumer]"
}

Consumer is in an invalid state to create another enrollment intent

Response

HTTP/1.1 409 Conflict

{
    "error": "invalid_consumer",
    "message": "The consumer [consumer_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Enrollment Intent Process

Success

Request

PATCH /api/enrollment-intents/{enrollment_intent_id}
Authorization: Bearer {SECRET_KEY}

{
    "action": "process"
}

Response

HTTP/1.1 200 OK

{
    "data": {
        "created_at": "2020-07-09T22:28:29Z",
        "expires_at": "2020-07-09T22:58:29Z",
        "id": "enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H",
        "processed_at": "2020-07-09T22:29:30Z",
        "reference_number": "5805900000154",
        "status": "accepted",
        "bank_account": {
        	"account_number": "*****0101",
        	"account_type": "personal_checking",
        	"id": "bank_account_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H",
        	"routing_number": "021000018",
        	"bank_name": "Dag site bank",
        	"bank_account_holders": [ // this array can be empty
        		{
        			"first_name": "John",
        			"last_name": "Doe",
        			"ownership": "PRIMARY", // can be any one of the following or blank: "PRIMARY", "SECONDARY", "CUSTODIAN", "OTHERS", "POWER_OF_ATTORNEY", "TRUSTEE", "JOINT_OWNER", "BENEFICIARY", "AAS", "BUSINESS", "DBA", "TRUST" 
        		}
        	],
        },
        "consumer": {
            "company_name": "ACME, Inc.",
            "date_of_birth": "1970-01-01T00:00:00.000000Z",
            "email_address": "john.doe@example.com",
            "email_address_is_verified": true,
            "external_customer_id": "test-example",
            "first_name": "John",
            "id": "consumer_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H",
            "last_name": "Doe",
            "phone_number": "8132551234",
            "phone_number_is_verified": true
        },
        "extras": {
            
        }
    },
    "meta": {
        "type": "enrollment_intent"
    }
}

NOTE: bank_account_holders is only returned in response to a successfully processed Enrollment Intent.

Example Errors

Invalid required fields

Response

HTTP/1.1 422 Unprocessable Entity

Note: When the consumer still has empty required fields or to correct any information, use our Update Consumer endpoint.

{
    "message": "The given data was invalid.",
    "errors": {     
        "first_name": [
            "invalid"
        ],
        "last_name": [
            "invalid"
        ],
        "company_name": [
            "invalid"
        ]
    }
}

Expired

Response

HTTP/1.1 409 Conflict

{
    "error": "enrollment_intent_expired",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Already processed

Response

HTTP/1.1 409 Conflict

{
    "error": "already_processed",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Missing bank account

Response

HTTP/1.1 409 Conflict

{
    "error": "missing_bank_account",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H6] is in an invalid state for this action."
}

Already has a bank account

Request

{
    "action": "process"
}

Response

HTTP/1.1 409 Conflict

{
    "error": "already_has_bank_account",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Consumer is invalid

Response

HTTP/1.1 409 Conflict

{
    "error": "invalid_consumer",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Max bank account have been reached

Response

HTTP/1.1 409 Conflict

{
    "error": "max_bank_accounts_reached",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Create Bank Account

Success

Request

POST /api/enrollment-intents/{enrollment_intent_id}/bank-accounts
Authorization: Bearer {PUBLISHABLE_KEY}

{
    "account_number": "10101",
    "account_number_confirmation": "10101",
    "account_type": "personal_checking",
    "routing_number": "021000018"
}

Response

HTTP/1.1 201 Created

{
    "data": {
        "bank_account": {
            "eligible_for_login_entry": true,
            "eligible_for_manual_entry": true
        },
        "provided_fields": [
            "company_name",
            "email_address",
            "phone_number",
            "date_of_birth",
            "external_customer_id"
        ]
    },
    "meta": {
        "type": "enrollment_intent"
    }
}

Example Errors

Validation Errors

Response

HTTP/1.1 422 Unprocessable Entity

{
    "message": "The given data was invalid.",
    "errors": {
        "account_number": [
            "not_confirmed"
        ],
        "account_type": [
            "invalid_account_type"
        ],
        "routing_number": [
            "invalid"
        ],
        "first_name": [
            "invalid"
        ],
        "last_name": [
            "invalid"
        ],
        "company_name": [
            "invalid"
        ]
    }
}

Note: When the consumer still has empty required fields or to correct any information, use our Update Consumer endpoint.

Response

HTTP/1.1 409 Conflict

{
    "error": "invalid_consumer",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Enrollment Intent Check

Success

Request

GET /api/enrollment-intents/{enrollment_intent_id}/check
Authorization: Bearer {PUBLISHABLE_KEY}

Response

HTTP/1.1 200 OK

{
    "data": {
        "denied_at": null,
        "message": null,
        "id": "enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H",
        "is_mailable": false,
        "reference_number": null,
        "status": "consumer_details_updated"
    },
    "meta": {
        "type": "enrollment_intent"
    }
}

Example Errors

Enrollment Intent Not Found

Response

HTTP/1.1 404 Not Found

{
    "message": "not_found"
}

Update Consumer

Success

The update request will accept any consumer value that was previously not provided in enrollment intent
create.

Request

PATCH /api/enrollment-intents/{enrollment_intent_id}/consumers
Authorization: Bearer {PUBLISHABLE_KEY}

{
    "drivers_license_number": "A111-111-11-111-1",
    "federal_identification_number": "111-11-1111",
    "first_name": "John",
    "last_name": "Doe"
}

NOTE: federal_identification_number value refers to the SSN/ITIN (Social Security Number/Individual Taxpayer Identification Number).

Response

HTTP/1.1 200 OK

{
    "data": {
        "bank_account": {
            "eligible_for_login_entry": true,
            "eligible_for_manual_entry": true
        },
        "provided_fields": [
            "company_name",
            "email_address",
            "phone_number",
            "date_of_birth",
            "external_customer_id"
        ]
    },
    "meta": {
        "type": "enrollment_intent"
    }
}

Example Errors

Do not provide required fields.

Fields that were empty on the enrollment intent creation.

Response

HTTP/1.1 422 Unprocessable Entity

{
    "message": "The given data was invalid.",
    "errors": {
        "address.line_one": [
            "invalid"
        ],
         "address.city_locality": [
            "invalid"
        ],
         "address.postal_code": [
            "invalid"
        ],
        "first_name": [
            "missing"
        ],
        "last_name": [
            "missing"
        ]
    }
}

List Enrollment Intents

Success

Request

GET /api/enrollment-intents
Authorization: Bearer {SECRET_KEY}

Response

HTTP/1.1 200 OK

The data property is an array of Enrollment Intent objects.

{
    "data": [
        {
            "id": "enrollment_intent_AmRi1eZCi1IQGVNr848dTl0LZb03LMmm",
            "status": "accepted",
            "bank_account_id": "bank_account_mHcgMl9r7iFX9mqSABXERyoT8U1kKdaL",
            "billing_address_id": "address_KGjXJUa5TVsz3iVU5aoOaHQXRzqhmrqq",
            "consumer_id": "consumer_WChblQEE1Zudsrw2jNfHpks1UoR7IXG1",
            "client": {
                "id": "client_sSKBZMJsAX4JxDRqykrSoavYHQ4Rrh4H",
                "name": "Animals"
            },
            "reference_number": "5917480000032",
            "extras": {
                
            },
            "service_fee": {
                "fee_amount": "25.00",
                "id": "service_fee_neXFJlVp5loqtQ1OM9SNfh6LQhSyOwVv",
                "is_accepted": false,
                "transaction_amount": "9.00"
            },
            "sent_denial_details_at": null,
            "processed_at": "2021-12-15T19:59:15Z",
            "created_at": "2021-12-14T15:46:09Z",
            "expires_at": "2021-12-14T16:16:09Z",
        },
        // ...
    ],
    "links": {
        "first": "[...]/api/enrollment-intents?page=1",
        "last": "[...]/api/enrollment-intents?page=4",
        "prev": "[...]/api/enrollment-intents?page=1",
        "next": "[...]/api/enrollment-intents?page=3"
    },
    "meta": {
        "current_page": 3,
        "from": 2,
        "last_page": 4,
        "path": "[...]/api/enrollment-intents",
        "per_page": 10,
        "to": 4,
        "total": 40
    }
}

The links property contains links to other result set pages.

Data	Data type	Description
`first`	string \| null	The first page URL.
`last`	string \| null	The last page URL.
`prev`	string \| null	The previous page URL.
`next`	string \| null	The next page URL.

The meta property contains information about the results.

Data	Data type	Description
`current_page`	number	The current page number.
`from`	number	The first result index in this request.
`last_page`	number	The last page number.
`path`	string	The API route path.
`per_page`	number	The number of results returned per page.
`to`	number	The last result index in this request.
`total`	number	The total number of results.

Query Parameters

The list can be adjusted by passing the following parameters via the request URL.

Data	Data type	Description
`consumer_id`	string	Filters the result set by consumer id.
`page`	number	Changes the current page.
`per_page`	number	Changes the number of enrollment-intents returned per page.
`reference_number`	string	Filters the result set by reference number.
`status`	string	Filters the result set by enrollment-intent status.
`store_number`	string	Filters the result set by station number.
`submerchant_id`	number	Filters the result set by submerchant id. *Issued by Certegy during onboarding

Example Errors

Failure: Invalid filter

Response

HTTP/1.1 422 Unprocessable Entity

{
    "message": "The given data was invalid.",
    "errors": {
        "status": [
            "invalid"
        ]
    }
}

Read Enrollment Intent

Success

Request

GET /api/enrollment-intents/{enrollment_intent_id}
Authorization: Bearer {PUBLISHABLE_KEY}

Response

HTTP/1.1 200 OK

{
    "data": {
        "bank_account": {
            "eligible_for_login_entry": true,
            "eligible_for_manual_entry": true
        },
        "provided_fields": [
            "company_name",
            "email_address",
            "phone_number",
            "date_of_birth",
            "external_customer_id"
        ]
    },
    "meta": {
        "type": "enrollment_intent"
    }
}

Example Errors

Enrollment Intent Expired

Response

HTTP/1.1 409 Conflict

{
    "error": "enrollment_intent_expired",
    "message": "The enrollment intent [enrollment_intent_Aa1ABb2BCc3CDd4DEe5EFf6FGg7GHh8H] is in an invalid state for this action."
}

Enrollment Intent Not Found

Response

HTTP/1.1 404 Not Found

{
    "message": "not_found"
}

Enrollment Intent object

{
    "data": {
        "created_at": "2020-09-11T17:25:36Z",
        "expires_at": "2020-09-11T17:55:36Z",
        "id": "enrollment_intent_wvvAASNPvisU1Il8BAR0AfgLDEQtmiNy",
        "processed_at": "2020-09-11T17:25:36Z",
        "reference_number": "8889383020057",
        "status": "accepted",
        "bank_account": {
            "account_number": "*****8236",
            "account_type": "personal_checking",
            "id": "bank_account_TSWUqeGMmyccEOkq1pcDV9Ta0wXh741R",
            "routing_number": "119813276",
            "bank_name": "Dag site bank"
        },
        "consumer": {
            "company_name": null,
            "date_of_birth": "1970-08-04",
            "email_address": "gisselle.robel@example.org",
            "email_address_is_verified": false,
            "external_customer_id": null,
            "first_name": "Urban",
            "id": "consumer_mHXpILVOMUv2s61RqgIgdZNcdysnlFF5",
            "last_name": "Pfannerstill",
            "phone_number": "1-421-876-6490 x70098",
            "phone_number_is_verified": false
        },
        "extras": {
            
        },
        "service_fee": {
            "fee_amount": "20.00",
            "id": "service_fee_iaazMkJlPq58Jk8TWTV0vYwZY1U6I0wk",
            "is_accepted": false,
            "transaction_amount": "9.00"
        }
    }
}

Data	Data type	Description
`id`	string	Permanent unique identifier of the enrollment intent.
`bank_account`	object	The bank account of the enrollment intent.
`consumer`	object	The consumer of the enrollment intent. See consumers.
`expires_at`	datetime string	The date and time when the intent will expire at.
`extras`	one-dimensional object \| null	An object of custom values the client can attach to an enrollment object when it’s created. Keys must be string.
`processed_at`	datetime string	The date and time when the intent was processed at.
`reference_number`	string	Identifier with which the consumer can reference the enrollment.
`service_fee`	object	The service fee of the enrollment intent.
`status`	object	The current status of the enrollment intent. One of `accepted`, `bank_account_added`, `consumer_details_updated`, `createddenied`, `loaded` or `max_bank_accounts_reached`.

Testing

Test routing and account numbers.

Label	Routing number	Account number	Response code
CHECK VERIFIED – CONVERSION	`021000018`	`10101`	`21`
ID RESTRICTIONS	`021000021`	`50000`	`06`
INVALID CHECK IDENTIFICATION	`021000021`	`40403`	`09`
DECLINE (NEGATIVE)	`021000018`	`20200`	`07`
DECLINE (HIGH RISK)	`021000021`	`30301`	`12`
CHECK VERIFIED – NO CONVERSION	`021000021`	`70700`	`22`
I/O ERROR, RE-SUBMIT	`021000021`	`989800`	`15`

Online Banking Testing

To test enrollment using online banking, search the institution list for “DAG Site” or “DAG OAuth” and use the following credentials:

Description	Username	Password
Full account and routing number	`Certegy.site16441.3`	`site16441.3`
Missing account or routing number	`Certegy.site16441.4`	`site16441.4`

For 2FA testing, search for “DAG Site Multilevel” and use the following credentials:

Description	Username	Password	2FA Code	Security Answer
Full account and routing number	`Certegy.site16442.1`	`site16442.1`	`123456`	`certegy`

Enrollment Response Codes

Code	Label	Description
`00`	INVALID DL/STATE ID	The ID presented does not conform to known ID formats.
`01`	ID/DOB MISMATCH	The identification does not match the date of birth provided or on file.
`03`	INVALID SSN	The SSN or ITIN presented does not conform to known formats.
`04`	INVALID SERVICE TYPE	The client’s account information is configured for a different type of service. Please contact Certegy Client Relations at 800-237-7506.
`05`	INVALID DEVICE ID	The device ID is invalid.
`06`	ID RESTRICTIONS	The type of identification presented is not acceptable. Please contact Certegy Client Relations at 800-237-7506 if you feel this is an error.
`07`	DECLINE (NEGATIVE)	Certegy could not approve the transaction (Negative). ``This response requires Adverse Action* and the Reference ID to be displayed to the consumer and the ability for the consumer to print and/or email it. In order to obtain the Adverse Action language, you will need to call the Read Transaction Intent using your Publishable Key and display the “`reason`” property.
`08`	APPROVAL	The transaction has been approved.
`09`	INVALID ROUTING/ACCOUNT NUMBER	The Routing and/or Account Number does not conform to known formats.
`11`	INVALID ACCOUNT TYPE	The bank account type is invalid.
`12`	DECLINE (HIGH RISK)	Certegy could not approve the transaction (High Risk). ``This response requires Adverse Action* and the Reference ID to be displayed to the consumer and the ability for the consumer to print and/or email it. In order to obtain the Adverse Action language, you will need to call the Read Transaction Intent using your Publishable Key and display the “`reason`” property.
`13`	EDIT ERRORS (REQ’D FIELD MISSING)	Certain required information or data elements were missing from the request.
`14`	INVALID STATION NUMBER	The client’s account information does not exist or has been deactivated in Certegy’s system. Please contact Certegy Client Relations at 800-237-7506.
`15`	SYSTEM ERROR	Please contact the Certegy Help Desk at 800-237-7506.
`16`	PHONE NUMBER MISSING	The consumer phone number is missing.
`17`	PHONE NUMBER INVALID	The consumer phone number is invalid.
`18`	INVALID EMAIL ADDRESS	The email address is invalid.
`19`	ENTER THE DL AND DOB	Enter the driver license number and DOB and re-send.
`21`	APPROVAL	The transaction has been approved.
`22`	DECLINE (ROUTING/ACCOUNT NUMBER IS NOT ACHABLE)	Certegy has determined that the bank account does not permit ACH transactions.
`24`	CHECK IS NOT ELIGIBLE CONVERSION	The check is not eligible for conversion.
`25`	DECLINE (UNABLE TO DETERMINE IF ROUTING/ACCOUNT NUMBER IS ACHABLE)	Certegy is unable to determine if the bank account can be converted to an electronic transaction.
`29`	VOID/CANCEL SUCCESSFUL	The previously authorized transaction has been recalled and successfully voided from Certegy’s system.
`30`	CANNOT VOID/CANCEL	Certegy was not able to recall the previously authorized transaction from our settlement system. For a Refund or Credit, these transactions cannot be cancelled.
`31`	ALREADY VOIDED/CANCELLED	The transaction presented has been previously voided in Certegy’s system.
`32`	DUPLICATE EFT/TRANSACTION	This transaction has already been approved and processed through Certegy’s system and cannot be processed again.
`33`	CERTEGY REF AND SEARCH REQUEST UID COMBINATION COULD NOT BE FOUND IN CERTEGY’S SYSTEM	The transaction was attempted to be voided, but the Certegy REF and Search Request UID do not match the original authorization.
`34`	TOO LATE TO VOID/CANCEL	The transaction has already been processed through the ACH network. It can no longer be voided.
`38`	INVALID CHECK TYPE	The check type is invalid.
`66`	INVALID CONSUMER BILLING ADDRESS	Certegy could not approve this transaction. The consumers address is invalid. Please re-check the consumers address and try again.
`67`	INVALID CONSUMER BILLING ADDRESS PLUS ROUTING/ACCOUNT NUMBER IS NOT ACHABLE	Certegy could not approve this transaction. The consumers address is invalid and this account cannot be processed as an ACH.
`68`	INVALID SHIPPING ADDRESS	Certegy could not approve this transaction. The shipping address is invalid. Please re-check the shipping address and try again.
`69`	INVALID SHIPPING ADDRESS PLUS ROUTING/ACCOUNT NUMBER IS NOT ACHABLE	Certegy could not approve this transaction. The shipping address is invalid and this account cannot be processed as an ACH.
`70`	INVALID CONSUMER AND/OR SHIP TO FIRST NAME AND LAST NAME	Certegy could not approve this transaction. The consumer and/or shipping first and last name is invalid. Please re-check the first and last name and try again.
`71`	INVALID CONSUMER AND/OR SHIP TO COMPANY NAME	Certegy could not approve this transaction. The consumer and/or shipping company name is invalid. Please re-check the company name and try again.
`72`	INVALID CONSUMER AND/OR SHIP TO ADDRESS DATA. ADDRESS LINE 1 ADDRESS LINE 2 CITY STATE ZIP	Certegy could not approve this transaction. The consumer and/or shipping address is invalid. Please re-check the address and try again.
`73`	DEBIT CAPTURE REQUEST: TRANSACTION HAS ALREADY BEEN CAPTURED/ACKNOWLEDGE	This debit transaction has already been captured in Certegy’s system.
`74`	GOODWILL LINKED AND UNLINKED CREDIT REQUESTS: CREDIT AMOUNT IS OVER THE LIMIT	The credit amount is over the limit. Please retry with a lower amount.
`75`	REFUND REQUEST: REFUND AMOUNT EXCEEDS THE DEBIT AMOUNT	The Refund amount exceeds the total approved amount of the associated debit transaction. Please retry with a new amount that is equal or lower than the original approved debit.
`76`	REFUND REQUEST: ORIGINAL APPROVED DEBIT HAS NOT BEEN CAPTURED	The original approved debit transaction has not been captured. Please ensure the capture has been successfully processed, then resubmit the Refund request.
`77`	REFUND OR GOODWILL LINKED CREDIT REQUEST: ORIGINAL DEBIT TRANSACTIONS WAS CANCELLED	The original debit was cancelled; therefore, we are unable to process a Refund or Goodwill Linked Credit. If a credit is required, please rerun the request as a Goodwill Unlinked Credit.
`78`	DEBIT CAPTURE REQUEST: CAPTURE ADJUSTED AMOUNT OVER THE LIMIT	The adjusted amount is over the limit. Please retry the capture request with a lower amount or use the original approved amount.
`79`	DEBIT CAPTURE REQUEST: CAPTURE ADJUSTED AMOUNT OVER THE LIMIT AND EXCEEDED RETRIES	The adjusted amount is over the limit and has exceeded the number of retries. Please submit a new debit request.
`80`	REFUND REQUEST: ORIGINAL DEBIT TRANSACTION HAS NOT BEEN SENT FOR SETTLEMENT	The refund cannot be processed since the original approved debit has not been sent to settlement. Please cancel the debit or submit a Goodwill Credit.
`81`	REFUND REQUEST: ORIGINAL DEBIT TRANSACTION HAS NOT BEEN SENT FOR SETTLEMENT	The refund amount is less than the purchase amount. Partial refunds are not enabled at the time.
`82`	REFUND REQUEST: ORIGINAL DEBIT TRANSACTION HAS NOT BEEN SENT FOR SETTLEMENT	The Debit transaction related to the Refund request has been returned from the bank.

Enrollment Issuer Codes

Code	Description
`AL`	Alabama
`AK`	Alaska
`AZ`	Arizona
`AR`	Arkansas
`CA`	California
`CO`	Colorado
`CT`	Connecticut
`DE`	Delaware
`FL`	Florida
`GA`	Georgia
`HI`	Hawaii
`ID`	Idaho
`IL`	Illinois
`IN`	Indiana
`IA`	Iowa
`KS`	Kansas
`KY`	Kentucky
`LA`	Louisiana
`ME`	Maine
`MD`	Maryland
`MA`	Massachusetts
`MI`	Michigan
`MN`	Minnesota
`MS`	Mississippi
`MO`	Missouri
`MT`	Montana
`NE`	Nebraska
`NV`	Nevada
`NH`	New Hampshire
`NJ`	New Jersey
`NM`	New Mexico
`NY`	New York
`NC`	North Carolina
`ND`	North Dakota
`OH`	Ohio
`OK`	Oklahoma
`OR`	Oregon
`PA`	Pennsylvania
`RI`	Rhode Island
`SC`	South Carolina
`SD`	South Dakota
`TN`	Tennessee
`TX`	Texas
`UT`	Utah
`VT`	Vermont
`VA`	Virginia
`WA`	Washington
`WV`	West Virginia
`WI`	Wisconsin
`WY`	Wyoming

CANADA

Code	Description
`AB`	Alberta
`BC`	British Columbia
`MB`	Manitoba
`NB`	New Brunswick
`NL`	Newfoundland
`NS`	Nova Scotia
`NT`	Northwest Territories
`NU`	Nunavut
`ON`	Ontario
`PE`	Prince Edward Island
`PQ`	Quebec
`SK`	Saskatchewan
`YT`	Yukon Territory

US TERRITORIES

Code	Description
`AS`	American Samoa
`DC`	District of Columbia
`GU`	Guam
`MP`	Northern Mariana Island
`PR`	Puerto Rico
`VI`	Virgin Islands

ALTERNATE IDs

Code	Description
`PP`	US Passport
`CZ`	Military ID
`TI`	Tribal ID

BankPay

BankPay

Table of Contents

Create Enrollment Intent

Success

With Address:

Without Address:

With No data:

With Amount:

With Identification Numbers and Issuer:

With Submerchant Id:

Example Errors

Invalid Consumer ID

Invalid Entry Method

Consumer ID does not exist

Consumer is in an invalid state to create another enrollment intent

Enrollment Intent Process

Success

Example Errors

Invalid required fields

Expired

Already processed

Missing bank account

Already has a bank account

Consumer is invalid

Max bank account have been reached

Create Bank Account

Success

Example Errors

Validation Errors

Enrollment Intent Check

Success

Example Errors

Enrollment Intent Not Found

Update Consumer

Success

Example Errors

Do not provide required fields.

List Enrollment Intents

Success

Query Parameters

Example Errors

Failure: Invalid filter

Read Enrollment Intent

Success

Example Errors

Enrollment Intent Expired

Enrollment Intent Not Found

Enrollment Intent object

Testing

Test routing and account numbers.

Online Banking Testing

Enrollment Response Codes

Enrollment Issuer Codes