1. Help Center
  2. Frequently Asked Questions

How can I make test ACH donations on Fundraise Up?

Making test donations using Stripe's Test ACH numbers can give you a better perspective of what the donor experience is like for those who would rather make gifts via number-based bank transfer.

Stripe has a series of test ACH numbers, usable for testing the flow where a donor provides their routing and account number (rather than using Plaid-based login to verify their bank details).

Pre-requisites:

  • ACH must be already enabled as a payment option on your Fundraise Up account
  • If you are reviewing test donations or using Virtual Terminal to enter test donations, the View test data must be enabled option must be toggled in the dropdown menu that shows when you click your organization's name in the top bar.

In donation checkout

To make a test ACH donation, go through the donation flow on your desired checkout in test mode. On the public checkout, in order to display "Use routing and account number" as an option, the donation amount must be US $95.00 or higher 

Once you get to the Payment option screen, choose Bank Transfer, then Use routing and account number.

The next screen will pre-fill Banking information for your convenience. If you want to test a successful transaction, leave the information alone and click Continue.

You can also test different scenarios by entering different account numbers:

  • 000111111116 (failure upon use)
  • 000111111113 (account closed)
  • 000222222227 (NSF/insufficient funds)
  • 000333333335 (debit not authorized)
  • 000444444440 (invalid currency)

Make sure you use 110000000 for the Routing number!

After this, finish the donation form as normal.

In Virtual Terminal

To make a test donation, make sure you toggle on the View test data option in the top bar prior to opening up Virtual Terminal. You will know if that worked when you open Virtual Terminal because you should see the following message on the top of the Virtual Terminal form:

Next, fill out the rest of the form. If you are attempting to review the emails that you would have gotten, please ensure that you enter an email address.

Once you get to Payment Method, choose ACH.

If you want to test a successful transaction, enter 000123456789 for the account number.

You can also test different scenarios by entering different account numbers:

  • 000111111116 (failure upon use)
  • 000111111113 (account closed)
  • 000222222227 (NSF/insufficient funds)
  • 000333333335 (debit not authorized)
  • 000444444440 (invalid currency)

Make sure you use 110000000 for the Routing number!

For account holder name, you can enter any name. 

Finish filling out the rest of the form, and click the Make a donation button to finish.

Reviewing the results

If your test donation succeeded, you will see your test donation under Donations in your dashboard, as long as View test data is toggled on.

While looking at your test donation record, you should see the option to Verify with micro deposits on the top right, under Cancel donation.

 The final step is to enter the two amounts for micro deposits to verify.

  • To mimic a successful ACH transaction, enter 0.32 and 0.45 for the amounts, respectively.
  • To mimic a failed ACH transaction, enter any other number combination.

Depending on the type of donation you made, you can retry a different number of times.

In reality, ACH donations will take 3-5 business days clear the banks, and the donor will be notified in that time frame to verify their micro-deposits. For these test donations, they will be immediately available to verify.

Please see Stripe's ACH guide which goes into this feature with more detail.