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Response to a Successful Request

These fields appear in a successful response. These fields track and reference your validation requests:

clientReferenceInformation.code

: This field appears when you include it in the request. It holds any reference code you want to associate with the specific validation request. The code returns in the response exactly as you provide it.

requestID

: This unique ID identifies the validation request and can be used for future reference. You can use this request ID to search for the validation request in the Transaction Search module.

submitTimeUtc

: This field records the timestamp of the validation request.

bankAccountValidation

: This section contains three different fields:

rawValidationCode

resultCode

, and

resultMessage

. Refer to the Result Message Explanation table to understand the possible codes.

API Response Codes for a Successful Request

You can receive these response code values from rawValidationCode
, resultCode
, and resultMessage
:

Values Returned for Successful Responses
Raw Validation Code	Result Code	Result Message
12	00	Validated
13	00	Low risk
14	00	Medium risk
15	04	High risk
16	04	Not validated
-1	98	Unable to validate; no information found.
-2	99	Service unavailable.

Result Message Explanation
Result Message	Explanation
Validated	Account is in good standing.
Low risk	Some positive data is available for the account, and no negative information was found.
Medium risk	New account for which there is no negative information.
High risk	One or more information points indicate that there is an extremely low probability of payment from this account.
Not validated	Account closing or closed based on their ACH history.

Result Code Explanation
Result Code	Explanation
00	Validated and can be used for ACH transactions.
04	Should not be used for ACH transaction as there is a higher probability for return.
98	Unable to validate; no information found.
99	Service unavailable.