Chargent does not check credit card numbers or bank account numbers ahead of time to make sure they are valid.
Payment Request and Payment Console do contain basic validation to check that credit card numbers have the correct number of digits, format, and that they match the card type selected.
We generally rely on the payment gateways to check a transaction and return an approved or declined status.
There are a few situations in which Chargent will create an error transaction, without sending an API call to the payment gateway:
--$0 Charge Amount for ACH or Credit Cards
--No Account Number for ACH or Credit Cards
--Expired card for Credit CArds
For those we create an error transaction record without making a call to the Payment Gateway, and the Gateway ID field is set to "Chargent Error" rather than a transaction ID from the gateway.