Simulate an incoming transfer to a sandbox virtual account
Requires sandbox:simulate and a sandbox API key. Immediately creates and posts a collection ledger entry and credits available balance. This route simulates a verified bank notification; it does not accept or process real transfers.
Requires sandbox:simulate and a sandbox API key. Immediately creates and posts a collection ledger entry and credits available balance. This route simulates a verified bank notification; it does not accept or process real transfers.
api-keyx-api-key<token>Your API key: ck_test_... for test mode, ck_live_... for live. Send it with x-api-secret (or Authorization: Bearer ).
id*stringSandbox virtual-account ID returned by the list/provision endpoints.
x-api-secret?stringRecommended: API secret sent over HTTPS. You may send it as Authorization: Bearer instead. If supplied, x-timestamp and x-signature are not required.
x-timestamp?stringLegacy signed mode: Unix time in milliseconds; maximum clock skew five minutes.
x-signature?stringLegacy signed mode: HMAC-SHA256(secret, timestamp.METHOD.url.idempotencyKey.bodyHash).
x-idempotency-key*string1–128 letters/digits or ._:-. Same key and payload replay for 24 hours; conflicting, in-flight, or expired keys return 409. Never change a key to retry an uncertain payment.
application/json- body
amountMinor*stringPositive integer minor units. For NGN, 500000 represents ₦5,000.00.
reference*stringExternal transfer reference. Unique per business environment across collections and payouts.
1 <= length <= 80senderName?stringDisplayed only in the recorded provider response; do not send sensitive bank data.
length <= 120application/json- response
id*stringtransactionId*stringreference*stringstatus*"SUCCESS""SUCCESS"amountMinor*stringcurrency*stringprovider?stringproviderReference?stringvirtualAccountId*stringrequiresReconciliation?booleancurl -X POST 'https://api.creddot.com/api/v1/sandbox/virtual-accounts/string/transfers' \ -H 'x-idempotency-key: string' \ -H 'Content-Type: application/json' \ -d '{ "amountMinor": "500000", "reference": "BANK-TRANSFER-20260919-001"}'{ "id": "string", "transactionId": "string", "reference": "string", "status": "SUCCESS", "amountMinor": "string", "currency": "string", "provider": "string", "providerReference": "string", "virtualAccountId": "string", "requiresReconciliation": false}