---
title: "Simulate funding via a specified rail. Only works in staging or sandbox."
method: POST
path: "/v0.2.4/payment/simulate-funding"
tags: ["Payments"]
---

# Simulate funding via a specified rail. Only works in staging or sandbox.

`POST /v0.2.4/payment/simulate-funding`

General-purpose funding simulation endpoint. Use the `rail` field to select the funding rail.

**Supported rails:**
- `interac` — Simulates Interac e-Transfer (CAD). Supports `reference` (issueID/t_id/p_id) and/or `amount`.
- `spei` — Simulates SPEI deposit (MXN) via Bitso test endpoint. Pass `reference` (issueID or chiRef) to fund an existing transaction, or pass `clabe` + `amount` directly.

## Request body

- object
  - `rail` 'interac' | 'spei', required — The funding rail to simulate.
  - `reference` union — Transaction reference (issueID, chiRef, t_id, or p_id).
    - string
    - number
  - `amount` number — Funding amount in the rail's currency.
  - `clabe` string — CLABE account number (for SPEI direct simulation without a pre-existing transaction).
  - `senderName` string
  - `senderEmail` string, email
  - `receiverName` string — Receiver name (used for SPEI simulation).

## Response `200`

Funding simulation completed.

- object
  - `status` string
  - `data` object
    - `simulated` boolean
    - `simulatedAmount` number
    - `rail` string

## Other responses

- `400` — Validation error in the request.
- `401` — Access to this resource is not available for unauthenticated users.
- `403` — Forbidden — only available in staging or sandbox.
- `500` — Indicates an internal server error.

---

[API](https://skmtc.net/chimoney/apis/chimoney-api-docs.md) · [All operations](https://skmtc.net/chimoney/apis/chimoney-api-docs/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/chimoney/chimoney-api-docs/revisions/227751df36a0/schema)