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

# Simulate Interac funding. Only works in staging or sandbox.

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

Simulates a complete Interac e-Transfer funding flow.

**Using `reference`:** Pass an issueID, t_id, or p_id as the `reference` field.
The system auto-detects the type. If it resolves to an existing unpaid CAD transaction,
it simulates the Pateno webhook completing it. If it resolves to a p_id, provide `amount`
to simulate a direct auto-deposit for that user/team.

**Using `amount` only:** Creates a new funding transaction for the authenticated user
and processes it immediately.

At least `reference` or `amount` must be provided.

## Request body

- object
  - `reference` union — An issueID, t_id, or p_id. Auto-detected.
    - string
    - number
  - `amount` number — Amount in CAD (max 1000). Required with p_id references or for standalone funding.
  - `senderName` string — Name of the simulated sender.
  - `senderEmail` string, email — Email of the simulated sender.

## Response `200`

Interac funding simulated successfully.

- object
  - `status` string
  - `message` string
  - `data` object
    - `simulated` boolean
    - `simulatedAmount` number
    - `chiRef` string
    - `status` string

## Other responses

- `400` — Validation error in the request.
- `401` — Access to this resource is not available for unauthenticated users.
- `403` — Forbidden - Can only simulate in staging or sandbox environments.
- `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)