---
title: "Create test payment"
method: POST
path: "/v1/referencepayments/test/simulatepayments"
tags: ["Bank Account Verification"]
---

# Create test payment

`POST /v1/referencepayments/test/simulatepayments`

Use this endpoint to simulate a payment within the Bank Account Verification (BAV) workflow. It lets you test end-to-end workflows in sandbox environments without sending real transfers. <br /><br /><img src="https://files.readme.io/8eb9022-Inline_Tip.svg" align="left" alt="Tip" /> **Tip:** To view example request bodies, in the sandbox header, click: <img src="https://files.readme.io/8c205b5-APIExamplesDropdown.PNG"/>

## Headers

- `Authorization` string, required — The `access_token` returned in your most recent [Create access token](https://docs.fourthline.com/reference/create-access-token) response.

## Request body

- object[]
  - `reference` string, required — A unique identifier for the payment. <br /><br />Example: `20251225-ABCD`
  - `accountHolderName` string, required — The full legal name of the account holder. Must match the name on the identity document. For testing, you may use a simulated name. <br /><br />Example: `John James Smith`
  - `iban` string, required — The account’s International Bank Account Number (IBAN). For testing, this field accepts a fake IBAN. <br /><br />Example: `DE89370400440532013000`

## Response `200`

The request was successful

- object
  - `updatedPayments` object[] — List of payments that were updated successfully.
    - `paymentReference` string — A unique identifier for the payment. <br /><br />Example: `20251225-ABCD`
    - `paymentId` string, uuid — Unique identifier for the payment (matches the `workflowId`). <br /><br />Example: `e3157ad4-1a16-43dc-9ac2-b58d42d97baf`
    - `accountHolderName` string — The full legal name of the account holder. Must match the name on the identity document. <br /><br />Example: `John James Smith`
    - `iban` string — The account’s International Bank Account Number (IBAN). <br /><br />Example: `DE89370400440532013000`
  - `errors` unknown[] — A list of error messages for payments that failed. <br /><br />Example: `Failed finding an open transfer for payment 20260301-ABCD`
    - unknown

## Other responses

- `400` — Invalid request or validation errors
- `401` — Request is unauthorized
- `500` — Unexpected server error

---

[API](https://skmtc.net/fourthline/apis/fourthline-apis.md) · [All operations](https://skmtc.net/fourthline/apis/fourthline-apis/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/fourthline/fourthline-apis/revisions/7991ae7c8383/schema)