---
title: "Simulate Incoming Instant Payment"
method: POST
path: "/v1/simulate/instant_payments/incoming"
tags: ["Simulation"]
---

# Simulate Incoming Instant Payment

`POST /v1/simulate/instant_payments/incoming`

Simulate an incoming instant payment.

## Headers

- `Idempotency-Key` string, required

## Request body

- object
  - `creditor_account_number_id` string, required — The ID of the Lead Bank Account Number object.
  - `amount` integer, required — The amount of the instant payment in cents.
  - `currency_code` 'USD', required — A three-letter currency code as defined in ISO 4217.
  - `description` string — Free-form information on the reason for the payment.
  - `debtor` InstantPaymentParty, required — Details of a party in an instant payment.
    - `name` string, required — The party's name.
    - `account_number` string, required — The party's account number.
  - `debtor_agent` InstantPaymentAgent, required — Details of a financial institution in an instant payment.
    - `routing_number` string, required — The party's routing number.
  - `payment_identifiers` object — Optional payment identifiers.
    - `end_to_end_id` string — The identifier assigned by the party initiating the instant payment to be delivered to the customer unchanged.

## Response `200`

Intentionally empty - incoming instant payment will be created asynchronously.

## Other responses

- `400` — Your request parameters did not validate.
- `422` — We couldn't process your request.

---

[API](https://skmtc.net/lead/apis/lead-bank.md) · [All operations](https://skmtc.net/lead/apis/lead-bank/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lead/lead-bank/versions/25c2a92d55e2/schema)