---
title: "Simulate payment lifecycle event"
method: POST
path: "/v1/simulate/payments/{payment_token}/action"
tags: ["Payment"]
---

# Simulate payment lifecycle event

`POST /v1/simulate/payments/{payment_token}/action`

Simulate payment lifecycle event

## Path parameters

- `payment_token` string, uuid, required

## Request body

- SimulateActionRequest
  - `event_type` 'ACH_ORIGINATION_REVIEWED' | 'ACH_ORIGINATION_RELEASED' | 'ACH_ORIGINATION_PROCESSED' | 'ACH_ORIGINATION_SETTLED' | 'ACH_RECEIPT_SETTLED' | 'ACH_RECEIPT_RELEASED' | 'ACH_RECEIPT_RELEASED_EARLY' | 'ACH_RETURN_INITIATED' | 'ACH_RETURN_PROCESSED' | 'ACH_RETURN_SETTLED', required
  - `return_reason_code` string — Return Reason Code
  - `decline_reason` 'PROGRAM_TRANSACTION_LIMIT_EXCEEDED' | 'PROGRAM_DAILY_LIMIT_EXCEEDED' | 'PROGRAM_MONTHLY_LIMIT_EXCEEDED'
  - `return_addenda` string — Return Addenda
  - `date_of_death` string, date — Date of Death for ACH Return

## Response `200`

Created

- SimulatePaymentResponse
  - `result` 'APPROVED' | 'DECLINED', required
  - `transaction_event_token` string, uuid, required — Transaction Event Token
  - `debugging_request_id` string, uuid, required — Debugging Request Id

## Other responses

- `400` — A parameter in the query given in the request does not match the valid queries for the endpoint.
- `401` — | | | |---|---| | User has not been authenticated | Invalid or missing API key | | API key is not active | The API key used is no longer active | | Could not find API key | The API key provided is not associated with any user | | Please provide API key in Authorization header | The Authorization header is not in the request | | Please provide API key in the form Authorization: [api-key] | The Authorization header is not formatted properly | | Insufficient privileges. Issuing API key required | Write access requires an Issuing API key. Reach out at [lithic.com/contact](https://lithic.com/contact) | | Insufficient privileges to create virtual cards. | Creating virtual cards requires an additional privilege | Reach out at [lithic.com/contact](https://lithic.com/contact) |
- `404` — The specified resource was not found.
- `429` — Client has exceeded the number of allowed requests in a given time period. | | | |---|---| | Rate limited, too many requests per second | User has exceeded their per second rate limit | | Rate limited, reached daily limit | User has exceeded their daily rate limit | | Rate limited, too many keys tried | One IP has queried too many different API keys |

---

[API](https://skmtc.net/lithic-com/apis/lithic-developer-api.md) · [All operations](https://skmtc.net/lithic-com/apis/lithic-developer-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lithic-com/lithic-developer-api/revisions/53ab5d4e2adb/schema)