---
title: "Simulate OCT"
method: POST
path: "/cards/transaction_simulations/financial/original_credit"
tags: ["Card Transaction Simulations"]
---

# Simulate OCT

`POST /cards/transaction_simulations/financial/original_credit`

This Original Credit Transaction (OCT) enables the cardholder to receive funds on the specified card from an external source via the card network. Use this endpoint to simulate a transaction that is similar to a wire transfer and not linked to any purchase.

Simulate an OCT by including the `card_token`, `amount`, `mid`, and `type` in your request.

## Request body

- OriginalCreditRequestModel
  - `amount` integer, required — The amount of the transaction in the smallest whole denomination of the applicable currency (eg. For USD use cents)
  - `card_acceptor` CardAcceptorModel
    - `address` string
    - `city` string
    - `country` string
    - `ecommerce_security_level_indicator` string
    - `mcc` string
    - `name` string
    - `partial_approval_capable` boolean
    - `state` string — Two-Letter USPS State Abbreviation
    - `zip` string
  - `card_id` string, uuid, required
  - `mid` string, required
  - `screening_score` string
  - `sender_data` OriginalCreditSenderData
    - `funding_source` 'cash' | 'credit' | 'debit' | 'deposit_account' | 'mobile_money_payment' | 'non_visa_credit' | 'prepaid', required
    - `sender_account_number` string
    - `sender_account_type` 'bank_account_number_and_identification_code' | 'card_account' | 'email' | 'iban' | 'other' | 'phone_number' | 'rtn_bank_account' | 'social_network_id' | 'wallet_id'
    - `sender_address` string
    - `sender_city` string
    - `sender_country` string
    - `sender_name` string
    - `sender_reference_number` string
    - `sender_state` string
    - `transaction_purpose` 'crypto_currency' | 'education' | 'emergency_need' | 'family_support' | 'gifts' | 'labor_transfers' | 'lending' | 'medical_treatment' | 'other' | 'salary' | 'savings' | 'travel'
    - `unique_transaction_reference_number` string
  - `transactionPurpose` string
  - `type` 'account_to_account' | 'bill_payment' | 'business_to_business' | 'card_bill_payment' | 'cash_claim' | 'cash_in' | 'cash_out' | 'disbursement' | 'face_to_face_merchant_payment' | 'gambling_payout' | 'government_disbursement' | 'government_payment' | 'loyalty' | 'merchant_disbursement' | 'mobile_air_time_payment' | 'money_transfer_by_bank' | 'money_transfer_by_merchant' | 'online_gambling_payout' | 'payments_goods_services' | 'pension_disbursement' | 'person_to_person' | 'prepaid' | 'prepaid_loads' | 'wallet_transfer', required

## Response `201`

Success

- SimulationResponseModel

## Other responses

- `400` — BadRequest
- `401` — Unauthorized
- `403` — Forbidden error
- `500` — Internal server error

---

[API](https://skmtc.net/synctera/apis/synctera-api.md) · [All operations](https://skmtc.net/synctera/apis/synctera-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/synctera/synctera-api/versions/b0d812e6cdd0/schema)