---
title: "Simulate receiving ACH transaction"
method: POST
path: "/ach/transaction_simulations/receiving_transaction"
tags: ["ACH Transaction Simulations"]
---

# Simulate receiving ACH transaction

`POST /ach/transaction_simulations/receiving_transaction`

Use to simulate receiving ACH transaction in test environments. Creates an incoming ACH file with a single transaction, which gets automatically processed.

## Request body

- AchTransactionSimulationRequest — Simulate receiving an ACH transaction
  - `account_number` string, required — Number of the receiving account
  - `amount` integer, required — Amount to transfer in cents (e.g. 100 = $1). Generates a prenote if set to 0.
  - `dc_sign` 'credit' | 'debit', required — The type of transaction (debit or credit) in relation to the receiving account. A credit is a transfer in and a debit is a transfer pulling money out of the receiving account.
  - `effective_date` string, date, required — Effective date of the transaction. Transactions with the current date or date in the past are posted immediately. Future-dated transactions are scheduled to be posted on the chosen date.

## Response `201`

Simulated receiving ACH transaction

- AchSimulationResponse

## 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/revisions/b0d812e6cdd0/schema)