---
title: "Simulate incoming Swift payment"
method: POST
path: "/v1/simulation/profiles/{profileId}/swift-in"
tags: ["simulation"]
---

# Simulate incoming Swift payment

`POST /v1/simulation/profiles/{profileId}/swift-in`

Simulates an incoming Swift transfer into a profile's account details. This will create a payment into the user's account details and balance for the specified amount and currency. Using sandbox, you can test the initial tech build for webhook subscriptions, balance statements, and sweeping funds.

If the request is successful the transfer is logged in our back office, which triggers a [swift-in#credit](/api-reference/webhook-event/eventswiftincredit) event and results in a balance update.

{% admonition type="info" %}
While most fields are optional, default values will be provided as needed.
{% /admonition %}

## Path parameters

- `profileId` integer, required

## Headers

- `X-External-Correlation-Id` string, uuid

## Request body

- object
  - `currencyCode` string, required — ISO 4217 currency code
  - `amount` number, required — Amount received by Wise.
  - `instructedCurrencyCode` string — ISO 4217 currency code
  - `instructedAmount` number — Amount sent by the sender. If not provided, it is assumed to be the same as `amount` plus **same currency** fees. Any outstanding fees in other currencies are ignored. Required if `instructedCurrencyCode` is provided.
  - `beneficiaryName` string — Name of the ultimate beneficiary.
  - `beneficiaryAccount` string — Account number of the ultimate beneficiary. It can be either a local account number or an IBAN. *If the provided IBAN resolves to a BIC that does not match any connected test BICs, simulation is not allowed and an error is returned.*
  - `beneficiaryAddress` object — Address of the ultimate beneficiary.
    - `addressLine` string — Address line: street, house, apartment.
    - `city` string — City name.
    - `postalCode` string — Postal code.
    - `country` string — Country code (ISO 3166-1 alpha-2).
  - `senderName` string — Name of the sender.
  - `senderBic` string — Business Identifier Code, also known as Swift Code.
  - `senderAccount` string — Account number of the sender. It can be either an IBAN or local account number.
  - `senderAddress` object — Address of the sender.
    - `addressLine` string — Address line: street, house, apartment.
    - `city` string — City name.
    - `postalCode` string — Postal code.
    - `country` string — Country code (ISO 3166-1 alpha-2).
  - `paymentReference` string — Custom payment reference.
  - `charges` object[] — List of fees declared by correspondents (e.g., handling fee).
    - `amount` number, required — Fee amount.
    - `currency` string, required — ISO 4217 currency code
    - `agent` string, required — Business Identifier Code, also known as Swift Code.
  - `previousInstructingAgents` Bic[] — List of previous instructing agents. Maximum 3 items.

## Response `200`

Swift payment simulated successfully.

## Other responses

- `400` — Bad request.
- `422` — Unprocessable Entity.
- `429` — Rate limit exceeded. Retry after the number of seconds specified in the `Retry-After` header.

---

[API](https://skmtc.net/wise/apis/platform-api.md) · [All operations](https://skmtc.net/wise/apis/platform-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/wise/platform-api/revisions/4907a1d269ab/schema)