Simulate a payment

Money arriving into one customer’s account, and the webhook that follows. Test keys only.

Test keys only. An sk_live_ key is refused with 403 not_test_mode. See test mode.

Money arriving into one customer's dedicated account. No checkout involved.

{ "outcome": "paid", "amount": 20000, "payer_name": "Ada Obi" }

{
  "outcome": "paid",
  "credited": true,
  "reference": "SIM20260830161204A3F19C22",
  "amount": 20000,
  "account_number": "9913607261",
  "message": "Simulated paid of 20,000.00. A collection.success webhook has been queued."
}

Bare, like every other response on this surface. Nothing on the merchant public API is wrapped in an envelope.

The collection.success webhook that fires carries that customer's own customer_reference, which is exactly what the merchant's server matches on in production.