New: Webhook Simulation Engine

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Simulate Everything.

The ultra-fast payment simulation infrastructure for developers. Test collections, payouts, and webhooks without leaving your local environment.

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POST /v1/collect 
curl --request POST \
  --url 'https://api.simulatepay.com/v1/collect' \
  --header 'Authorization: Bearer sk_test_sandbox_...' \
  --data '{
    "amount": 1000.00,
    "currency": "USD",
    "email": "customer@us-bank.com",
    "reference": "sandbox_tx_102"
  }'

The Sandbox for USA Fintech

Build next-gen financial products with a fully simulated USA banking stack.

USA Card Payments

Simulate Visa, Mastercard, and Amex transactions with real-time auth/capture flows.

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ACH & RTP

Test standard and Same-Day ACH transfers along with Real-Time Payments (RTP) simulations.

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Webhook Sim

Automated POST notifications for every transaction state change, right to your endpoint.

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Virtual Cards

Issue and manage virtual Visa/Mastercard cards and simulate spending limits.

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Global Liquidity

Simulate USD to EUR, GBP, and JPY settlements with institutional-grade FX rates.

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