Introduction

Welcome to the SimulatePay Documentation. This sandbox infrastructure is designed for developers to build and test high-scale financial applications in a risk-free USA banking environment.

How it works

Everything in SimulatePay is virtual. No real money is ever moved. We provide high-fidelity simulations of ACH, RTP, and Card Networks so you can build robust payout and collection logic.

The Sandbox Mentality

Our API mirrors real-world production systems. You'll use live-style endpoints, handle asynchronous webhooks, and manage ledger balances—all with simulated funds.

Real-Time Webhooks

Simulate delayed settlement or immediate completion with real webhook callbacks.

Ledger Accuracy

Atomic balance updates and double-entry book-keeping simulation.