---
title: "Create Demo Backup Payment Method"
method: POST
path: "/api/v1/simulation/wallets/{walletId}/backup-linked-account"
tags: ["Simulations"]
---

# Create Demo Backup Payment Method

`POST /api/v1/simulation/wallets/{walletId}/backup-linked-account`

## Request

- Base URL: `https://merchant-api.accruesavings.com`
- URL: `https://merchant-api.accruesavings.com/api/v1/simulation/wallets/{walletId}/backup-linked-account`
- Auth: none declared. Required headers: `Client-ID`, `Authorization`
- TypeScript: <https://skmtc.dev/byaccrue/apis/accrue-merchant-api/docs/api/v1/simulation/wallets/:walletId/backup-linked-account/post.ts> (a function with typed inputs; its response is checked against the schema)

Create a demo backup payment method (linked account) for a wallet in testing environments.

  This endpoint simulates linking a bank account to a wallet for backup payment purposes without requiring actual bank account credentials or Plaid integration.

  The created linked account can be used as a backup payment method for transactions when the primary funding source is insufficient.

  **This endpoint is only available in development, sandbox, and local testing environments.**

  The `testCardType` parameter is optional and allows you to specify which type of test card to simulate. If not provided, a default test card type will be used.

## Path parameters

- `walletId` string, uuid, required: Wallet ID

## Headers

- `Client-ID` string, uuid, required: The unique identifier of the client making the request. This header is required to retrieve the client-specific configuration and ensure that the response is tailored to the client's settings and permissions.
- `Authorization` string, uuid, required: Secure secret to access privileged endpoints.

## Request body

- object
  - `testCardType` 'visa-us-credit' | 'visa-gb-credit' | 'visa-gb-debit' | 'mastercard-mu-credit' | 'mastercard-de-debit': Test card type from Checkout.com that returns response code 10000 (successful transaction)

## Response `200`

Successfully created demo backup payment method

- CreateDemoBackupPaymentMethodResponse
  - `data` DemoBackupPaymentMethod, required: Demo Backup Payment Method
    - `id` string, uuid, required: Unique identifier for the object.
    - `type` 'DemoBackupPaymentMethod', required
    - `attributes` object, required
      - `linkedAccountId` string, uuid, required: The ID of the created linked account that serves as the backup payment method
      - `accountMask` string, required: The last 4 digits of the account number
      - `institutionName` string, required: The name of the financial institution
      - `accountType` string, required: The type of account (e.g., checking, savings)
      - `status` string, required: The status of the linked account
      - `updatedAt` string, date-time, required
      - `createdAt` string, date-time, required

## Other responses

- `201`: Successfully created demo backup payment method
- `404`: Wallet not found

---

[API](https://skmtc.dev/byaccrue/apis/accrue-merchant-api.md) - [All operations](https://skmtc.dev/byaccrue/apis/accrue-merchant-api/llms.txt) - [OpenAPI document](https://skmtc.dev/byaccrue/apis/accrue-merchant-api/revisions/3e2d97ef2e6e?raw)