Simulate a payment event in Sandbox
Use the /sandbox/payment/simulate endpoint to simulate various payment events in the Sandbox environment. This endpoint will trigger the corresponding payment status webhook.
Request body
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
The ID of the payment to simulate
The status to set the payment to.
Valid statuses include:
- PAYMENT_STATUS_INITIATED
- PAYMENT_STATUS_INSUFFICIENT_FUNDS
- PAYMENT_STATUS_FAILED
- PAYMENT_STATUS_EXECUTED
- PAYMENT_STATUS_SETTLED
- PAYMENT_STATUS_CANCELLED
- PAYMENT_STATUS_REJECTED
Response
OK
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
The status of the payment.
PAYMENT_STATUS_INPUT_NEEDED: This is the initial state of all payments. It indicates that the payment is waiting on user input to continue processing. A payment may re-enter this state later on if further input is needed.
PAYMENT_STATUS_INITIATED: The payment has been successfully authorised and accepted by the financial institution. For successful payments, this is a potential terminal status. Further status transitions can be to REJECTED and, when supported by the institution, to EXECUTED.
PAYMENT_STATUS_INSUFFICIENT_FUNDS: The payment has failed due to insufficient funds.
PAYMENT_STATUS_FAILED: The payment has failed to be initiated. This error may be caused by transient system outages and is retryable once the root cause is resolved.
PAYMENT_STATUS_BLOCKED: The payment has been blocked by Plaid. This can occur, for example, due to Plaid flagging the payment as potentially risky. This is a retryable error.
PAYMENT_STATUS_AUTHORISING: The payment is currently being processed. The payment will automatically exit this state when the financial institution has authorised the transaction.
PAYMENT_STATUS_CANCELLED: The payment was cancelled (typically by the end user) during authorisation.
PAYMENT_STATUS_EXECUTED: The funds have successfully left the payer account and payment is considered complete. Not all institutions support this status: support is more common in the UK, and less common in the EU. For institutions where this status is not supported, the terminal status for a successful payment will be PAYMENT_STATUS_INITIATED.
PAYMENT_STATUS_SETTLED: The payment has settled and funds are available for use. A payment will typically settle within seconds to several days, depending on which payment rail is used. This status is only available to customers using Plaid Virtual Accounts.
PAYMENT_STATUS_ESTABLISHED: Indicates that the standing order has been successfully established. This state is only used for standing orders.
PAYMENT_STATUS_REJECTED: The payment was rejected by the financial institution.
Deprecated: These statuses will be removed in a future release.
PAYMENT_STATUS_UNKNOWN: The payment status is unknown.
PAYMENT_STATUS_PROCESSING: The payment is currently being processed. The payment will automatically exit this state when processing is complete.
PAYMENT_STATUS_COMPLETED: Indicates that the standing order has been successfully established. This state is only used for standing orders.
The status of the payment.
PAYMENT_STATUS_INPUT_NEEDED: This is the initial state of all payments. It indicates that the payment is waiting on user input to continue processing. A payment may re-enter this state later on if further input is needed.
PAYMENT_STATUS_INITIATED: The payment has been successfully authorised and accepted by the financial institution. For successful payments, this is a potential terminal status. Further status transitions can be to REJECTED and, when supported by the institution, to EXECUTED.
PAYMENT_STATUS_INSUFFICIENT_FUNDS: The payment has failed due to insufficient funds.
PAYMENT_STATUS_FAILED: The payment has failed to be initiated. This error may be caused by transient system outages and is retryable once the root cause is resolved.
PAYMENT_STATUS_BLOCKED: The payment has been blocked by Plaid. This can occur, for example, due to Plaid flagging the payment as potentially risky. This is a retryable error.
PAYMENT_STATUS_AUTHORISING: The payment is currently being processed. The payment will automatically exit this state when the financial institution has authorised the transaction.
PAYMENT_STATUS_CANCELLED: The payment was cancelled (typically by the end user) during authorisation.
PAYMENT_STATUS_EXECUTED: The funds have successfully left the payer account and payment is considered complete. Not all institutions support this status: support is more common in the UK, and less common in the EU. For institutions where this status is not supported, the terminal status for a successful payment will be PAYMENT_STATUS_INITIATED.
PAYMENT_STATUS_SETTLED: The payment has settled and funds are available for use. A payment will typically settle within seconds to several days, depending on which payment rail is used. This status is only available to customers using Plaid Virtual Accounts.
PAYMENT_STATUS_ESTABLISHED: Indicates that the standing order has been successfully established. This state is only used for standing orders.
PAYMENT_STATUS_REJECTED: The payment was rejected by the financial institution.
Deprecated: These statuses will be removed in a future release.
PAYMENT_STATUS_UNKNOWN: The payment status is unknown.
PAYMENT_STATUS_PROCESSING: The payment is currently being processed. The payment will automatically exit this state when processing is complete.
PAYMENT_STATUS_COMPLETED: Indicates that the standing order has been successfully established. This state is only used for standing orders.