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Sandbox

Simulate sending funds

Simulate sending funds to the bank account as instructed in the quote. This endpoint is only for the sandbox environment and will fail for production platforms/keys.

post/sandbox/send

Request body

quoteIdstring required

The unique identifier of the quote

currencyCodestring required

Currency code for the funds to be sent

currencyAmountinteger

The amount to send in the smallest unit of the currency (eg. cents). If not provided, the amount will be derived from the quote.

Example request

{
  "quoteId": "Quote:019542f5-b3e7-1d02-0000-000000000006",
  "currencyCode": "USD",
  "currencyAmount": 1000
}

Response

Funds received successfully

idstring required

Unique identifier for the transaction

status'PENDING' | 'PROCESSING' | 'COMPLETED' | 'FAILED' | 'EXPIRED' required

Status of an outgoing payment transaction.

StatusDescription
PENDINGQuote is pending confirmation
EXPIREDQuote wasn't executed before expiry window
PROCESSINGExecuting the quote after receiving funds
COMPLETEDPayout successfully reached the destination
FAILEDSomething went wrong — accompanied by a failureReason
type'OUTGOING' required

Type of transaction (incoming payment or outgoing payment)

direction'CREDIT' | 'DEBIT' required

Whether the transaction credits (funds in) or debits (funds out) the customer's account. Independent of type: an incoming transaction is normally a CREDIT, but an inbound ACH pull, for example, is an INCOMING transaction with a DEBIT direction.

customerIdstring required

System ID of the customer (sender for outgoing, recipient for incoming)

platformCustomerIdstring required

Platform-specific ID of the customer (sender for outgoing, recipient for incoming)

settledAtstring date-time

When the payment was or will be settled

createdAtstring date-time

When the transaction was created

updatedAtstring date-time

When the transaction was last updated

receiptDeliveryConfirmedAtstring date-time

The time at which the platform confirmed delivery of the receipt to their customer.

agentIdstring

If this transaction was initiated by an agent, the system-generated ID of that agent. Absent for platform-initiated transactions.

descriptionstring

Optional memo or description for the payment

counterpartyInformationCounterpartyInformation

Additional information about the counterparty, if available and relevant to the transaction and platform.

exchangeRatenumber

Number of sending currency units per receiving currency unit.

feesinteger

The fees associated with the quote in the smallest unit of the sending currency (eg. cents).

quoteIdstring

The ID of the quote that was used to trigger this payment

paymentInstructionsPaymentInstructions[] — unresolved $ref

Payment instructions for executing the payment.

failureReason'QUOTE_EXPIRED' | 'QUOTE_EXECUTION_FAILED' | 'LIGHTNING_PAYMENT_FAILED' | 'FUNDING_AMOUNT_MISMATCH' | 'COUNTERPARTY_POST_TX_FAILED'

Reason for failure of an outgoing transaction. This is used to provide more context on why a transaction failed. If the transaction is not in a failed state, this field is omitted.

paymentRail'ACH' | 'ACH_COLOMBIA' | 'BANK_TRANSFER' | 'BRE_B' | 'CIPS' | 'FAST' | 'FASTER_PAYMENTS' | 'FEDNOW' | 'INSTAPAY' | 'MOBILE_MONEY' | 'NEFT' | 'PAYNOW' | 'PESONET' | 'PIX' | 'RTGS' | 'RTP' | 'SEPA' | 'SEPA_INSTANT' | 'SPEI' | 'SWIFT' | 'UNIONPAY' | 'UPI' | 'WIRE'

The payment rail used for the transfer. Payment rails represent the underlying payment network or system used to move funds between accounts.

railSelectionMode'AUTO' | 'MANUAL'

How the payment rail was chosen — MANUAL when the platform specified a paymentRail on the destination, AUTO when Lightspark selects it.

expectedSettlementAtstring date-time nullable

Expected settlement time at the beneficiary. Null for instant rails (settlement is immediate) and before a rail with deferred settlement is resolved.

settlementTimelineSecondsinteger nullable

Expected number of seconds from quote creation to settlement. Null when not yet known.

Example response

{
  "id": "Transaction:019542f5-b3e7-1d02-0000-000000000004",
  "destination": {
    "destinationType": "ACCOUNT",
    "currency": "EUR",
    "accountId": "ExternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123"
  },
  "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
  "platformCustomerId": "18d3e5f7b4a9c2",
  "settledAt": "2025-08-15T14:30:00Z",
  "createdAt": "2025-08-15T14:25:18Z",
  "updatedAt": "2025-08-15T14:30:00Z",
  "receiptDeliveryConfirmedAt": "2025-08-15T14:31:00Z",
  "agentId": "Agent:019542f5-b3e7-1d02-0000-000000000042",
  "description": "Payment for invoice #1234",
  "counterpartyInformation": {
    "FULL_NAME": "John Sender",
    "BIRTH_DATE": "1985-06-15",
    "NATIONALITY": "DE"
  },
  "source": {
    "sourceType": "ACCOUNT",
    "currency": "USD",
    "accountId": "InternalAccount:e85dcbd6-dced-4ec4-b756-3c3a9ea3d965"
  },
  "sentAmount": {
    "amount": 12550,
    "currency": {
      "code": "USD",
      "name": "United States Dollar",
      "symbol": "$",
      "decimals": 2
    }
  },
  "receivedAmount": {
    "amount": 12550,
    "currency": {
      "code": "USD",
      "name": "United States Dollar",
      "symbol": "$",
      "decimals": 2
    }
  },
  "exchangeRate": 1.08,
  "fees": 10,
  "reconciliationInstructions": {
    "reference": "UMA-Q12345-REF",
    "transactionHash": "0x9f2c6b6f4b6c8f2a8d9e0b1c2d3e4f5061728394a5b6c7d8e9f00112233445566"
  },
  "quoteId": "Quote:019542f5-b3e7-1d02-0000-000000000006",
  "paymentInstructions": [
    {
      "accountOrWalletInfo": {
        "accountType": "USD_ACCOUNT",
        "paymentRails": [
          "ACH",
          "WIRE"
        ],
        "accountNumber": "1234567890",
        "routingNumber": "021000021",
        "bankName": "Chase Bank",
        "reference": "UMA-Q12345-REF"
      },
      "instructionsNotes": "Include reference UMA-Q12345-REF in memo"
    },
    {
      "accountOrWalletInfo": {
        "accountType": "SPARK_WALLET",
        "assetType": "BTC",
        "address": "spark1pgssyuuuhnrrdjswal5c3s3rafw9w3y5dd4cjy3duxlf7hjzkp0rqx6dj6mrhu",
        "invoice": "lnbc15u1p3xnhl2pp5jptserfk3zk4qy42tlucycrfwxhydvlemu9pqr93tuzlv9cc7g3sdqsvfhkcap3xyhx7un8cqzpgxqzjcsp5f8c52y2stc300gl6s4xswtjpc37hrnnr3c9wvtgjfuvqmpm35evq9qyyssqy4lgd8tj637qcjp05rdpxxykjenthxftej7a2zzmwrmrl70fyj9hvj0rewhzj7jfyuwkwcg9g2jpwtk3wkjtwnkdks84hsnu8xps5vsq4gj5hs"
      }
    }
  ],
  "refund": {
    "reference": "UMA-Q12345-REFUND",
    "initiatedAt": "2025-08-15T14:30:00Z",
    "settledAt": "2025-08-15T14:35:00Z",
    "status": "COMPLETED",
    "reason": "TRANSACTION_FAILED"
  },
  "rateDetails": {
    "counterpartyMultiplier": 1.08,
    "counterpartyFixedFee": 10,
    "gridApiMultiplier": 0.925,
    "gridApiFixedFee": 10,
    "gridApiVariableFeeRate": 0.003,
    "gridApiVariableFeeAmount": 30
  },
  "paymentRail": "ACH",
  "railSelectionMode": "AUTO"
}

Changes