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Simulate Payment to Instrument

POST 
/v2/payment-simulations/payment-instrument

Sandbox Only - Simulates a complete payment lifecycle for a payment instrument.

This endpoint triggers the actual internal webhook handlers used in production, ensuring that your integration is tested against the real payment processing logic. It supports simulating successful payments, failures, and idempotent replays.

Supported Scenarios:

  • Success Flow: Simulates a successful payment from a customer.
  • Failure Flow: Simulates a failed payment attempt (e.g., declined transaction).
  • Idempotency: Repeated calls with the same instrument and status will correctly trigger idempotency checks, returning an already_processed result.

Supported Providers:

  • Coins.ph: QRPH P2M
  • Netbank: QRPH P2M

Constraints:

  • Only available in test environments.
  • Requires a valid payment_instrument_id.
  • For static instruments, amount is required. For dynamic instruments, the amount is fixed.

Request​

Responses​

Payment simulation completed successfully