Simulations (Sandbox only)

Unit's Sandbox environment provides additional operations on top of the regular APIs. Those operations allow you to easily test and simulate activities that would normally take a long time or require interaction with the external world.

A common example for testing would be Simulating a Received ACH Payment to create funds in an account, followed by Simulating a Card Purchase to spend those funds.

Note

Simulation operations are subject to the same authentication scheme as the Live APIs, and therefore require a valid Authentication token.

Receive ACH payment

This API allows you to simulate an incoming ACH payment with the specified amount (in cents) for testing purposes. The Transaction Created webhook event will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/payments`
Data Type	`achPayment`
Timeout (Seconds)	`5`

Attributes

amount

integer

The amount (in cents).

direction

string

The direction in which the funds flow (currently, only Credit is supported).

description

string

Payment description (maximum of 50 characters).

Relationships

account

JSON:API Relationship

The Deposit Account receiving the payment.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/payments'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "achPayment",
    "attributes": {
      "amount": 10000,
      "direction": "Credit",
      "description": "Payment from Sandbox"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "1000"
        }
      }
    }
  }
}'

Note: the status for the sandbox payment requests is always Sent. Please refer to ACH Status for more information about the status codes.

Example Response:
{
  "data": {
    "type": "achPayment",
    "id": "3",
    "attributes": {
      "createdAt": "2020-06-29T13:17:59.816Z",
      "amount": 10000,
      "direction": "Credit",
      "description": "Payment from Sandbox",
      "status": "Sent",
      "reason": null
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "1000"
        }
      },
      "customer": {
        "data": {
          "type": "individualCustomer",
          "id": "1"
        }
      }
    }
  }
}

Transmit ACH payment

This API allows you to simulate a file transmission to the network for an existing ACH payment with Pending status. After transmission, the status would change to Sent for ACH Credit payment and Clearing for ACH Debit payment. The Payment Sent or Payment Clearing webhook event will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/ach/transmit`
Data Type	`transmitAchPayment`
Timeout (Seconds)	`5`

Relationships

payment

JSON:API Relationship

The ACH Payment to transmit.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/ach/transmit'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "transmitAchPayment",
    "relationships": {
      "payment": {
        "data": {
          "type": "achPayment",
          "id": "10"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "achPayment",
    "id": "10",
    "attributes": {
      "createdAt": "2021-03-09T15:02:01.543Z",
      "amount": 10000,
      "direction": "Debit",
      "description": "Payment from Sandbox",
      "status": "Clearing"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Clear ACH payment

This API allows you to immediately clear an existing ACH payment with Clearing status without waiting for the end of the clearing period. The Payment Sent and Transaction Created webhook events will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/ach/clear`
Data Type	`clearAchPayment`
Timeout (Seconds)	`5`

Relationships

payment

JSON:API Relationship

The ACH Payment to be cleared.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/ach/clear'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "clearAchPayment",
    "relationships": {
      "payment": {
        "data": {
          "type": "achPayment",
          "id": "10"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "achPayment",
    "id": "10",
    "attributes": {
      "createdAt": "2021-03-09T15:02:01.543Z",
      "amount": 10000,
      "direction": "Debit",
      "description": "Payment from Sandbox",
      "status": "Sent"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Return ACH payment

This API allows you to return an existing ACH payment for testing purposes, the status of payment can either be Clearing or Sent. The Payment Returned and Transaction Created webhook events will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/ach/return`
Data Type	`returnAchPayment`
Timeout (Seconds)	`5`

Attributes

returnReasonOptional

String

Optional. The return reason code. If empty, the reason will be R01.

Relationships

payment

JSON:API Relationship

The ACH Payment to be returned.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/ach/return'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "returnAchPayment",
    "relationships": {
      "payment": {
        "data": {
          "type": "achPayment",
          "id": "10"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "achPayment",
    "id": "10",
    "attributes": {
      "createdAt": "2021-03-09T13:51:51.100Z",
      "amount": 10000,
      "direction": "Debit",
      "description": "Payment from Sandbox",
      "status": "Returned",
      "reason": "R01"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Receive Wire payment

This API allows you to simulate an incoming wire payment with the specified amount (in cents) for testing purposes. The Transaction Created webhook event will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/wire-payments`
Data Type	`wirePayment`
Timeout (Seconds)	`5`

Attributes

amount

integer

The amount (in cents).

description

string

Payment description (maximum of 50 characters).

Relationships

account

JSON:API Relationship

The Deposit Account receiving the payment.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/wire-payments'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "wirePayment",
    "attributes": {
      "amount": 10000,
      "description": "Wire Payment from Sandbox"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "10001"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "wirePayment",
    "id": "108",
    "attributes": {
      "createdAt": "2021-02-24T11:31:10.009Z",
      "amount": 10000,
      "description": "Wire Payment from Sandbox"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "10001"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Transmit Wire payment

This API allows you to simulate a Wire payment transmission to the network for an existing Wire payment with Pending status. After transmission, the status of the payment would change to Sent. The Payment Sent webhook event will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/wire/transmit`
Data Type	`transmitWirePayment`
Timeout (Seconds)	`5`

Relationships

payment

JSON:API Relationship

The Wire Payment to transmit.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/wire/transmit'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "transmitWirePayment",
    "relationships": {
      "payment": {
        "data": {
          "type": "FedWirePayment",
          "id": "2"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "wirePayment",
    "id": "2",
    "attributes": {
      "createdAt": "2021-09-15T10:23:56.716Z",
      "amount": 200,
      "description": "Wire payment"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "10000"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Approve Wire payment

This API allows you to simulate the approval of a Wire payment with PendingReview status for testing purposes. After approval, the status of the payment would change to Pending.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/wire/approve`
Data Type	`approveWirePayment`
Timeout (Seconds)	`5`

Relationships

payment

JSON:API Relationship

The Wire Payment to approve.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/wire/approve'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "approveWirePayment",
    "relationships": {
      "payment": {
        "data": {
          "type": "fedWirePayment",
          "id": "2"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "fedWirePayment",
    "id": "2",
    "attributes": {
      "createdAt": "2021-09-15T10:23:56.716Z",
      "amount": 200,
      "description": "Wire payment",
      "status": "Pending"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "10000"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "10000"
        }
      }
    }
  }
}

Create ACH Received Payment Transaction

This API allows you to simulate the creation of an ACH received payment for testing purposes. The receivedPayment.created webhook event will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/received-payments`
Data Type	`achReceivedPayment`
Timeout (Seconds)	`5`

Attributes

amount

integer

The amount (in cents).

completionDate

RFC3339 Date string

Shows the date on which the received ACH will be completed (settled or repaid).

description

string

ACH description (maximum of 10 characters), also known as Company Entry Description.

companyName

string

The name by which the originator is known to the receiver. (maximum of 16 characters)

secCodeOptional

string

Optional. The 3-letter ACH Standard Entry Class (SEC) Code (e.g. WEB, CCD, PPD, etc.). default will be WEB

Relationships

account

JSON:API Relationship

The Deposit Account receiving the received payment.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/received-payments'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "achReceivedPayment",
    "attributes": {
      "amount": 10000,
      "description": "paycheck simulation Sandbox",
      "companyName": "UBER LTD",
      "completionDate": "2020-07-30",
      "secCode": "PPD"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "1000"
        }
      }
    }
  }
}'

Note: the status for the created sandbox received payment will bePending. you may advance and/or complete it. Unlike in production, the received payment will never be completed unless the simulate completion is used

Example Response:
{
  "data": {
    "type": "achReceivedPayment",
    "id": "1337",
    "attributes": {
      "createdAt": "2022-02-01T12:03:14.406Z",
      "status": "Pending",
      "wasAdvanced": false,
      "amount": 500000,
      "completionDate": "2020-07-30",
      "companyName": "UBER LTD",
      "counterpartyRoutingNumber": "051402372",
      "description": "Sandbox",
      "traceNumber": "123456789123456",
      "secCode": "PPD"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "163555"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "129522"
        }
      }
    }
  }
}

Complete Received Payment

This API allows you to complete a Received Payment with Pending or Advanced status. The receivedPayment.completed and the Transaction Created for the received payment transaction (and repay advance transaction if the received payment was advances) webhook events will be fired.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/received-payments/{receivedPaymentId}/complete`
Timeout (Seconds)	`5`

curl -X POST 'https://api.s.unit.sh/sandbox/received-payments/101/complete'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'

Example Response
{
  "data": {
    "type": "achReceivedPayment",
    "id": "1337",
    "attributes": {
      "createdAt": "2022-02-01T12:03:14.406Z",
      "status": "Completed",
      "wasAdvanced": true,
      "amount": 500000,
      "completionDate": "2020-07-30",
      "companyName": "UBER LTD",
      "counterpartyRoutingNumber": "051402372",
      "description": "Sandbox",
      "traceNumber": "123456789123456",
      "secCode": "PPD"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "163555"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "129522"
        }
      },
      "receivePaymentTransaction": {
        "data": {
          "type": "transaction",
          "id": "101"
        }
      },
      "paymentAdvanceTransaction": {
        "data": {
          "type": "transaction",
          "id": "202"
        }
      },
      "repayPaymentAdvanceTransaction": {
        "data": {
          "type": "transaction",
          "id": "890"
        }
      }
    }
  }
}

Create Incoming ACH Payment

This API allows you to simulate the creation of an Incoming ACH payment for testing purposes. The simulated Incoming ACH payment will undergo the standard processing flow for incoming ACH payments. This includes checks for name matching, name overrides, stop payments, and other validation steps. The receivedPayment.created webhook event will be fired. In addition a status changed webhook event will be fired as well (Pending/PendingReview/MarkedForReturn).

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/received-ach-payment`
Data Type	`achReceivedPayment`
Timeout (Seconds)	`5`

Attributes

amount

integer

The amount (in cents).

settlementDate

RFC3339 Date string

Shows the date on which the received ACH will be settled.

companyName

string

The name by which the originator is known to the receiver. (maximum of 16 characters)

receivingEntityNameOptional

string

Optional. The name of the receiver. In case of empty value the account customer name will be used. (maximum of 16 characters)

secCodeOptional

string

Optional. The 3-letter ACH Standard Entry Class (SEC) Code (e.g. WEB, CCD, PPD, etc.). currently only WEB is allowed.

Relationships

account

JSON:API Relationship

The Deposit Account receiving the received payment.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/received-ach-payment'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "achReceivedPayment",
    "attributes": {
      "amount": 900,
      "companyName": "Pied Piper",
      "settlementDate": "2025-07-30",
      "secCode": "WEB",
      "receivingEntityName": "Erlich Blachman"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "depositAccount",
          "id": "3336527"
        }
      }
    }
  }
}'

Example Response:
{
  "data": {
    "type": "achReceivedPayment",
    "id": "7477",
    "attributes": {
      "createdAt": "2024-05-15T07:21:28.399Z",
      "status": "Pending",
      "direction": "Debit",
      "wasAdvanced": false,
      "isAdvanceable": false,
      "amount": 90,
      "tags": {},
      "completionDate": "2025-07-30",
      "companyName": "Pied Piper",
      "counterpartyRoutingNumber": "091302966",
      "description": "P2P",
      "addenda": null,
      "traceNumber": "091302964218074",
      "secCode": "WEB",
      "receivingEntityName": "Erlich Blachman"
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "3336527"
        }
      },
      "customer": {
        "data": {
          "type": "customer",
          "id": "1704127"
        }
      }
    }
  }
}

Create Wire Drawdown

This API allows you to simulate the creation of Wire Drawdown for testing purposes.

Verb	`POST`
URL	`https://api.s.unit.sh/sandbox/wire-drawdowns`
Data Type	`wireDrawdown`
Timeout (Seconds)	`5`

Attributes

amount

integer

The amount (in cents).

Relationships

account

JSON:API Relationship

The Deposit Account receiving the Wire Drawdown.

Example Request:

curl -X POST 'https://api.s.unit.sh/sandbox/wire-drawdowns'
-H 'Content-Type: application/vnd.api+json'
-H 'Authorization: Bearer ${TOKEN}'
--data-raw '{
  "data": {
    "type": "wireDrawdown",
    "attributes": {
      "amount": 200
    },
    "relationships": {
      "account": {
        "data": {
          "type": "account",
          "id": "10000"
        }
      }
    }
  }
}'

Example Response:
{
  "type": "wireDrawdown",
  "id": "10000",
  "attributes": {
    "createdAt": "2024-10-29T21:35:58.898Z",
    "amount": 97,
    "direction": "Incoming",
    "counterparty": {
      "name": "ACME CONSTRUCTION SERVICES LLC",
      "routingNumber": "121000248",
      "accountNumber": "9876543210"
    },
    "imad": "20241029MMAAAAAA033351",
    "omad": "20241029MMBBBBBB00041910291735FT03"
  },
  "relationships": {
    "account": {
      "data": {
        "type": "account",
        "id": "10000"
      }
    },
    "customer": {
      "data": {
        "type": "customer",
        "id": "10000"
      }
    }
  }
}

Simulations (Sandbox only)

Receive ACH payment​

Attributes​

Relationships​

Transmit ACH payment​

Relationships​

Clear ACH payment​

Relationships​

Return ACH payment​

Attributes​

Relationships​

Receive Wire payment​

Attributes​

Relationships​

Transmit Wire payment​

Relationships​

Approve Wire payment​

Relationships​

Create ACH Received Payment Transaction​

Attributes​

Relationships​

Complete Received Payment​

Create Incoming ACH Payment​

Attributes​

Relationships​

Create Wire Drawdown​

Attributes​

Relationships​

Receive ACH payment

Attributes

Relationships

Transmit ACH payment

Relationships

Clear ACH payment

Relationships

Return ACH payment

Attributes

Relationships

Receive Wire payment

Attributes

Relationships

Transmit Wire payment

Relationships

Approve Wire payment

Relationships

Create ACH Received Payment Transaction

Attributes

Relationships

Complete Received Payment

Create Incoming ACH Payment

Attributes

Relationships

Create Wire Drawdown

Attributes

Relationships