Use the /simulateCardAuth endpoint to simulate a card authorization in non-production environments. This endpoint creates but does not settle a card authorization for the account.

📘 Note: This endpoint is only available in non-production environments (local, development, sandbox, cv). Calls to this endpoint in production will return an error.

Requirements:

• The account must be active
• For debit accounts, sufficient balance is required
• Card blocks must be set to 'none' on the account

Result:

When successfully called, this endpoint returns an authId that can be used with Simulate Card Settle to complete the transaction.

Choosing the simulation path (useAttachedCardNetwork):

Some accounts have a card network attached on top of a different primary system of record — for example, a line of credit with an attached card. For those accounts there are two distinct paths that can produce a transaction, and this flag controls which one the simulation exercises:

• Card network path — the simulation is run against the attached card network. This mirrors what happens in production when a real card swipe is authorized by the network and then forwarded to the primary system.
• Primary path — the simulation is run directly against the account's system of record (e.g., the loan management system for a line of credit), bypassing the card network. Useful for testing the system-of-record's behavior in isolation.

Behavior by value:

• Omitted (default) — runs on the attached card network when one is present on the account; otherwise runs on the account's system of record. For standard card accounts (where the card network is also the system of record), this is always the card network.
• true — forces the attached card network path. Returns a 400 ATTACHED_CARD_NETWORK_NOT_FOUND error if the account has no attached card network.
• false — forces the account's primary path, even if a card network is attached. For a line-of-credit account this routes the simulation to the loan management system.

For standard card accounts (no separate system of record), all three values resolve to the same simulation.