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Simulate a Bank Transfer to a Virtual Account

Simulate a deposit to a virtual account that was issued to a wallet.

This method is relevant only for testing in the sandbox. The currency of the transfer must be supported by the specific virtual account.

This method triggers Deposit Completed Webhook.

Note

  • This endpoint replaces the deprecated endpoint - POST /v1/issuing/bankaccounts/bankaccounttransfertobankaccount

  • Rapyd no longer supports the deprecated endpoint.

  • The code samples include successful requests (200) and bad requests (400).

Prerequisites:

Parameters
Request Header Parameters
Request Body Parameters
Response Parameters
Code Samples

    • .NET

      • using System;
using System.Text.Json;

namespace RapydApiRequestSample
{
    class Program
    {
        static void Main(string[] args)
        {
            try
            {
                var requestObj = new
                {
                    issued_bank_account = "issuing_01ce6729cf4c1a6c5bd2b16901725876",
                    amount = 100,
                    currency = "EUR",

                };

                string request = JsonSerializer.Serialize(requestObj);

                string result = RapydApiRequestSample.Utilities.MakeRequest("POST", "/v1/virtual_accounts/transactions", request);
                Console.WriteLine(result);
            }
            catch (Exception e)
            {
                Console.WriteLine("Error completing request: " + e.Message);
            }
        }
    }
}

    • JavaScript

      • const makeRequest = require('../../../../Utilities/JS/utilities').makeRequest;

async function main() {
  try {
    const body = {
      issued_bank_account: 'issuing_01ce6729cf4c1a6c5bd2b16901725876',
      amount: 100,
      currency: 'EUR'      
      
    };
    const result = await makeRequest(
      'POST',
      '/v1/virtual_accounts/transactions',
      body
    );

    console.log(result);
  } catch (error) {
    console.error('Error completing request', error);
  }
}

    • PHP

      • <?php
$path = $_SERVER['DOCUMENT_ROOT'];
$path .= "/code_race_2020/Utilities/PHP/utilities.php";
include($path);

$body = [
    "issued_bank_account" => "issuing_01ce6729cf4c1a6c5bd2b16901725876",
    "amount" => "100",
    "currency" => "EUR"
];
try {
    $object = make_request('post', '/v1/virtual_accounts/transactions', $body);
    var_dump($object);
} catch(Exception $e) {
    echo "Error: $e";
}
?>

    • Python

      • from pprint import pprint

from utilities import make_request

body = {
    "issued_bank_account": "issuing_b812a80aab159633335bbc64c9819091",
    "amount": "100",
    "currency": "EUR"
}

results = make_request(method='post', path=f'/v1/virtual_accounts/transactions', body=body)
pprint(results)

  • /v1/virtual_accounts/transactions

  • Simulate a Bank Transfer to a Virtual Account

  • curl -X post
'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
	"issued_bank_account": "issuing_d11d404c919519c66ac61e14389f766a",
	"amount": "100",
	"currency": "EUR"
}'
  • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "bdcfd0ef-8163-4230-ad39-9c38a3053712"
    },
    "data": {
        "id": "issuing_d11d404c919519c66ac61e14389f766a",
        "merchant_reference_id": "issuing_d11d404c919519c66ac61e14389f766a",
        "ewallet": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "bank_account": {
            "beneficiary_name": "CashDash UK Limited",
            "address": "Northwest House, 119 Marylebone Road NW1 5PU",
            "country_iso": "DE",
            "iban": "DE07202208000092780641",
            "bic": "SXPYDEHH"
        },
        "metadata": {},
        "status": "ACT",
        "description": null,
        "funding_instructions": null,
        "currency": "EUR",
        "requested_currency": null,
        "transactions": [
            {
                "id": "isutran_5337361d6c62f369d98c71d9e418f063",
                "amount": 100,
                "currency": "EUR",
                "original_amount": 100,
                "original_currency": "EUR",
                "fx_rate": 1,
                "created_at": 1760276114
            }
        ]
    }
}

  • Simulate a Bank Transfer to a Virtual Account with FX

  • curl -X post
'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "issued_bank_account": "issuing_f0d1d873c1c02bccf0ed42de2a609fe2",
    "amount": "101",
    "currency": "USD",
    "requested_currency": "EUR"
}'
  • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "d2bb79f4-608c-48ff-81ad-0dceef5555b5"
    },
    "data": {
        "id": "issuing_f0d1d873c1c02bccf0ed42de2a609fe2",
        "merchant_reference_id": "issuing_f0d1d873c1c02bccf0ed42de2a609fe2",
        "ewallet": "ewallet_31fb2dbbaf6519461ee4fbe1062220d3",
        "bank_account": {
            "beneficiary_name": "CashDash UK Limited",
            "address": "Northwest House, 119 Marylebone Road NW1 5PU",
            "country_iso": "DK",
            "iban": "DK4289000092780662",
            "bic": "SXPYDKKK"
        },
        "metadata": {},
        "status": "ACT",
        "description": null,
        "funding_instructions": null,
        "currency": "EUR",
        "requested_currency": "HKD",
        "transactions": [
            {
                "id": "isutran_4c584940888bb0e727e84d4c7be55d9c",
                "amount": 762.67,
                "currency": "HKD",
                "original_amount": 101,
                "original_currency": "USD",
                "fx_rate": 7.5511839193,
                "created_at": 1760278636
            }
        ]
    }
}

  • Simulate a Bank Transfer to a Virtual Account - with Remitter Information

  • curl -X post
'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "issued_bank_account": "issuing_59fd68cb3837f632abdcb5ddaa75045b",
    "amount": "1",
    "currency": "IDR",
    "remitter_information": {
        "remitter_reference": "Simulating a bank transfer",
        "iban": "DK5000400440116243",
        "account_name": "John Doe",
        "sort_code": "23434",
        "account_number": "1234567",
        "bank_code": "233434",
        "bank_name": "U Bank"
    }
}'
  • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "dd054e90-54e0-4c00-af23-9ff3fa9df157"
    },
    "data": {
        "id": "issuing_59fd68cb3837f632abdcb5ddaa75045b",
        "merchant_reference_id": "issuing_59fd68cb3837f632abdcb5ddaa75045b",
        "ewallet": "ewallet_b16ab040e51deda7f6a786862bd3fe7b",
        "bank_account": {
            "beneficiary_name": "Rapyd Holdings Pte. Ltd.",
            "country_iso": "ID",
            "bank": "Bank Sahabat Sampoerna",
            "country": "Indonesia",
            "local_bank_code": "523",
            "account_number": "4010299991035202"
        },
        "metadata": {},
        "status": "ACT",
        "description": "Issue test bank account",
        "funding_instructions": null,
        "currency": "IDR",
        "requested_currency": null,
        "transactions": [
            {
                "id": "isutran_5ac346053c6b65b3bdcf4baa7aad67c0",
                "amount": 1,
                "currency": "IDR",
                "original_amount": 1,
                "original_currency": "IDR",
                "fx_rate": 1,
                "created_at": 1677495859
            },
            {
                "id": "isutran_5fbe2b43f4aa143eea2147e3967dd2ac",
                "amount": 1,
                "currency": "IDR",
                "original_amount": 1,
                "original_currency": "IDR",
                "fx_rate": 1,
                "created_at": 1760277099
            }
        ]
    }
}

  • Bad Request - Virtual Account Not Found

  • curl -X post
'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
	"issued_bank_account": "issuing_d11d404c919519c66ac61e14389f766",
	"amount": "10",
	"currency": "EUR"
}'
  • {
    "status": {
        "error_code": "ERROR_ISSUING_DEPOSIT",
        "status": "ERROR",
        "message": "The request tried to simulate a deposit to a virtual account number that was issued to a wallet in the sandbox, but the virtual account was not found. The request was rejected. Corrective action: For 'issued_bank_account', use the ID of a Virtual Account Number that was issued to a wallet, which is a string starting with 'issuing_'.",
        "response_code": "ERROR_ISSUING_DEPOSIT",
        "operation_id": "aa69b86c-b8de-4393-b844-365f63bac36e"
    }
}

  • Bad Request - Currency Mismatch

  • curl -X post
'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
	"issued_bank_account": "issuing_d11d404c919519c66ac61e14389f766a",
	"amount": "10",
	"currency": "PHP"
}'
  • {
    "status": {
        "error_code": "ERROR_SIMULATE_DEPOSIT_CURRENCY_MISMATCH",
        "status": "ERROR",
        "message": "The request tried to simulate a bank transfer to a virtual account, but the currency of the deposit was not the same as the currency of the virtual account. The request was rejected. Corrective action: Set 'currency' to the currency of the virtual account.",
        "response_code": "ERROR_SIMULATE_DEPOSIT_CURRENCY_MISMATCH",
        "operation_id": "08c8dde9-807e-47f6-a8eb-42c31f71ea44"
    }
}
In this section:

The number of seconds elapsed since the beginning of the Unix epoch, which was 00:00:00 GMT on January 1, 1970. 10-digit integer.

An alphanumeric identifier for financial institutions, also known informally as a SWIFT code or SWIFT/BIC code.

A number for a bank account that is used for international transfers.