Test Virtual Account in the sandbox - Pagoramp API Documentation

The sandbox lets you build the whole virtual account flow without moving real money. Request accounts as you would in production, then simulate a customer paying one.

Simulate a payment

curl -X POST https://pay-api-staging.pagoramp.com/api/v1/virtual-accounts/{uuid}/simulate-deposit \
  -H "x-api-key: YOUR_SANDBOX_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": 5000 }'

The payment runs through the same fees, review rules, settlement and webhooks as a real one, so you see exactly what your integration will receive.

Field	Required	Notes
`amount`	Dedicated accounts	In the account currency. Dynamic accounts default to their expected amount
`senderName`	No	Defaults to the customer’s name. Send a different name to see how a payment from someone else is handled

The response tells you what happened:

{
  "status": "success",
  "message": "Deposit simulated successfully",
  "data": { "processed": true, "transactionReference": "va-17912345678901234", "status": "success" }
}

status is success or manual_review. Held payments include a reason.

What to try

To see	Do this
A normal payment	Simulate the customer’s expected amount. You get `virtual_account.payment.received`
An underpayment or overpayment	On a dynamic account, send less or more than the expected amount. You get `virtual_account.payment.manual_review` with `amount_variance`
A payment from someone else	Send a different `senderName`, where your account has sender checks on. You get `virtual_account.payment.manual_review` with `third_party_deposit`
A payment to a closed account	Deactivate the account, or let a dynamic account expire, then simulate. The payment is held as `account_inactive`

Limits

Simulation works in the sandbox only. In production the request returns 403 with simulation_unavailable.
The account must be active. Accounts that are pending, requires_action or failed return 400 with account_not_active.
Simulated payments are marked as simulated in the payment record, and never move real money.
Requesting accounts in the sandbox can still carry an issuance fee. See Issuance fees.