> ## Documentation Index > Fetch the complete documentation index at: https://docs.polygon.technology/llms.txt > Use this file to discover all available pages before exploring further. # Simulate inbound transfer on a Virtual Account > Simulate an inbound fiat transfer against a Virtual Account, for testing webhook and reconciliation flows. Sandbox / non-production only; returns 404 in production-live. Set the `type` field in the request body to choose the transfer rail: `bankUs` (network `ach` or `wire`) or `bankIban` (network `swift`). ## OpenAPI ````yaml /api-reference/openapi.yaml post /virtual-accounts/{virtualAccountId}/simulate/inbound-transfer openapi: 3.0.3 info: title: Polygon OMS Public API version: v26.05.28-0001 description: >- Unified API for moving money between crypto and fiat. Three ways to move money: Transactions (instant, wallet or card funded, including Cash-In for in-person cash deposits), Deposit Addresses (reusable crypto deposit configurations), and Virtual Accounts (dedicated bank accounts that auto-convert fiat to crypto). Standard transactions follow a two-step flow: create a Quote (pricing), then create a Transaction (execution). Cash-in codes generate a one-time deposit code for in-person cash deposits at retail locations. contact: name: Polygon OMS url: https://oms.polygon.technology servers: - url: https://sandbox-api.polygon.technology/v0.10 description: Sandbox - url: https://api.polygon.technology/v0.10 description: Production security: - BearerAuth: [] tags: - name: Auth description: Authentication via FrontEgg - name: Customers description: Customer management and KYC - name: Customer - name: Wallet - name: Quote - name: Transaction - name: Webhook - name: CashIns - name: CashLocation - name: Sandbox - name: VirtualAccount - name: Counterparty - name: ExternalAccount - name: DepositAddress paths: /virtual-accounts/{virtualAccountId}/simulate/inbound-transfer: post: tags: - Sandbox summary: Simulate inbound transfer on a Virtual Account description: |- Simulate an inbound fiat transfer against a Virtual Account, for testing webhook and reconciliation flows. Sandbox / non-production only; returns 404 in production-live. Set the `type` field in the request body to choose the transfer rail: `bankUs` (network `ach` or `wire`) or `bankIban` (network `swift`). operationId: simulateVirtualAccountInboundTransfer parameters: - name: virtualAccountId in: path required: true schema: type: string - $ref: '#/components/parameters/IdempotencyKeyHeader' requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/SimulateVaInboundTransferRequest' examples: International SWIFT inbound (settles asynchronously): summary: International SWIFT inbound (settles asynchronously) value: type: bankIban network: swift asset: usd amount: '500.00' US domestic ACH inbound (settles synchronously): summary: US domestic ACH inbound (settles synchronously) value: type: bankUs network: ach asset: usd amount: '250.00' responses: '200': description: The request has succeeded. content: application/json: schema: $ref: '#/components/schemas/SimulateVaInboundTransferResponse' examples: International SWIFT inbound (settles asynchronously): summary: International SWIFT inbound (settles asynchronously) value: virtualAccountId: va_bztg5dcpfbec9s0jkq28d5meq3 type: bankIban network: swift asset: usd amount: '500.00' status: pending submittedAt: '2026-07-13T19:05:00Z' referenceId: intl_wire_in_9f3c2a7b8d1e4056 US domestic ACH inbound (settles synchronously): summary: US domestic ACH inbound (settles synchronously) value: virtualAccountId: va_bztg5dcpfbec9s0jkq28d5meq3 type: bankUs network: ach asset: usd amount: '250.00' status: submitted submittedAt: '2026-07-13T19:00:00Z' referenceId: null components: parameters: IdempotencyKeyHeader: name: Idempotency-Key in: header required: true description: >- Required on POST and PUT requests. Use a unique value per logical mutation attempt, for example a UUID. schema: type: string schemas: SimulateVaInboundTransferRequest: type: object oneOf: - $ref: '#/components/schemas/SimulateVaBankUsInboundRequest' - $ref: '#/components/schemas/SimulateVaBankIbanInboundRequest' discriminator: propertyName: type mapping: bankUs: $ref: '#/components/schemas/SimulateVaBankUsInboundRequest' bankIban: $ref: '#/components/schemas/SimulateVaBankIbanInboundRequest' description: |- Type-discriminated request for POST /virtual-accounts/{id}/simulate/inbound-transfer. SimulateVaInboundTransferResponse: type: object required: - virtualAccountId - type - network - asset - amount - status - submittedAt - referenceId properties: virtualAccountId: allOf: - $ref: '#/components/schemas/typeId' description: >- The Virtual Account that received the simulated transfer (`va_` prefix). type: allOf: - $ref: '#/components/schemas/SimulateVaInboundTransferType' description: Echoes the request's rail discriminator. network: allOf: - $ref: '#/components/schemas/SimulateVaInboundTransferNetwork' description: The rail the transfer settled on. asset: type: string enum: - usd description: Always "usd". amount: allOf: - $ref: '#/components/schemas/decimalString' description: The simulated transfer amount. status: type: string enum: - submitted - pending description: >- "submitted" for ach/wire (settles synchronously); "pending" for swift - the upstream provider settles SWIFT asynchronously. submittedAt: type: string format: date-time description: When the simulated transfer was submitted. referenceId: type: string nullable: true description: |- Correlation id for the subsequent webhook. `null` for ach/wire; an `intl_wire_in_…` id for swift. description: |- Flat (non-discriminated) response for POST /virtual-accounts/{id}/simulate/inbound-transfer. SimulateVaBankUsInboundRequest: type: object required: - type - network - asset - amount properties: type: type: string enum: - bankUs description: Rail discriminator. Always `bankUs` for a US domestic inbound. network: allOf: - $ref: '#/components/schemas/SimulateVaBankUsNetwork' description: Which US rail to simulate. asset: type: string enum: - usd description: Always "usd", the only asset the VA rail supports today. amount: allOf: - $ref: '#/components/schemas/decimalString' description: >- Must be greater than 0.00 and at most 1000.00 (422 `simulationAmountOutOfRange` beyond). description: US domestic (ACH or Wire) inbound simulation against a Virtual Account. title: US bank account (ACH or Wire) SimulateVaBankIbanInboundRequest: type: object required: - type - network - asset - amount properties: type: type: string enum: - bankIban description: Rail discriminator. Always `bankIban` for an international inbound. network: type: string enum: - swift description: Always "swift" for the international rail. asset: type: string enum: - usd description: Always "usd", the only asset the VA rail supports today. amount: allOf: - $ref: '#/components/schemas/decimalString' description: >- Must be greater than 0.00 and at most 1000.00 (422 `simulationAmountOutOfRange` beyond). description: International (SWIFT) inbound simulation against a Virtual Account. title: International bank account (SWIFT) typeId: type: string pattern: >- ^[a-z]+_([0-9a-hjkmnp-tv-z]{26}|[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12})$ description: >- Public TypeID, e.g. `txn_01h455vb4pex5vsknk084sn02q`; legacy UUID suffixes are accepted until non-v7 rows are retired. x-go-type: string SimulateVaInboundTransferType: type: string enum: - bankUs - bankIban description: Echoes the request's `type` discriminator on the response. SimulateVaInboundTransferNetwork: type: string enum: - ach - wire - swift description: Network actually used - the union of both request rails' networks. decimalString: type: string description: >- Wire-safe decimal string for financial float values (USD amounts, percentages). x-go-type-import: path: github.com/shopspring/decimal x-go-type: decimal.Decimal SimulateVaBankUsNetwork: type: string enum: - ach - wire description: Network for a `bankUs` (US domestic) inbound simulation. securitySchemes: BearerAuth: type: http scheme: bearer bearerFormat: JWT description: Token from POST /auth/token ````