Simulating Transactions and Transfers

Transactions and Transfers are a major part of the our platform and they have a prominent place in Newline's Sandbox "out-of-the-box" functionality. Our Sandbox involves two key, related functions: (1) being able to mock transactions and (2) enact test transfers.

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Note

Transfers are a type of transaction. Every time a Transfer is created, a subsequent Transaction record is also instantiated.

Mock Transactions

In order to mock transactions, you'll need to utilize the simulate a Transaction endpoint (part of the Sandbox API reference). This request, if successful, will attribute and generate settled transactions that will affect the balances of the Synthetic Account provided in the supplied data. To learn more about how Transfers will happen in Production, please refer back to our Transfers guide.

Mocking transactions can be useful for creating a historical record against one of your Sandbox accounts, or staging transactions for future transfers. For example, mocking incoming revenue prior to disbursing payroll to downstream users.

Enacting Transfers

The Sandbox will accept transfer requests 24/7 to allow for uninterrupted testing.

We recommend you test the following Transfers and then view the Synthetic Account balances and the Transactions, Transaction Events, and Synthetic Line Items created as a result:

• Incoming Transactions (Wires, ACH entries, or Instant Payments) - Ledgered against a general Synthetic Account as a result of a mock transaction. This will simulate an unsolicited wire credit or wire debit initiated by an external financial institution.
• Outgoing Wires - From a general Synthetic Account to a Synthetic Account of category wire_external.
• ODFI ACH Debit or Credits - From a general Synthetic Account to a Synthetic Account of category ach_external. This also involves changing the values for the specified source_synthetic_account_uid or destination_synthetic_account_uid as that will result in either a debit or credit.
• Outgoing Instant Payments - From a general Synthetic Account to a Synthetic Account of category instant_payment_external.