> ## Documentation Index > Fetch the complete documentation index at: https://docs.synctera.com/llms.txt > Use this file to discover all available pages before exploring further. # Simulate OCT > This Original Credit Transaction (OCT) enables the cardholder to receive funds on the specified card from an external source via the card network. Use this endpoint to simulate a transaction that is similar to a wire transfer and not linked to any purchase. Simulate an OCT by including the `card_token`, `amount`, `mid`, and `type` in your request. ## OpenAPI ````yaml openapi-v1.json post /cards/transaction_simulations/financial/original_credit openapi: 3.0.3 info: description: >- This is the official reference documentation for Synctera APIs. If you need something specific or have a question, contact us.

license: name: Apache 2.0 url: https://www.apache.org/licenses/LICENSE-2.0.html title: Synctera API version: 1.181.0 servers: - description: Production url: https://api.synctera.com/v1 - description: Sandbox (no real world financial impact) url: https://api-sandbox.synctera.com/v1 security: - bearerAuth: [] tags: - description: | Requests to create and manage Rewards name: Rewards (beta) - description: Requests to generate simulated webhooks name: Card Webhook Simulations - description: >- Testing endpoints to simulate in-store cash deposits. Available in sandbox environments only. name: In-Store Cash Deposit Simulations - description: Create and manage spending controls name: Spend Controls (beta) - description: Rates name: Rates - description: Requests to create and manage webhooks name: Webhooks - description: Tenant Config name: Tenant Config - description: FDX authentication and data transfer using Plaid Core Exchange name: Plaid Core Exchange (beta) - description: Create and manage disputes name: Disputes - description: Requests to simulate card payments name: Card Simulations - description: | Manage fee products and fee configs for automated fee collection name: Fee Products - description: Apple Pay APIs name: Apple Pay - description: Lending Config name: Lending Config - description: Payments related to lending accounts name: Payments - description: Manage negative balance processes name: Negative Balance - description: Configuration for mapping LoanPro events to Payola transaction parameters name: LoanPro Transaction Event Config - description: Requests to generate simulated transactions name: Cash Transaction Simulations (alpha) - description: Create and manage transactions name: Transactions (beta) - description: Autopay payment records for billing periods name: Autopays - description: Create and manage accounts name: Accounts - description: | Requests to create and manage batch payments name: Batch Payments (alpha) - description: Billing rates name: Billing Rates - description: Bank Delinquency Configuration name: Bank Delinquency Configuration - description: >- Rules that map a posted payment transaction (bank/partner + transaction attributes) to a regulatory payment code. NULL match columns act as wildcards. name: Payment Code Configuration - description: Create and manage Synctera Pay templates name: SyncteraPay - description: | Manage reward products and reward configs for automated cashback rewards name: Reward Products - description: Requests to create and manage card disputes name: Card Disputes - description: >- Per bank/partner account-type mapping to FFIEC collateral codes used for regulatory call report furnishment. name: Collateral Code Configuration - description: Bulk card issuance name: Bulk Issuance - description: Autopay configuration management for lending accounts name: Autopay Configs - description: Request to create and manage exclusions name: Statements - description: Create and manage barcodes for in-store cash deposits name: In-Store Cash Deposits - description: Customer Service Details for disputes and billing inquiries name: Customer Service Details - description: Create a credit application. name: Applications (beta) - description: Requests to generate simulated transactions name: Card Transaction Simulations - description: Billing period summaries name: Billing Period Summaries - description: Requests to issue and manage cards name: Cards - description: Push and pull from cards name: External Cards - description: | Requests to create and manage fees name: Fees (beta) paths: /cards/transaction_simulations/financial/original_credit: summary: Simulate OCT post: tags: - Card Transaction Simulations summary: Simulate OCT description: > This Original Credit Transaction (OCT) enables the cardholder to receive funds on the specified card from an external source via the card network. Use this endpoint to simulate a transaction that is similar to a wire transfer and not linked to any purchase. Simulate an OCT by including the `card_token`, `amount`, `mid`, and `type` in your request. operationId: simulateOriginalCredit requestBody: content: application/json: schema: $ref: '#/components/schemas/original_credit_request_model' description: OCT details required: true responses: '201': content: application/json: schema: $ref: '#/components/schemas/simulation_response_model' description: Success '400': $ref: '#/components/responses/bad_request' '401': $ref: '#/components/responses/unauthorized' '403': $ref: '#/components/responses/forbidden' '500': $ref: '#/components/responses/internal_server_error' components: schemas: original_credit_request_model: properties: amount: description: >- The amount of the transaction in the smallest whole denomination of the applicable currency (eg. For USD use cents) type: integer card_acceptor: $ref: '#/components/schemas/card_acceptor_model' card_id: format: uuid type: string mid: maxLength: 50 minLength: 1 type: string screening_score: type: string sender_data: $ref: '#/components/schemas/original_credit_sender_data' transactionPurpose: type: string type: enum: - account_to_account - bill_payment - business_to_business - card_bill_payment - cash_claim - cash_in - cash_out - disbursement - face_to_face_merchant_payment - gambling_payout - government_disbursement - government_payment - loyalty - merchant_disbursement - mobile_air_time_payment - money_transfer_by_bank - money_transfer_by_merchant - online_gambling_payout - payments_goods_services - pension_disbursement - person_to_person - prepaid - prepaid_loads - wallet_transfer type: string required: - amount - card_id - mid - type type: object simulation_response_model: type: object card_acceptor_model: example: address: address city: city country: country ecommerce_security_level_indicator: ecommerce_security_level_indicator mcc: mcc name: name partial_approval_capable: false state: state zip: zip properties: address: maxLength: 255 type: string city: maxLength: 40 type: string country: type: string ecommerce_security_level_indicator: type: string mcc: maxLength: 5 type: string name: maxLength: 50 type: string partial_approval_capable: default: false type: boolean state: type: string zip: maxLength: 10 type: string type: object original_credit_sender_data: properties: funding_source: enum: - cash - credit - debit - deposit_account - mobile_money_payment - non_visa_credit - prepaid type: string sender_account_number: type: string sender_account_type: enum: - bank_account_number_and_identification_code - card_account - email - iban - other - phone_number - rtn_bank_account - social_network_id - wallet_id type: string sender_address: type: string sender_city: type: string sender_country: type: string sender_name: type: string sender_reference_number: type: string sender_state: type: string transaction_purpose: enum: - crypto_currency - education - emergency_need - family_support - gifts - labor_transfers - lending - medical_treatment - other - salary - savings - travel type: string unique_transaction_reference_number: maxLength: 17 minLength: 1 type: string required: - funding_source type: object error: description: Synctera error responses in API v1 implement a custom error schema. properties: code: description: > A machine-readable string that identifies the error for programmatic use. example: BAD_REQUEST_BODY type: string detail: description: | A human-readable string explaining this particular error. example: 'Missing required fields: first_name, dob' type: string status: description: HTTP status code for this response example: 400 type: integer title: Synctera error response type: object responses: bad_request: content: application/json: schema: $ref: '#/components/schemas/error' description: Bad request unauthorized: content: application/json: schema: $ref: '#/components/schemas/error' description: Unauthorized forbidden: content: application/json: schema: $ref: '#/components/schemas/error' description: Forbidden internal_server_error: content: application/json: schema: $ref: '#/components/schemas/error' description: Internal server error securitySchemes: bearerAuth: bearerFormat: api_key scheme: bearer type: http ````