Simulate Card Webhook - LaikiPay

Overview

The POST /merchant/cards/{id}/simulate-webhook endpoint fires a synthetic card webhook in the Sandbox environment directly to your configured webhook URL, allowing you to verify receivers end-to-end without real card swipes or third-party POS devices.

[!NOTE] Sandbox Only: This endpoint is strictly restricted to Sandbox/Test mode (environment: TEST). Live/Production keys will reject this request with a 400 Bad Request or 403 Forbidden error.

Path Parameters

Parameter	Type	Required	Description
`id`	`string`	Yes	The unique identifier or reference of the virtual card created in Sandbox.

Request Body Parameters

Field	Type	Required	Allowed Values	Description
`event_type`	`string`	Yes	`authorization` `settlement` `reversal` `decline`	The card transaction lifecycle event you wish to simulate.

Event Types

Event Type	Dispatched Webhook Event	Description
`authorization`	`virtualcard.transaction.authorization`	Simulates an authorization hold approval on the card.
`settlement`	`virtualcard.transaction.settlement`	Simulates merchant settlement of a previously authorized transaction.
`reversal`	`virtualcard.transaction.reversed`	Simulates reversal of an authorization hold back to the card balance.
`decline`	`virtualcard.transaction.declined`	Simulates a transaction decline (e.g., insufficient funds or CVV failure).

Code Examples

curl -X POST "https://api.laikipay.com/v1/merchant/cards/crd_98a12e0bf4/simulate-webhook" \
  -H "Authorization: Bearer sk_test_..." \
  -H "Content-Type: application/json" \
  -d '{
    "event_type": "authorization"
  }'

const res = await fetch("https://api.laikipay.com/v1/merchant/cards/crd_98a12e0bf4/simulate-webhook", {
  method: "POST",
  headers: {
    "Authorization": "Bearer sk_test_...",
    "Content-Type": "application/json"
  },
  body: JSON.stringify({
    event_type: "authorization"
  })
});
const data = await res.json();
console.log(data);

import requests

url = "https://api.laikipay.com/v1/merchant/cards/crd_98a12e0bf4/simulate-webhook"
headers = {
    "Authorization": "Bearer sk_test_...",
    "Content-Type": "application/json"
}
payload = {
    "event_type": "authorization"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())

Response Schema

{
  "success": true,
  "message": "Card webhook simulated successfully",
  "data": {
    "event_type": "virtualcard.transaction.authorization",
    "reference": "SIMULATE_AUTH_9afbc353-6ead-41d4-b046-78fa23b1cf03",
    "callback_url": "https://your-domain.com/webhooks/cards",
    "dispatched": true,
    "skip_reason": null
  },
  "timestamp": "2026-10-14T15:30:00.000Z"
}