> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/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. POST/simulate/financial/originalcredit 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. ## Body field details | Fields | Description | | - | - | | amount decimal Required | Amount of the transaction. **Allowable Values:** Format: 0.00 Must be greater than zero | | card\_token string Required | Unique identifier of the card receiving original credit. **Allowable Values:** Existing card token. 36 char max | | mid string Required | Merchant Identifier of the merchant participating in the transaction. **Allowable Values:** 50 char max | | card\_acceptor object Optional | Contains attributes that describe the merchant. **Allowable Values:** A valid `card_acceptor` object. | | screening\_score string Optional | Sanctions screening score to assist with meeting Anti-Money Laundering (AML) obligations. Higher scores indicate that the sender's data more closely resembles an entry on the regulatory watchlist. **Allowable Values:** 000-100 or 999 Value of 999 means no score available. | | type string Required | Type of original credit transaction. **Allowable Values:** `account_to_account`, `person_to_person`, `wallet_transfer`, `money_transfer_by_bank`, `business_to_business`, `disbursement`, `government_disbursement`, `gambling_payout`, `loyalty`, `merchant_disbursement`, `online_gambling_payout`, `pension_disbursement`, `prepaid_loads`, `card_bill_payment`, `bill_payment`, `cash_claim`, `cash_in`, `cash_out`, `mobile_air_time_payment`, `money_transfer_by_merchant`, `face_to_face_merchant_payment`, `government_payment`, `payments_goods_services` | | sender\_data object Optional | Contains sender-related information. **Allowable Values:** A valid `sender_data` object. | | webhook object Optional | Allows information to be posted asynchronously to endpoints hosted in your environment. **Allowable Values:** A valid `webhook` object. | ## The card\_acceptor object | Fields | Description | | - | - | | mcc string Optional | Merchant category code. **Allowable Values:** 5 char max | | partial\_approval\_capable boolean Optional | Whether the response can approve an amount less than the requested amount. **Allowable Values:** `true`, `false` **Default value:** `false` | | name string Optional | Merchant name. **Allowable Values:** 255 char max | | address string Optional | Merchant address. **Allowable Values:** 255 char max | | city string Optional | Merchant city. **Allowable Values:** 255 char max | | state string Optional | Merchant state. **Allowable Values:** 2 char max | | zip string Optional | Merchant ZIP or postal code. **Allowable Values:** 10 char max | | country string Optional | Merchant country. **Allowable Values:** 40 char max | | ecommerce\_security\_level\_indicator string Optional | Represents the security protocol and cardholder authentication type associated with the transaction. **Allowable Values:** 0-9 | ## The sender\_data object | Fields | Description | | - | - | | sender\_name string Optional | Sender full name. **Allowable Values:** 255 char max | | sender\_reference\_number string Optional | Transaction reference number provided by the originating bank used to uniquely identify the sender. **Allowable Values:** 16 char max | | sender\_account\_number string Optional | Sender's simulated account number. **Allowable Values:** 34 char max | | sender\_address string Optional | Sender street address. **Allowable Values:** 255 char max | | sender\_city string Optional | Sender city. **Allowable Values:** 36 char max | | sender\_state string Optional | Sender state. **Allowable Values:** 2 char max | | sender\_country string Optional | Sender country. **Allowable Values:** 40 char max | | funding\_source string Optional | Sender's simulated account from which the OCT draws funds. **Allowable Values:** `credit`, `debit`, `prepaid`, `deposit_account`, `cash`, `mobile_money_account`, `non_visa_credit` | ## The webhook object | Fields | Description | | - | - | | endpoint string Optional | Endpoint to which a copy of the response is sent. **Allowable Values:** - HTTPS URL - 250 char max - Empty string not allowed | | username string Optional | Username for accessing the endpoint. **Allowable Values:** 50 char max | | password string Optional | Password for accessing the endpoint. **Allowable Values:** No restrictions | ## Sample request body Send the following request to simulate a `disbursement` type transaction. ```json JSON lines wrap theme={null} { "amount": 10, "card_token": "ce2002fd-5e9a-4c9b-a82d-cc74da4e8280", "mid": "11111", "type": "disbursement" } ``` ## Sample response body The following response simulates a `disbursement` type transaction. ```json JSON expandable lines wrap theme={null} { "transaction": { "type": "original.credit.auth_plus_capture", "state": "COMPLETION", "token": "84f39ded-0700-41e5-911e-89215a77104c", "user_token": "fc7c4a77-f105-44b0-8424-f9f9c3d4d090", "acting_user_token": "fc7c4a77-f105-44b0-8424-f9f9c3d4d090", "card_token": "380e26fe-4f9f-4ee0-9fb8-e26062be8445", "original_credit": { "transaction_type": "disbursement" }, "gpa": { "currency_code": "USD", "ledger_balance": 10, "available_balance": 10, "credit_balance": 0, "pending_credits": 0, "impacted_amount": 10, "balances": { "USD": { "currency_code": "USD", "ledger_balance": 10, "available_balance": 10, "credit_balance": 0, "pending_credits": 0, "impacted_amount": 10 } } }, "duration": 199, "created_time": "2024-07-08T23:47:04Z", "user_transaction_time": "2024-07-08T23:47:04Z", "request_amount": 10, "amount": 10, "currency_code": "USD", "approval_code": "206645", "response": { "code": "0000", "memo": "Approved or completed successfully" }, "merchant": { "name": "John Doe Merchant Inc.", "active": true, "contact": "John D. Doe", "contact_email": "jdoe@domain.com", "longitude": 0, "latitude": 0, "address1": "180 Grand Avenue", "address2": "Suite 2303", "city": "Oakland", "state": "CA", "zip": "94612", "country": "USA", "token": "c0b3f6cd-146e-45a8-9440-efcce623dd37", "partial_auth_flag": true, "created_time": "2024-02-14T00:57:02Z", "last_modified_time": "2024-02-14T00:57:02Z" }, "store": { "name": "Aegis Fleet Services", "active": false, "longitude": 0, "latitude": 0, "address1": "111 Main St", "city": "Berkeley", "state": "CA", "zip": "94702", "token": "8f195870-94ce-4bfd-ac46-75a4fcf17500", "partial_auth_flag": true, "mid": "11111", "merchant_token": "c0b3f6cd-146e-45a8-9440-efcce623dd37", "partial_approval_capable": true, "keyed_auth_cvv_enforced": false, "created_time": "2024-02-14T01:18:38Z", "last_modified_time": "2024-02-14T01:18:38Z" }, "network": "VISA", "subnetwork": "VISANET", "acquirer_fee_amount": 0, "acquirer": { "institution_id_code": "05779900106", "retrieval_reference_number": "726213433770", "system_trace_audit_number": "881236" }, "fees": [ { "type": "ISSUER_LOAD_SURCHARGE_FEE", "amount": 0 } ], "user": { "metadata": {} }, "card": { "last_four": "3201", "metadata": {} }, "issuer_received_time": "2024-07-08T23:47:04.577Z", "issuer_payment_node": "715de90f8dd6eeb2d87251dd691d7de2", "card_acceptor": { "mid": "11111", "mcc": "00", "country_code": "USA" }, "pos": { "terminal_id": "TR100000", "partial_approval_capable": false, "purchase_amount_only": false, "is_recurring": false } }, "raw_iso8583": { "0": "2210", "2": "1111119311153201", "3": "260000", "4": 10, "5": 10, "7": "0708234704", "11": "881236", "12": "114704", "13": "0708", "14": "2307", "15": "0708", "17": "0708", "22": "10000000020000000100000001000000", "26": "00", "32": "05779900106", "33": "13747132476", "37": "726213433770", "38": "206645", "39": "0000", "41": "TR100000", "42": "11111", "43": { "7": "840" }, "44": { "1": "Approved or completed successfully", "3": "00", "4": "Approved or completed successfully" }, "48": "OCT 07012020", "50": "840", "54": "00028402C00000000100000018402C000000001000", "58": "00000000022", "59": "0000000", "63": "VISA", "112": { "101": "10.00", "102": "10.00", "103": "840" }, "113": { "2": "106", "32": "VISANET", "35": "API", "42": "DISBURSEMENT", "46": "true" }, "123": "123 Main St. " } } ``` ## Related topics - [Simulate OCT authorization](https://www.marqeta.com/docs/core-api/simulations-card-transactions/original-credit-transactions/simulate-oct-authorization.md) - [Simulate OCT authorization clearing](https://www.marqeta.com/docs/core-api/simulations-card-transactions/original-credit-transactions/simulate-oct-authorization-clearing.md) - [Simulate OCT authorization and capture](https://www.marqeta.com/docs/core-api/simulations-card-transactions/original-credit-transactions/simulate-oct-authorization-capture.md) - [Simulate OCT authorization and capture reversal](https://www.marqeta.com/docs/core-api/simulations-card-transactions/original-credit-transactions/simulate-oct-authorization-capture-reversal.md) - [Original Credit Transaction (OCT) Simulations Overview](https://www.marqeta.com/docs/core-api/simulations-card-transactions/original-credit-transactions.md)