curl --request POST \
  --url https://production.hifi.com/v3/users/{userId}/virtual-accounts/{virtualAccountId}/simulate-deposits \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount": 100,
  "transferType": "ACH",
  "reference": "INV-2026-0001",
  "source": {
    "routingNumber": "021000021",
    "accountNumber": "123456789",
    "name": "Jane Doe",
    "bankName": "Example Bank"
  }
}
'

import requests

url = "https://production.hifi.com/v3/users/{userId}/virtual-accounts/{virtualAccountId}/simulate-deposits"

payload = {
    "amount": 100,
    "transferType": "ACH",
    "reference": "INV-2026-0001",
    "source": {
        "routingNumber": "021000021",
        "accountNumber": "123456789",
        "name": "Jane Doe",
        "bankName": "Example Bank"
    }
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    amount: 100,
    transferType: 'ACH',
    reference: 'INV-2026-0001',
    source: {
      routingNumber: '021000021',
      accountNumber: '123456789',
      name: 'Jane Doe',
      bankName: 'Example Bank'
    }
  })
};

fetch('https://production.hifi.com/v3/users/{userId}/virtual-accounts/{virtualAccountId}/simulate-deposits', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://production.hifi.com/v3/users/{userId}/virtual-accounts/{virtualAccountId}/simulate-deposits",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount' => 100,
    'transferType' => 'ACH',
    'reference' => 'INV-2026-0001',
    'source' => [
        'routingNumber' => '021000021',
        'accountNumber' => '123456789',
        'name' => 'Jane Doe',
        'bankName' => 'Example Bank'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://production.hifi.com/v3/users/{userId}/virtual-accounts/{virtualAccountId}/simulate-deposits"

	payload := strings.NewReader("{\n  \"amount\": 100,\n  \"transferType\": \"ACH\",\n  \"reference\": \"INV-2026-0001\",\n  \"source\": {\n    \"routingNumber\": \"021000021\",\n    \"accountNumber\": \"123456789\",\n    \"name\": \"Jane Doe\",\n    \"bankName\": \"Example Bank\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://production.hifi.com/v3/users/{userId}/virtual-accounts/{virtualAccountId}/simulate-deposits")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount\": 100,\n  \"transferType\": \"ACH\",\n  \"reference\": \"INV-2026-0001\",\n  \"source\": {\n    \"routingNumber\": \"021000021\",\n    \"accountNumber\": \"123456789\",\n    \"name\": \"Jane Doe\",\n    \"bankName\": \"Example Bank\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://production.hifi.com/v3/users/{userId}/virtual-accounts/{virtualAccountId}/simulate-deposits")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount\": 100,\n  \"transferType\": \"ACH\",\n  \"reference\": \"INV-2026-0001\",\n  \"source\": {\n    \"routingNumber\": \"021000021\",\n    \"accountNumber\": \"123456789\",\n    \"name\": \"Jane Doe\",\n    \"bankName\": \"Example Bank\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "message": "Deposit simulated successfully."
}

{
  "type": "VALIDATION_ERROR",
  "message": "One or more fields are invalid or missing.",
  "fields": [
    {
      "code": "invalid_value",
      "message": "Must be a valid email address",
      "field": "email"
    }
  ]
}

{
  "type": "UNAUTHORIZED",
  "message": "Authentication required"
}

{
  "type": "RESOURCE_NOT_FOUND",
  "message": "<string>",
  "fields": [
    {
      "code": "<string>",
      "message": "<string>",
      "field": "<string>"
    }
  ]
}

{
  "type": "RESOURCE_CONFLICT",
  "message": "Resource already exists or conflicts with current state"
}

{
  "type": "INTERNAL_SERVER_ERROR",
  "message": "An internal server error occurred"
}