Insomniac Uptop API — Docs & Testing Hub

Simulate transactions

Inject a synthetic Ansa card transaction so you can exercise the card-spend earn flow end to end — without a live card or a real Ansa delivery. Pick a cardholder, simulate an authorization at any merchant, then settle it to watch the pending earn become redeemable. It posts a Svix-signed webhook to the same endpoint a live Ansa event hits, so signature verification and the earn handlers run exactly as in production.

Sandbox only — this endpoint is disabled in production.

Simulate a card transaction

POST /sandbox/transactions:simulate

EventAuths create a pending earn; settlements re-value it to the settled amount and make it redeemable.Cardholder user idrequiredThe Uptop user id to credit. They must already have an Ansa wallet — add a payment method first.Authorized amount (cents)requiredIn cents — e.g. 1599 = $15.99.Merchant descriptorOptional. Matched against your sponsors (same as the real card rail) to theme the earn and apply the sponsor's multiplier.MCCOptional merchant category code.

How it works

Authorization records a pending earn for the cardholder — points are estimated from the authorized amount and the matched sponsor’s multiplier, but aren’t redeemable yet. If you’ve configured a webhook, the points.pending event fires too.
Settlement re-values the earn to the amount that actually settled — a tip or partial capture changes it — makes the points redeemable, and credits the balance. A zero settlement voids the earn.
The merchant descriptor is matched against your sponsors exactly like the real card rail, so you can verify themed, multiplied earns for any merchant you choose.