Webhook Simulators

Overview

Webhook simulators let you test offline payment flows in development without real money movement:

SPEI (STP/OPM): simulate bank deposits using a CLABE
PayCash: simulate a cash deposit using the PayCash reference
CIE Cash Net: simulate BBVA deposit reconciliation using the CIE reference

This accelerates development and lets you test both success and failure scenarios.

No Real Transfers

Test without moving real money

Instant Feedback

No waiting for actual bank processing

Test Failures

Simulate failed payments and refunds

Full Webhooks

Receive the same webhooks as production

How It Works

Create SPEI Payment

Create a SPEI payment using the payments API. The payment will be in PENDING_CAPTURE status with a CLABE assigned.

Trigger Simulator

Call the simulator endpoint with the CLABE and desired action (pass or fail).

Receive Webhook

Your webhook endpoint receives the same payment status change webhook as production.

Available Simulators

STP Simulator

POST /ps/webhook/stp/simulator
Content-Type: application/json

Availability: Development environment only Request Body:

{
  "clabe": "646180157000000001",
  "action": "pass"
}

OPM Simulator

POST /ps/webhook/opm/simulator
Content-Type: application/json

Availability: Development environment only Request Body:

{
  "clabe": "684180338000000186",
  "action": "pass"
}

PayCash Simulator

POST /ps/webhook/paycash/simulator
Content-Type: application/json

Availability: Development environment only Request Body:

{
  "reference": "7041621293386809",
  "action": "pass"
}

Field	Description
`reference`	`paymentMethod.paycashDetails.reference` from the payment order response
`action`	`pass` (capture) or `fail` (simulated capture failure)

PayCash does not auto-complete in sandbox like SPEI. Use this simulator (or a full deposit webhook flow) to move the payment to CAPTURED and receive payment.capture.success on your merchant webhook.

CIE Cash Net Simulator

POST /ps/webhook/cie-cash-net/simulator
Content-Type: application/json

Availability: Development environment only Request Body:

{
  "reference": "01234567",
  "action": "pass"
}

Field	Description
`reference`	`paymentMethod.cieDetails.reference` from the payment order response
`action`	`pass` (capture) or `fail` (simulated capture failure)

CIE Cash Net does not auto-complete in sandbox like SPEI. Use this simulator to mimic BBVA reconciliation, move the payment to CAPTURED, and receive payment.capture.success on your merchant webhook.

Available Actions

Payment Capture

Action	Description	Payment Status
`pass`	Simulates successful deposit	`CAPTURED`
`fail`	Simulates deposit with wrong amount	`FAILED`

Refunds (SPEI only)

Action	Description	Payment Status
`refund-pass`	Simulates successful refund	`REFUNDED`
`refund-fail`	Simulates failed refund	`PENDING_REFUND` (unchanged)

Testing Payment Capture

Step 1: Create a SPEI Payment

curl -X POST https://api.cheqpay.dev/pos/v2/payment-orders \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "order_123",
    "customer": {
      "firstName": "John",
      "lastName": "Doe",
      "email": "john@example.com"
    },
    "amount": 10000,
    "currency": "MXN",
    "description": "SPEI test payment",
    "paymentMethod": {
      "type": "spei"
    }
  }'

Response:

{
  "paymentOrder": {
    "id": "ord_abc123",
    "externalId": "order_123",
    "amount": 10000,
    "currency": "MXN",
    "status": "PENDING",
    "description": "SPEI test payment"
  },
  "customer": {
    "id": "cus_xyz789",
    "firstName": "John",
    "lastName": "Doe",
    "email": "john@example.com"
  },
  "paymentMethod": {
    "type": "spei",
    "speiDetails": {
      "clabe": "646180157000000001"
    }
  }
}

Save the CLABE from paymentMethod.speiDetails.clabe. You’ll need it to trigger the simulator.

Step 2: Simulate Successful Deposit

curl -X POST https://api.cheqpay.dev/ps/webhook/stp/simulator \
  -H "Content-Type: application/json" \
  -d '{
    "clabe": "646180157000000001",
    "action": "pass"
  }'

Response:

{
  "success": true,
  "message": "Webhook for CLABE 646180157000000001 simulated successfully with action pass"
}

Step 3: Receive Webhook

Your webhook endpoint will receive a payment.capture.success event:

{
  "id": "evt_xyz789",
  "event": "payment.capture.success",
  "data": {
    "paymentOrder": {
      "id": "order_123"
    },
    "paymentMethod": {
      "type": "spei",
      "options": {
        "clabe": "646180157000000001"
      }
    },
    "amount": "10000",
    "currency": "MXN",
    "status": "CAPTURED"
  }
}

Testing PayCash Capture

Step 1: Create a PayCash Payment Order

curl -X POST https://api.cheqpay.dev/pos/v2/payment-orders \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "order_paycash_123",
    "customer": {
      "firstName": "Laura",
      "lastName": "Ramirez",
      "email": "laura@example.com"
    },
    "amount": 10000,
    "currency": "MXN",
    "description": "PayCash test payment",
    "paymentMethod": {
      "type": "paycash"
    }
  }'

PayCash amount limit: For now, PayCash orders are supported up to 20,000 MXN only. Amounts in the API are in centavos, so the maximum amount for MXN is 2000000 (20,000.00 MXN). Use card or SPEI for higher values.

Response:

{
  "paymentOrder": {
    "id": "ord_paycash_123",
    "externalId": "order_paycash_123",
    "amount": 10000,
    "currency": "MXN",
    "status": "PENDING",
    "description": "PayCash test payment"
  },
  "customer": {
    "id": "cus_abc123",
    "firstName": "Laura",
    "lastName": "Ramirez",
    "email": "laura@example.com"
  },
  "paymentMethod": {
    "type": "paycash",
    "paycashDetails": {
      "reference": "7041621293386809"
    }
  }
}

Save the reference from paymentMethod.paycashDetails.reference. You’ll need it to trigger the simulator.

Step 2: Simulate Successful Deposit

curl -X POST https://api.cheqpay.dev/ps/webhook/paycash/simulator \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "7041621293386809",
    "action": "pass"
  }'

Response:

{
  "success": true,
  "message": "PayCash webhook for reference 7041621293386809 simulated with action pass"
}

Step 3: Receive Webhook

Your webhook endpoint receives payment.capture.success with data.paymentMethod.options.paycash.reference set to the same reference:

{
  "id": "evt_paycash_001",
  "event": "payment.capture.success",
  "data": {
    "paymentOrder": {
      "id": "ord_paycash_123",
      "merchantReference": "order_paycash_123",
      "externalId": "order_paycash_123"
    },
    "customer": {
      "id": "cus_abc123",
      "externalId": "customer-2001"
    },
    "paymentMethod": {
      "type": "paycash",
      "options": {
        "paycash": {
          "reference": "7041621293386809"
        }
      }
    },
    "amount": "10000",
    "currency": "MXN",
    "createdAt": "2026-05-22T12:45:00.000Z"
  }
}

You may receive payment.auth.pending earlier while the payment is still PENDING_CAPTURE. Fulfill the order only after payment.capture.success.

Testing CIE Cash Net Capture

Step 1: Create a CIE Cash Net Payment Order

curl -X POST https://api.cheqpay.dev/pos/v2/payment-orders \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "order_cie_123",
    "customer": {
      "firstName": "Ana",
      "lastName": "López",
      "email": "ana@example.com"
    },
    "amount": 10000,
    "currency": "MXN",
    "description": "CIE Cash Net test payment",
    "paymentMethod": {
      "type": "cie_cash_net"
    }
  }'

Response:

{
  "paymentOrder": {
    "id": "ord_cie_123",
    "externalId": "order_cie_123",
    "amount": 10000,
    "currency": "MXN",
    "status": "PENDING",
    "description": "CIE Cash Net test payment"
  },
  "customer": {
    "id": "cus_abc123",
    "firstName": "Ana",
    "lastName": "López",
    "email": "ana@example.com"
  },
  "paymentMethod": {
    "type": "CIE_CASH_NET",
    "cieDetails": {
      "reference": "01234567",
      "convenio": "1234567",
      "clabe": "012345678901234567"
    }
  }
}

Save the reference from paymentMethod.cieDetails.reference. You’ll need it to trigger the simulator.

Step 2: Simulate Successful Reconciliation

curl -X POST https://api.cheqpay.dev/ps/webhook/cie-cash-net/simulator \
  -H "Content-Type: application/json" \
  -d '{
    "reference": "01234567",
    "action": "pass"
  }'

Response:

{
  "success": true,
  "message": "CIE Cash Net webhook for reference 01234567 simulated with action pass"
}

Step 3: Receive Webhook

Your webhook endpoint receives payment.capture.success with data.paymentMethod.options.cieCashNet set to the same reference, convenio, and CLABE:

{
  "id": "evt_cie_001",
  "event": "payment.capture.success",
  "data": {
    "paymentOrder": {
      "id": "ord_cie_123",
      "merchantReference": "order_cie_123",
      "externalId": "order_cie_123"
    },
    "customer": {
      "id": "cus_abc123",
      "externalId": "customer-301"
    },
    "paymentMethod": {
      "type": "cie_cash_net",
      "options": {
        "cieCashNet": {
          "reference": "01234567",
          "convenio": "1234567",
          "clabe": "012345678901234567"
        }
      }
    },
    "amount": "10000",
    "currency": "MXN",
    "createdAt": "2026-05-22T14:30:00.000Z"
  }
}

Testing Failed Payments

Simulate a failed payment to test error handling:

curl -X POST https://api.cheqpay.dev/ps/webhook/stp/simulator \
  -H "Content-Type: application/json" \
  -d '{
    "clabe": "646180157000000001",
    "action": "fail"
  }'

Your webhook will receive a payment.capture.failed event with the payment status as FAILED.

The simulator sends a deposit with an incorrect amount (0.0001), which causes the payment to fail. This matches how real bank transfers can fail due to amount mismatches.

Testing Refunds

Step 1: Request a Refund

First, create a refund for a captured payment:

curl -X POST https://api.cheqpay.dev/pos/v2/payment-orders/{id}/refund \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "10000",
    "reason": "Customer requested refund"
  }'

The payment status changes to PENDING_REFUND.

Step 2: Simulate Refund Processing

curl -X POST https://api.cheqpay.dev/ps/webhook/stp/simulator \
  -H "Content-Type: application/json" \
  -d '{
    "clabe": "646180157000000001",
    "action": "refund-pass"
  }'

Step 3: Receive Refund Webhook

Your webhook endpoint will receive a payment.refund.success event with the payment status as REFUNDED.

Simulator Behavior

Multiple Pending Payments

If you have multiple payments with the same CLABE in PENDING_CAPTURE status:

The simulator sums all pending amounts
Simulates a single deposit for the total amount
All pending payments are captured

Already Captured Payments

If the payment is already CAPTURED:

The simulator detects it’s already processed
Sends a webhook to your endpoint anyway (useful for testing webhook retry logic)
Returns success: true

Payment Not Found

If no payment matches the CLABE and status:

{
  "success": false,
  "message": "No pending payment found for CLABE 646180157000000001"
}

STP vs OPM Differences

Feature	STP	OPM
Simulator Availability	Development only	Development only
Endpoint	`/webhook/stp/simulator`	`/webhook/opm/simulator`
Example CLABE	`646180157000000001`	`684180338000000186`

STP and OPM simulators share the same actions and behavior; choose the one that matches your payment order’s SPEI provider (STP vs OPM CLABE prefix).

Complete Test Flow Example

Here’s a complete example testing a payment failure and retry:

Create Payment

curl -X POST https://api.cheqpay.dev/pos/v2/payment-orders \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -d '{"paymentMethod": {"type": "SPEI", ...}}'

Payment status: PENDING_CAPTURE

Simulate Failure

curl -X POST https://api.cheqpay.dev/ps/webhook/stp/simulator \
  -d '{"clabe": "646180157000000001", "action": "fail"}'

Payment status: FAILEDYour webhook receives: payment.capture.failed

Customer Retries

Create a new payment with the same CLABEPayment status: PENDING_CAPTURE

Simulate Success

curl -X POST https://api.cheqpay.dev/ps/webhook/stp/simulator \
  -d '{"clabe": "646180157000000001", "action": "pass"}'

Payment status: CAPTUREDYour webhook receives: payment.capture.success

Best Practices

Test Both Success and Failure

Always test both pass and fail scenarios to ensure your error handling works correctly.

Use Unique CLABEs

Use different CLABEs for different test scenarios to avoid confusion.

Test Webhook Handling

Verify your webhook endpoint correctly processes all payment status changes.

Test Idempotency

Trigger the simulator multiple times with the same CLABE to test duplicate webhook handling.

Common Testing Scenarios

Scenario 1: Successful Payment Flow

Test the happy path from payment creation to capture:

# 1. Create payment
curl -X POST .../payment-orders -d '{...}'

# 2. Simulate successful deposit
curl -X POST .../webhook/stp/simulator -d '{"action": "pass", ...}'

# 3. Verify webhook received
# 4. Verify order fulfilled in your system

Scenario 2: Payment Failure

Test error handling when deposits fail:

# 1. Create payment
curl -X POST .../payment-orders -d '{...}'

# 2. Simulate failed deposit
curl -X POST .../webhook/stp/simulator -d '{"action": "fail", ...}'

# 3. Verify failure webhook received
# 4. Verify customer notified in your system

Scenario 3: Refund Flow

Test complete refund processing:

# 1. Create and capture payment (action: "pass")
# 2. Request refund
curl -X POST .../payments/{id}/refund -d '{...}'

# 3. Simulate refund success
curl -X POST .../webhook/stp/simulator -d '{"action": "refund-pass", ...}'

# 4. Verify refund webhook received
# 5. Verify customer refund processed

Limitations

The simulator has some limitations compared to production:

No signature verification: Simulator doesn’t validate webhook secrets
Development only: STP, OPM, PayCash, and CIE Cash Net simulators only work in the development environment
Instant processing: Real bank transfers can take hours; simulator is instant
No reconciliation events: Internal reconciliation webhooks aren’t triggered

Next Steps

Webhooks Guide

Learn how to handle production webhooks

SPEI Payments

Understand SPEI payment flows

PayCash Payments

Understand PayCash payment flows

CIE Cash Net Payments

Understand CIE Cash Net payment flows

Testing Guide

Complete testing best practices

Error Handling

Handle payment failures gracefully

​Overview

No Real Transfers

Instant Feedback

Test Failures

Full Webhooks

​How It Works

​Available Simulators

​STP Simulator

​OPM Simulator

​PayCash Simulator

​CIE Cash Net Simulator

​Available Actions

​Payment Capture

​Refunds (SPEI only)

​Testing Payment Capture

​Step 1: Create a SPEI Payment

​Step 2: Simulate Successful Deposit

​Step 3: Receive Webhook

​Testing PayCash Capture

​Step 1: Create a PayCash Payment Order

​Step 2: Simulate Successful Deposit

​Step 3: Receive Webhook

​Testing CIE Cash Net Capture

​Step 1: Create a CIE Cash Net Payment Order

​Step 2: Simulate Successful Reconciliation

​Step 3: Receive Webhook

​Testing Failed Payments

​Testing Refunds

​Step 1: Request a Refund

​Step 2: Simulate Refund Processing

​Step 3: Receive Refund Webhook

​Simulator Behavior

​Multiple Pending Payments

​Already Captured Payments

​Payment Not Found

​STP vs OPM Differences

​Complete Test Flow Example

​Best Practices

​Common Testing Scenarios

​Scenario 1: Successful Payment Flow

​Scenario 2: Payment Failure

​Scenario 3: Refund Flow

​Limitations

​Next Steps

Webhooks Guide

SPEI Payments

PayCash Payments

CIE Cash Net Payments

Testing Guide

Error Handling

Overview

How It Works

Available Simulators

STP Simulator

OPM Simulator

PayCash Simulator

CIE Cash Net Simulator

Available Actions

Payment Capture

Refunds (SPEI only)

Testing Payment Capture

Step 1: Create a SPEI Payment

Step 2: Simulate Successful Deposit

Step 3: Receive Webhook

Testing PayCash Capture

Step 1: Create a PayCash Payment Order

Step 2: Simulate Successful Deposit

Step 3: Receive Webhook

Testing CIE Cash Net Capture

Step 1: Create a CIE Cash Net Payment Order

Step 2: Simulate Successful Reconciliation

Step 3: Receive Webhook

Testing Failed Payments

Testing Refunds

Step 1: Request a Refund

Step 2: Simulate Refund Processing

Step 3: Receive Refund Webhook

Simulator Behavior

Multiple Pending Payments

Already Captured Payments

Payment Not Found

STP vs OPM Differences

Complete Test Flow Example

Best Practices

Common Testing Scenarios

Scenario 1: Successful Payment Flow

Scenario 2: Payment Failure

Scenario 3: Refund Flow

Limitations

Next Steps