Adding Fake Funds for Testing

When you connect Spotflow to your app, you will need to test how your system handles incoming money—like what happens when a customer pays into a virtual account and how your system updates your balance. Since you cannot use real money during development, Spotflow provides a Funding Simulator Web App so you can safely send fake money to your test accounts.

Supported Ways to Add Test Funds

Spotflow lets you send fake funds to two types of accounts. The simulator automatically routes the money to your currency balances:

Account Type	What it is	How to test it
Virtual Accounts	Unique bank account numbers created for your customers.	Type in the customer’s test `accountNumber` to pretend they made a bank transfer.
Balances	Separate currency pockets that shows the main account for those currencies.	Enter the account balance to add money directly to a specific currency balance.
Payment links and Bank Transfers on Checkout	Separate currency pockets that shows the main account for those currencies.	Enter the account balance to add money directly to a specific currency balance.

Adding Test Funds Using the Web App

If you want to test incoming payments quickly without writing any code, you can use our live web funding simulator app: Launch Spotflow Funding Simulator

Steps to follow:

Get your details: Go to your Spotflow Dashboard (make sure you are in Test Mode) and copy a virtual account number that you created, or main account number in your separate currency balances.
Open the web app: Launch the Funding Simulator.
Fill out the form:
- Account Number: Paste the number you copied in Step 1.
- Currency: Pick your test currency (NGN, GHS only).
- Amount: Type in any number you want to send.
- Narration (Optional): Add a short note (like “test transfer”) to help you find it in your logs later.
Click Send: Hit Fund Account. The form will instantly clear out, and a message will pop up confirming it worked!

HOW TO CHECK IF IT WORKEDOnce the simulator says “Success!”, open your Spotflow Test Dashboard or check your app backend. The balance will update instantly, you’ll receive an email and your system will receive a webhook notification.

Testing Webhooks

Whenever you use the Funding Simulator to send a successful test payment, Spotflow will automatically send a notification payload to your webhook link set up on your dashboard. Look out for the account_credit_successful event name:

{
  "event": "account_credit_successful",
  "data": {
    "account": {
      "accountName": "Main NGN Account",
      "accountNumber": "04a6031a-ada4-4d25-9e49-1a9648f3fc17",
      "id": "04a6031a-ada4-4d25-9e49-1a9648f3fc17"
    },
    "amount": 105,
    "currency": "NGN",
    "description": "NIP/John Doe to SPOTFLOWMAIN NGN ACCOUNTSent 105 to Jollof Bank M/2264619087",
    "fee": 0,
    "id": "0676224b-59da-46ce-a1f9-f18b4337a2f9",
    "merchantId": "98wgbffb-a498-497c-9cfa-fd0412aa0410",
    "mode": "live",
    "reference": "API-VACT_TRA-30D70-8011ffbe-10af-4961-813f-cf9c4f5b6d70",
    "sender": {
      "accountName": "John Doe",
      "accountNumber": "1013339087",
      "bankName": "Jollof Bank"
    },
    "source": "virtual_account",
    "spotflowReference": "SPF-CRDT-98ij44a277c04225a31e5d397a34987y",
    "status": "successful",
    "transactionDate": "2026-05-20T10:31:39Z",
    "type": "credit"
  }
}

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Supported Ways to Add Test Funds

Adding Test Funds Using the Web App

Steps to follow:

Testing Webhooks

​Supported Ways to Add Test Funds

​Adding Test Funds Using the Web App

​Steps to follow:

​Testing Webhooks

Supported Ways to Add Test Funds

Adding Test Funds Using the Web App

Steps to follow:

Testing Webhooks