> ## Documentation Index
> Fetch the complete documentation index at: https://developers.circle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create a mock wire repayment

> In the sandbox environment, initiate a mock wire repayment that simulates an incoming wire payment to repay an outstanding credit transfer. The fiat account will be automatically linked as a repayment account if not already linked.



## OpenAPI

````yaml openapi/credit.yaml post /v1/credit/mocks/repayments
openapi: 3.0.2
info:
  version: ${version}
  title: Credit API
  description: >
    The Circle Credit API provides access to credit facilities including Line of
    Credit and Settlement Advance products.


    **Line of Credit** enables direct drawdowns with auto-approval and
    asynchronous disbursement. Supports both fiat and crypto repayment.


    **Settlement Advance** requires a reserve-then-request flow with manual
    approval. Requires wire proof upload for disbursement approval. Supports
    fiat repayment only.
servers:
  - url: https://api-sandbox.circle.com
  - url: https://api.circle.com
security: []
tags:
  - name: Credit
    description: Get credit line details.
  - name: Credit Transfers
    description: Create, reserve, and manage credit transfers (drawdowns).
  - name: Credit Fees
    description: View fees charged on credit transfers.
  - name: Credit Repayments
    description: View and initiate repayments on credit transfers.
paths:
  /v1/credit/mocks/repayments:
    post:
      tags:
        - Credit Repayments
      summary: Create a mock wire repayment
      description: >-
        In the sandbox environment, initiate a mock wire repayment that
        simulates an incoming wire payment to repay an outstanding credit
        transfer. The fiat account will be automatically linked as a repayment
        account if not already linked.
      operationId: createMockWireRepayment
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/MockWireRepaymentCreationRequest'
      responses:
        '201':
          description: Successfully created a mock wire repayment.
          headers:
            X-Request-Id:
              $ref: '#/components/headers/XRequestId'
          content:
            application/json:
              schema:
                title: CreateMockWireRepaymentResponse
                properties:
                  data:
                    $ref: '#/components/schemas/MockWireRepayment'
              examples:
                response:
                  value:
                    data:
                      trackingRef: CIR3AZQ4GS
                      amount:
                        amount: '3.14'
                        currency: USD
                      status: pending
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/NotAuthorized'
        '404':
          $ref: '#/components/responses/NotFound'
      security:
        - bearerAuth: []
components:
  schemas:
    MockWireRepaymentCreationRequest:
      type: object
      required:
        - fiatAccountId
        - amount
      properties:
        fiatAccountId:
          type: string
          format: uuid
          description: >-
            The ID of the wire bank account to use for the mock repayment. This
            is the same ID returned by the wire bank accounts endpoint.
          example: be863d4a-928f-4f54-9af0-c94f5a80ce49
        amount:
          $ref: '#/components/schemas/FiatMoneyUsd'
    MockWireRepayment:
      type: object
      properties:
        trackingRef:
          type: string
          description: >-
            Wire tracking reference derived from the repayment account's wire
            instructions.
          example: CIR3AZQ4GS
        amount:
          $ref: '#/components/schemas/FiatMoneyUsd'
        status:
          type: string
          description: >-
            Status of the mock wire repayment. Status `pending` indicates that
            the repayment is being processed.
          enum:
            - pending
    FiatMoneyUsd:
      type: object
      required:
        - amount
        - currency
      properties:
        amount:
          description: Magnitude of the amount, in units of the currency, with a `.`.
          type: string
          example: '3.14'
        currency:
          description: Currency code.
          type: string
          enum:
            - USD
  headers:
    XRequestId:
      description: >-
        Universally unique identifier (UUID v4) for the request. Helpful for
        identifying a request when communicating with Circle support.
      schema:
        type: string
        format: uuid
        example: 2adba88e-9d63-44bc-b975-9b6ae3440dde
  responses:
    BadRequest:
      description: The request cannot be processed due to a client error.
      headers:
        X-Request-Id:
          $ref: '#/components/headers/XRequestId'
      content:
        application/json:
          schema:
            type: object
            title: BadRequest
            required:
              - code
              - message
            properties:
              code:
                type: integer
                example: 400
              message:
                type: string
                example: Something went wrong.
            example:
              code: 400
              message: Bad request.
          examples:
            response:
              value:
                code: 400
                message: Bad request.
    NotAuthorized:
      description: >-
        The request has not been applied because it lacks valid authentication
        credentials.
      headers:
        X-Request-Id:
          $ref: '#/components/headers/XRequestId'
      content:
        application/json:
          schema:
            type: object
            title: NotAuthorized
            required:
              - code
              - message
            properties:
              code:
                type: integer
                example: 400
              message:
                type: string
                example: Something went wrong.
            example:
              code: 401
              message: Malformed authorization.
          examples:
            response:
              value:
                code: 401
                message: Malformed authorization.
    NotFound:
      description: The specified resource was not found.
      headers:
        X-Request-Id:
          $ref: '#/components/headers/XRequestId'
      content:
        application/json:
          schema:
            type: object
            title: NotFound
            required:
              - code
              - message
            properties:
              code:
                type: integer
                example: 400
              message:
                type: string
                example: Something went wrong.
            example:
              code: 404
              message: Not found.
          examples:
            response:
              value:
                code: 404
                message: Not found.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer

````