# Simulate full financial transaction

**POST** `/simulate/issuing/cards/{card_id}/card-transactions/financial`

Simulate a full financial transaction for a sandbox card. Full financial transactions capture funds immediately without
a prior authorization hold, as with transit taps, low-value purchases, and offline transactions. Simulated full
financial transactions don't call your real-time authorization endpoint, but card status, authorization policy, and
balance checks still apply and can decline them.

The cardholder is always billed in `USD`; when `merchant_currency` is not `USD`, provide `cardholder_fx_rate`.

### Path Parameters

- `card_id` `string` _(required)_ — Unique identifier for the card.

### Body Parameters

- `cardholder_amount` `number` _(required)_ — Transaction amount in the merchant's currency, expressed in the smallest currency unit.
  For example, 1000 represents 10.00 `EUR`. When `merchant_currency` is not `USD`,
  this amount is multiplied by `cardholder_fx_rate` to derive the `USD` billing amount.
  Must not exceed 999999999999.
- `cardholder_fx_rate` `string` — Foreign exchange rate to convert from merchant currency to `USD` (cardholder billing currency),
  as a decimal string. Required when `merchant_currency` is not `USD`.
  For example, if `merchant_currency` is `EUR` and `cardholder_fx_rate` is `"1.10"`,
  a 10.00 `EUR` transaction will result in an 11.00 `USD` cardholder charge.
- `merchant_currency` `string` _(required)_ — Merchant's currency code in ISO 4217 format.

**Request**

```shell
curl 'https://api.column.com/simulate/issuing/cards/<card_id>/card-transactions/financial' \
  -XPOST \
  -u :<YOUR API KEY> \
  -H 'Content-Type: application/json' \
  -d '{
  "cardholder_amount": 1000,
  "merchant_currency": "EUR",
  "cardholder_fx_rate": "1.10"
}'
```

**Response 200**

```json
{
  "card_account_id": "cacc_2x8gszy5folpA9s0TOCseE9ABDM",
  "card_id": "card_2x8gszy5folpA9s0TOCseE9ABDM",
  "card_program_id": "cpgm_2x8gszy5folpA9s0TOCseE9ABDM",
  "created_at": "2024-01-15T09:30:00Z",
  "id": "ctxn_2x8gszy5folpA9s0TOCseE9ABDM"
}
```