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Instant Payment Inbound

Docs > Payments > Guide to Testing in Staging > Instant Payment Inbound

You must have a minimum of two Deposit or Virtual Accounts set up within your Staging Environment to properly simulate an Inbound Instant Payment transaction. The first Account should be used to create an Outbound Instant Payment Send utilizing the account number of your second Account as the recipient, along with your bank’s Routing Number.

It should be noted that in the Staging environment only the following may be used to test with:

  • Your own created virtual accounts paired with your bank’s Routing Number
  • Your own deposit accounts paired with your bank’s Routing Number

For a list of your Deposit Account Numbers, please email support.jhorchestrator@jackhenry.com.

The Instant Payment Send payment on the first Account will start in “Pending” status but will shortly transition to “Success”. The Inbound Instant Payment on the second Deposit Account will start in “Created” status but will shortly transition to “Success”.

Instant Payment Overview: https://jackhenry.dev/payments-orchestrator/docs/payments/payments-1/instant-payments/
Instant Payment API Reference: https://jackhenry.dev/payments-orchestrator/reference/payments/#/Payments/createInstantPaymentSendRequest

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Last updated Tue Aug 18 2026