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Show HN: Mock PSP API – simulate payments and webhooks

1 d_sai 0 9/4/2025, 1:01:11 AM

I’ve been tinkering on a side project: a mock PSP (Payment Service Provider) API.

It’s meant for developers who want to:

- test payment workflows without touching Stripe/Adyen/etc. - quickly simulate authorise / decline / capture states - practice handling webhook events in their apps

No signup needed — you can grab an API key in the console and start calling endpoints. Free tier: 100 requests/day.

Live console: https://paylab-ui.vercel.app/ Docs: https://paylab-ui.vercel.app/dashboard/docs

Right now MVP supports:

- POST /payment-intents - POST /payment-intents/:id/payments (supported payment statuses: initiated, authorising, authorised, declined, capturing, expired, captured, capture_failed) - GET /payment-intents/:id - Webhook subscription + delivery history

Would love your feedback!

What’s missing for it to be useful in your dev/test workflow? Should I add another API that you find more useful, or continue developing mock PSP API first?

Thanks!

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