# Virtual Cards Simulator

The **Virtual Cards Simulator SDK** provides a way to simulate the use of virtual cards at merchants. You can test the behavior of your application's handling of virtual card authorizations, debits, refunds and reversals with a pre-defined set of merchants.

## Key Features

|                            |                                                                                                                                                                                    |
| -------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Authorizations             | Create a simulated authorization of a payment that will allow a virtual card to be debited up to a fixed amount.                                                                   |
| Incremental Authorizations | Simulate the increase of the amount of a payment authorization.                                                                                                                    |
| Authorization Expiry       | Simulate an authorization expiring.                                                                                                                                                |
| Debit                      | Simulate a debit by a merchant against a virtual card associated with an authorization.                                                                                            |
| Refund                     | Simulate a refund of a debit by a merchant.                                                                                                                                        |
| Reversal                   | Simulate the reversal of a debit.                                                                                                                                                  |
| Merchants                  | Use a set of merchants pre-defined in the simulator. These merchants have a variety of merchant category codes to simulate users purchasing different types of goods and services. |
| Conversion Rates           | Use a set of currency conversion rates pre-defined in the simulator.                                                                                                               |
|                            |                                                                                                                                                                                    |

## Next Steps

* Integrate the **Virtual Cards Simulator SDK** into your [web](/guides/virtual-cards-simulator/untitled.md#integrate-the-js-sdk), [iOS](/guides/virtual-cards-simulator/untitled.md#integrate-the-ios-sdk) or [Android](/guides/virtual-cards-simulator/untitled.md#integrate-the-android-sdk) applications.
* Learn more about [Sudo digital identities](/concepts/sudo-digital-identities.md) and other core concepts.


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