curl --request POST \
  --url https://access.utgl.io/v1/cards/simulate-decline \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "cardAccountId": "c8e2752d-6bd7-4244-a9f6-580f5640eaeb",
  "cardId": "c8e2752d-6bd7-4244-a9f6-580f5640eaec",
  "amount": 100,
  "currency": "HKD"
}
'

import requests

url = "https://access.utgl.io/v1/cards/simulate-decline"

payload = {
    "cardAccountId": "c8e2752d-6bd7-4244-a9f6-580f5640eaeb",
    "cardId": "c8e2752d-6bd7-4244-a9f6-580f5640eaec",
    "amount": 100,
    "currency": "HKD"
}
headers = {
    "Authorization": "Basic <encoded-value>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Basic <encoded-value>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    cardAccountId: 'c8e2752d-6bd7-4244-a9f6-580f5640eaeb',
    cardId: 'c8e2752d-6bd7-4244-a9f6-580f5640eaec',
    amount: 100,
    currency: 'HKD'
  })
};

fetch('https://access.utgl.io/v1/cards/simulate-decline', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://access.utgl.io/v1/cards/simulate-decline",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'cardAccountId' => 'c8e2752d-6bd7-4244-a9f6-580f5640eaeb',
    'cardId' => 'c8e2752d-6bd7-4244-a9f6-580f5640eaec',
    'amount' => 100,
    'currency' => 'HKD'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Basic <encoded-value>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://access.utgl.io/v1/cards/simulate-decline"

	payload := strings.NewReader("{\n  \"cardAccountId\": \"c8e2752d-6bd7-4244-a9f6-580f5640eaeb\",\n  \"cardId\": \"c8e2752d-6bd7-4244-a9f6-580f5640eaec\",\n  \"amount\": 100,\n  \"currency\": \"HKD\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Basic <encoded-value>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://access.utgl.io/v1/cards/simulate-decline")
  .header("Authorization", "Basic <encoded-value>")
  .header("Content-Type", "application/json")
  .body("{\n  \"cardAccountId\": \"c8e2752d-6bd7-4244-a9f6-580f5640eaeb\",\n  \"cardId\": \"c8e2752d-6bd7-4244-a9f6-580f5640eaec\",\n  \"amount\": 100,\n  \"currency\": \"HKD\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://access.utgl.io/v1/cards/simulate-decline")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Basic <encoded-value>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"cardAccountId\": \"c8e2752d-6bd7-4244-a9f6-580f5640eaeb\",\n  \"cardId\": \"c8e2752d-6bd7-4244-a9f6-580f5640eaec\",\n  \"amount\": 100,\n  \"currency\": \"HKD\"\n}"

response = http.request(request)
puts response.read_body

{
  "cardTransactionId": "8188d920-2c17-4aba-aa24-6a25f8c12ddb"
}