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For electronic payments, the communication link has to be reliable. Dedicated short-range communication (DSRC) is a proposed solution for the automatic debiting of vehicles in an electronic toll collection (ETC) system without disturbing the traffic flow. The requirements on the reliability of such a system are high, which implies that only large-scale simulations with a lot of detail are effective for analyzing occasional errors. In this paper, a hierarchical approach is worked out that allows such simulations of the communication link, with a 80% reduction of the computational effort compared to simulation with full detail.