Environments

Both use the same base URL, so moving to production means changing the key, not the host:

https://api.payinto.co/api/v1/business

Sandbox data is stored separately from live data. Customers, accounts, and transfers you create with a test key don't exist in production.

What's different in the sandboxCopy Anchor Link

• Accounts start funded. Your sandbox main account opens with a test balance.
• Transfers and bill payments succeed immediately and use simulated bank and biller responses.
• Bulk transfers run on the sandbox ledger. They're queued and processed like live ones, and they pay simulated recipients.
• Schedules run on the sandbox ledger at their scheduled times.
• Identity and BVN checks return simulated data. Don't test matching logic against them.
• Payinto Tags resolve to sandbox recipients only.
• Deposits are simulated. Use API Keys & Webhooks in the dashboard's test environment to send a test deposit to a virtual account.

Shared across environmentsCopy Anchor Link

The VAS catalog and the bank list are also shared across environments, because they are read-only reference data.

Going liveCopy Anchor Link

1. Ask Payinto to enable the live environment and the modules you need.
2. Add your servers' outbound IP addresses to your live key's allowlist.
3. Register your production webhook URL and secret.
4. Replace sk_test_ with sk_live_ in your server's configuration.
5. Call GET /whoami and confirm it returns environment: "live".