Environments

Payoes separates sandbox and production environments so you can test on Stellar testnet before accepting real funds on mainnet.

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Overview

Your organization environment is shown in the dashboard header. Sandbox mode displays a visible banner.

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How environment is determined

• API keys carry an environment. A pk_test_ key always creates sandbox payments; pk_live_ creates production payments.
• Dashboard actions use the organization’s current environment setting.
• Settlement wallets are configured per environment. You need a separate wallet for sandbox and production.

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Testing on testnet

1. Create a sandbox API key
2. Fund a testnet wallet from Stellar Laboratory Faucet
3. Create a payment and complete checkout on testnet
4. Verify tx_hash on Stellar Expert (testnet)

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Moving to production

Production mode accepts real mainnet payments. Before going live you must complete identity verification through Persona.

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Identity verification and production gate

1. Open Settings → Production in the dashboard
2. Choose Personal or Business and describe what you do (business description required for business accounts)
3. Complete the Persona flow (government ID + selfie/liveness)
4. Persona automatically approves or declines — no Payoes admin review
5. Configure a production settlement wallet with a mainnet address
6. Switch the organization to production mode

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Additional checklist

1. Ensure the production wallet has a USDC trustline if accepting USDC
2. Create a pk_live_ API key
3. Update STELLAR_MAINNET_USDC_ISSUER on your Payoes deployment
4. Update your integration to use production keys and mainnet checkout URLs

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Expiration

Payments expire after expires_in_minutes (default 60, max 10080). Expired payments receive status expired and trigger a payment.expired webhook if configured.