Environments
Payloft provides two separate environments to help you develop and deploy your integration safely and effectively.
Environment Overview
Environment | Base URL | Purpose |
|---|---|---|
Test |
| For development, testing, and simulation using test credentials. |
Production |
| For live, real-world payment processing using production credentials. |
Test Environment
The Test environment is a sandbox where you can safely experiment with the Payloft API without affecting real users or funds.
Simulate different transaction outcomes, including:
Successful payments
Card declines
Authentication failures
Network errors
Use the test credentials provided after registration or available in your Payloft Dashboard.
Never use real card numbers in the Test environment. Refer to Test Cards for supported test card numbers.
Production Environment
Once you’ve completed integration and passed all required testing (SIT/UAT), switch to the Production environment to begin processing live transactions.
Use your production credentials, available under Settings → API Keys in the onboarding dashboard.
Only real transactions are processed here; do not use test credentials or simulate requests.