Environments

Live

• Prefix hpay_live_ — create under Merchant → API keys (Business plan + approved merchant application)
• Creates real virtual accounts and moves real NGN when funded/released
• Managed delivery (rates / attach / retry) books real carrier pickups when delivery_mode is managed
• Webhook registration requires live merchant access

Test (sandbox)

• Prefix hpay_test_ — create free from Settings → API sandbox (no Business plan; max 3 active)
• Same /api/public/v1 base URL
• No real money: initiate/charge return a sandbox virtual account (HarrenaPay Sandbox Bank) — partner funding providers are never called
• Mark paid with POST /api/public/v1/escrow/{reference}/simulate-fund using the same test key
• Managed logistics attach/retry returns 403
• Webhook registration is allowed for integration testing
• Minimum escrow amount is still ₦10,000 (same as live)

Same base URL

There is no separate sandbox host. Behavior is selected by the key prefix (hpay_test_ vs hpay_live_).

Hosted checkout

Merchant checkouts use /checkout/{reference} on your deployed origin. Sandbox checkouts show a sandbox bank account; call simulate-fund from your integration to complete the payment flow.