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Overview

Our API and Dashboard can both operate in two fully separated environments: Live and Test. Each is completely isolated, so activity in one environment never impacts the other. This separation allows you to build, test, and launch with complete confidence. API Endpoint: 
https://api.monime.io/
The endpoint is the same for both Live and Test environments. Which environment you interact with depends on your access token — not the URL.

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Test Environment

The test environment offers a full simulation of our API, allowing you to build and validate your integration without touching real money or networks.
  • Tokens: During token creation, if test mode is enabled, the token will be prefixed with mon_test_
  • Data & Networks: Sandbox accounts and simulated payment rails
  • Use case: Development, integration testing, and QA

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Live Environment

The live environment connects directly to real payment networks, processing actual funds and transactions. Use it only when your integration is fully tested and production-ready.
  • Tokens: All live tokens are generated with the prefix mon_ NOT mon_test_
  • Data & Networks: Real accounts, banks, mobile money providers, card networks, and wallets
  • Use case: Production operations and live customer payments

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How Environments Are Chosen

  • API environment → Determined by the access token:
    • mon_... → Live environment
    • mon_test_... → Test environment
  • Dashboard environment → Controlled by the Live/Test toggle in the Space dashboard.
Dashboard Environment Switching This all means:
  • The Base API URL and the Space dashboard URL never change.
  • Switching between environments is as simple as swapping tokens or toggling your dashboard mode.

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Webhooks

Webhooks are also environment-specific:
  • A webhook in Live only receives live events.
  • A webhook in Test only receives test events.
This keeps your sandbox activity and production event flow completely separate.