Environments

Understand test and live environments in IvoryPay.

IvoryPay provides two fully isolated environments so you can develop and test your integration without risking real funds.

TEST environment

• Use your test API key (prefixed with sk_test_)

• No real money is moved — transactions are simulated

• Virtual accounts and bank transfers are mocked

• Webhooks are still delivered to your configured URL

• Use this environment during development and QA

Simulating payments in TEST mode

In test mode, you can simulate fiat payments and crypto deposits using the simulation endpoints:

# Simulate a fiat payment for an on-ramp transaction
curl -X POST https://ramp-api.ivorypay.io/api/v1/transactions/simulate-payment \
  -H "x-api-key: sk_test_xxxxxxxxxxxxxxxxxxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{ "reference": "your-transaction-reference-uuid" }'

This triggers the same webhook events as a real payment, allowing you to test your full integration flow.

LIVE environment

• Use your live API key (prefixed with sk_live_)

• Real fiat and crypto are transferred

• Bank account verification, KYC, and compliance checks are enforced

• Ensure your integration is fully tested before switching to live

Switching environments

Simply swap the API key in your request headers. The base URL remains the same for both environments:

https://ramp-api.ivorypay.io/api/v1

Test and live data are completely isolated. Customers, transactions, and virtual accounts created in test mode are not visible in live mode and vice versa.

Environment comparison

Feature	TEST	LIVE
Real money transfers	No	Yes
Webhook delivery	Yes	Yes
Bank account resolution	Simulated	Real verification
Virtual accounts	Simulated	Real bank accounts
Crypto payouts	Simulated	On-chain transactions
Payment simulation	Available	Not available
Rate limits	Same as live	Production limits