> ## Documentation Index
> Fetch the complete documentation index at: https://docs.morapay.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Environments

> Morapay separates **TEST** and **LIVE** at the API key level.

## TEST vs LIVE

|            | TEST                      | LIVE                |
| ---------- | ------------------------- | ------------------- |
| Public key | `pk_test_*`               | `pk_live_*`         |
| Secret key | `sk_test_*`               | `sk_live_*`         |
| Funds      | Simulated / sandbox rails | Real money movement |
| Dashboard  | TEST mode toggle          | LIVE mode toggle    |

Use TEST keys for integration development.<br />Rotate to LIVE only after checkout, webhooks, and payout flows are verified.

## API hosts

| Service                        | Production default            | Local dev               |
| ------------------------------ | ----------------------------- | ----------------------- |
| **Morapay API**                | `https://api.morapay.io`      |                         |
| **Checkout** (hosted + widget) | `https://checkout.morapay.io` | `http://localhost:3002` |

SDK options:

```typescript theme={null}
const morapay = new Morapay({
  publicKey: process.env.MORAPAY_PUBLIC_KEY!,
  secretKey: process.env.MORAPAY_SECRET_KEY!,
});
```

All merchant resources live under **`/api/v1/merchant`** on the Morapay API.

## Architecture

```mermaid theme={null}
flowchart LR
  MerchantApp["Your server\n(@morapay/sdk)"]
  API["Morapay API\n/api/v1/merchant"]
  Checkout["Checkout host\n/widget"]

  MerchantApp -->|HMAC signed| API
  MerchantApp -->|URL helpers| Checkout
```

All signing, webhooks, payment links, subscriptions, and disbursements are served from [https://api.morapay.io](https://api.morapay.io).

## Response envelope

All Morapay API JSON responses follow:

```json theme={null}
{ "success": true, "data": { ... }, "meta": { "page": 1, "limit": 20, "total": 42 } }
```

Errors include consultant fields. See [Error handling](/errors/error-handling).

## Next step

[Payment links](/concepts/payment-links): your first revenue primitive.