Launch guide
How to go live with real payments
The sandbox opens the moment you sign up. This checklist covers what has to be true before real money moves.
Updated October 7, 2026
Step by step
- 1Finish your integration in the sandboxRun the whole loop with sk_test_ keys: payments that succeed, fail and expire, and the webhooks that report each one.
- 2Submit business verificationUpload your registration documents and declare your beneficial owners. Every merchant is screened against sanctions lists and approved by two people.
- 3Read how you get paidCompleted payments land in your balance within a minute; only your first live payment is held for 0 hours. The developer docs explain your settlement options.
- 4Switch to live keysCreate an sk_live_ key and register a production webhook endpoint. The environment comes from the key alone.
- 5Make one small real payment firstPay yourself a small amount and follow it all the way to your balance before you announce. Networks set their own minimum amounts, so do not test with the smallest possible figure.
Frequently asked questions
What does it cost to go live?
Nothing up front: no setup fee and no monthly fee. You pay per successful transaction, with collections from 1.99% per successful collection.
Can I keep using the sandbox after going live?
Yes. Test and live keys work side by side, and each person on your team switches the dashboard between test and live data for themselves.
When is my money available?
Within a minute of completing. Only your first live payment is held for 0 hours before it becomes available in your balance.
Related guides
How to create a payment linkA payment link is a checkout page you can share anywhere: WhatsApp, social media, SMS, email or an invoice. No website and no code.How to integrate a mobile money APICollect mobile money from your own app with one REST API: test with sandbox keys, create a collection, then confirm it with a signed webhook.How to verify webhook signaturesEvery webhook from Capay Global is signed. Checking the signature takes a few lines and stops anyone from faking a payment completed event.
Start in the sandbox today
Free, unlimited and open the moment you sign up. Live payments open after business verification.