Skip to main content
Personal accounts are always live. Every card you create is real: it draws on your wallet balance when used, within your plan’s limits. There is no test mode to switch on or off, and no sandbox setting on your account. A TEST card comes from a connection that isn’t fully live. In practice that means an organization’s sandbox integration: a company you connected to (via their app or platform) that is still running on sandbox credentials, typically while they build their integration. (A stale connection whose app was deleted also falls back to TEST cards; reconnecting fixes that.) Cards created either way are clearly flagged:
Test cardLive card
NumberStarts 4242…Real card number
ChargesNever charged for realDraws on your wallet balance
Real merchantsNot usableUsable
Monthly quotaDoesn’t countCounts toward your plan

​
If you expected a live card and got a TEST one

  1. Connected through a company’s app or platform? Their integration is running in sandbox. Ask that company to move you to their production integration, or connect your agent directly to your own account instead.
  2. Old or broken connection? A connection whose app was deleted falls back to TEST cards. Remove the connection and connect your agent again to get a fresh live one.
  3. On a live connection, real cards need two one-time steps: identity verification (your agent walks you through it, or create_card returns a verification link) and a funded wallet (fund_wallet, Apple Pay or Google Pay).
See the Quickstart for the full flow from signup to first live card.