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Sandbox vs Production

The tables below list the key differences between Atelio's sandbox and live environments:

API URLs​

Atelio Studio​

The following core platform constructs use the following API URLs:

  • Card management
  • Deposit account management
  • Money movement
EnvironmentURL
Productionhttps://api.atelio.com/api/v0.1/
Sandboxhttps://sandbox.atelio.com/api/v0.1/

Embedded app​

The following products use the following API URLs:

  • Commercial embedded card servicing app
  • Commercial embedded onboarding app
  • Consumer embedded CBC app
  • Pay by Bank

Token generation​

EnvironmentURL
Productionhttps://api.embedded.atelio.com/api/auth/token
Sandboxhttps://api-sandbox.embedded.atelio.com/api/auth/token

Front end​

EnvironmentURL
Productionhttps://embedded.atelio.com
Sandboxhttps://embedded-sandbox.atelio.com

Identity​

EnvironmentURL
Productionhttps://api.prod.live.atelio.com/identity/v0.1
Sandboxhttps://api.sandbox.atelio.com/identity/v0.1

Features​

Accounts and Credit​

FeatureSupported in SandboxSupported in Production
Create, submit, and update a credit application✅✅
Create an account✅✅
Create a secured charge card✅✅
Activate a card✅✅
Reissue a card✅✅
Activate/deactivate a card✅✅
Close a card✅✅
Transactions✅✅
Statements✅✅
Link an external account (v0)✅✅
Retrieve all linked accounts✅✅
Initiate an account-to-account transfer✅✅

Identity​

FeatureSupported in SandboxSupported in Production

KYC and KYB​

FeatureSupported in SandboxSupported in Production
Create and update a Customer✅✅
Create and update a Business✅✅
Run KYC (Know-Your-Customer)✅ 1✅
Simulate KYC Passed✅❎
Simulate KYC Failed✅❎
Run KYB (Know-Your-Business)✅ 2✅
  1. You can trigger various KYC states using trigger KYC scenario SSNs. You can also manually override KYC pass/fail states using the Simulate KYC Passed and Simulate KYC Failed operations.
  2. You will not be able to simulate KYB pass/fail as you can with KYC. To successfully run KYB, you must still validate the identity of your business and its documents to ensure that they're compliant with federal regulations.

Simulation and Webhooks​

FeatureSupported in SandboxSupported in Production
Simulating an authorization✅❎
Simulating a settlement✅❎
Webhook subscriptions✅✅
ACH transfers✅ 1✅ 2
Real money transactions❎ 3✅
Non-standard card transactions (cash withdrawals, purchase returns)❎✅
ACH returns❎✅
Card issue fees❎✅
ATM withdrawal fees❎✅
Adding to mobile wallets (and associated card.wallet.* webhooks)❎✅
  1. In sandbox, ACH transfers will settle within an hour.
  2. ACH transfers will settle according to their same-day or standard settlement windows.
  3. Sandbox does not allow the use of real money for transactions. You can simulate authorization and settlement for card transactions using the simulate API , and transfer funds using the transfers API .