Environments

Sandbox and production share endpoints, contracts and data model. Start in sandbox at no cost and migrate to production when you're ready, the same code works in both.

Quick comparison

	Sandbox	Production
Cost	Free	Per agreed pricing
PSD2 transactions	Against real banks, max €1 per payment	No amount limit
Capacity	Reduced (test environment)	High availability
Functionality	Identical across both environments	Identical across both environments
Portability	Same endpoints, contracts and model	Same endpoints, contracts and model

Amounts in sandbox

PSD2 calls run against the production environments of the banking institutions, so payment initiations in sandbox are capped at €1 to minimize impact during your tests.

Sandbox

For development and integration, at no cost.

Full functionality, same endpoints

Sandbox faithfully replicates production: it offers the same functionality and uses the same endpoints, so the code you develop is directly portable without modifications.

PSD2 transactions

PSD2 calls run against the banking institutions' production environments. For payment initiations, the maximum allowed amount is €1, to minimize impact during testing.

Capacity and infrastructure

The sandbox environment has lower infrastructure resources than production. If you hit performance or availability limits during testing, keep in mind that production has greater capacity.

Endpoints

Service	URL
Base URL	https://nc-api-sandbox.zertiban.com
Token	https://nc-api-sandbox.zertiban.com/idp/oauth2/token
Flows	https://nc-api-sandbox.zertiban.com/flow/v1/flows

Open the sandbox dashboard →

Production

For real traffic, with high availability and performance.

High availability and performance

This environment is sized to guarantee high availability and performance, with greater compute capacity and redundancy.

Costs per agreed pricing

Operations in production are billed according to the pricing agreed in your contract.

Endpoints

Service	URL
Base URL	https://nc-api.zertiban.com
Token	https://nc-api.zertiban.com/idp/oauth2/token
Flows	https://nc-api.zertiban.com/flow/v1/flows

Open the production dashboard →

Same path, different host

Only the host changes. The rest of the path is identical: if your integration hits /flow/v1/flows in sandbox, it will hit the same path in production.

Migration to production

Once your integration is finalized and validated in sandbox, follow these steps:

1. Validate the integration in sandbox. Make sure your flows cover every operation state (COMPLETED, REJECTED, EXPIRED, CANCELLED) and that you verify the webhook HMAC signature.
2. Request production credentials. Contact [email protected] and we'll coordinate the migration: registering the creditor IBAN, issuing clientId/clientSecret and registering your webhook endpoint.
3. Switch the environment variables. Replace ZERTIBAN_BASE_URL, ZERTIBAN_CLIENT_ID, ZERTIBAN_CLIENT_SECRET and ZERTIBAN_WEBHOOK_SECRET with the production values. Deploy.
4. Go-live. We coordinate the date with you and support you through launch.

Ready to go to production?

Once your integration is finalized and validated in sandbox, contact [email protected] to coordinate the migration and define the go-live date.