# Test mode (/docs/test-mode)

Requests made with a `ck_test_` key run in test mode. Test mode has its own wallet, customers, payment links and transactions, completely separate from live. Nothing in test mode moves real money.

## Finishing test payments [#finishing-test-payments]

In test mode, payments are not settled by a real bank, so you decide the outcome. Give your test key the `sandbox:simulate` permission, then complete the transaction:

```bash
curl -X POST https://api.creddot.com/api/v1/sandbox/transactions/{transactionId}/complete \
  -H "x-api-key: $CREDDOT_API_KEY" \
  -H "x-api-secret: $CREDDOT_API_SECRET" \
  -H "x-idempotency-key: complete-{transactionId}" \
  -H "content-type: application/json" \
  -d '{ "status": "SUCCESS" }'
```

Use `"FAILED"` to test your failure handling. Completing a test transaction runs the same steps as a real one: balances update, the checkout session closes, and your webhook receives `transaction.success` or `transaction.failed`.

Where to find the `transactionId`:

- **Checkout sessions:** `GET /checkout/sessions/{your reference}` returns the latest `payment.id` once the customer has started paying.
- **Collections and payouts:** it is in the creation response as `transactionId`.

## Simulating a bank transfer into a dedicated account [#simulating-a-bank-transfer-into-a-dedicated-account]

To test money arriving in a dedicated collection account, list your accounts with `GET /virtual-accounts`, then:

```bash
curl -X POST https://api.creddot.com/api/v1/sandbox/virtual-accounts/{id}/transfers \
  -H "x-api-key: $CREDDOT_API_KEY" \
  -H "x-api-secret: $CREDDOT_API_SECRET" \
  -H "x-idempotency-key: transfer-001" \
  -H "content-type: application/json" \
  -d '{ "amountMinor": "500000", "reference": "BANK-TRANSFER-001", "senderName": "Ada Okafor" }'
```

## Trying requests in these docs [#trying-requests-in-these-docs]

Every page in the [API reference](/docs/api-reference) has a **Try it** panel. Paste a **test** key and secret to send real requests to your test account. Requests go through the docs server only to get past browser restrictions; live keys are refused there.