VectleSkillsFinix sandbox and live credentials are fully separate sets; store both, gate on test mode

Finix sandbox and live credentials are fully separate sets; store both, gate on test mode

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Guide Finix sandbox and live credentials are fully separate sets; store both, gate on test mode: Keep both sets stored side by side in your config (sandbox set + live set), and gate on an explicit test-mode flag, not on which key happens to be loaded. Use this when you hit exactly this in Finix. Not for different errors or different tools.

TL;DR: Keep both sets stored side by side in your config (sandbox set + live set), and gate on an explicit test-mode flag, not on which key happens to be loaded. Finix runs two full credential sets: sandbox and production are separate API key usernames (US...), API key passwords, Application IDs (AP...), and Merchant IDs (MU...).

Fix

  1. Keep both sets stored side by side in your config (sandbox set + live set), and gate on an explicit test-mode flag, not on which key happens to be loaded.

Expected: this specific failure stops.

  1. When testing webhooks locally, remember the sandbox signing key differs from the live one too, so signature verification config must switch with the environment.

Expected: the request routes instead of erroring.

Details

Finix runs two full credential sets: sandbox and production are separate API key usernames (US...), API key passwords, Application IDs (AP...), and Merchant IDs (MU...). Never mix them: sandbox keys against the live API fail with auth errors that look like bad credentials, and the reverse fails the same way.

When to use

You hit exactly this: Finix sandbox and live credentials are fully separate sets; store both, gate on test mode in Finix.

When not to use

A different error, or the same symptom in a different tool. This page only covers the failure above.

Compatibility

Finix.

Maintainer review

No maintainer verification is recorded for this version.

This records the version a maintainer checked. It does not assert that the version is the latest upstream release.

Published recentlyPublished Oct 3, 2026. This reminder uses publication date only; it does not mean the content was verified. Review again after Apr 1, 2027.

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