## Zoho Payments Documentation Index

Access the complete documentation index at:
https://www.zoho.com/in/payments/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Sandbox

The Zoho Payments Sandbox is a test environment that lets you build and validate your payment integration without processing real transactions or affecting live data. The sandbox mirrors the production environment in behaviour, but all transactions are simulated, no money moves, no settlements are processed, and no live credentials are required.

**Note:** [Contact support](https://www.zoho.com/in/payments/contact-us/ "Contact Us") to enable Zoho Payments Sandbox.

Use the sandbox to validate the following before [going live](/in/payments/developerdocs/sandbox/testing/#going-live):

*   [OAuth authorization flows](/in/payments/developerdocs/sandbox/setup/#oauth "OAuth")
*   [Payment widget integration](/in/payments/developerdocs/sandbox/setup/#Widget-Integration "Payment Widget")
*   [iOS and Android mobile SDK implementation](/in/payments/developerdocs/sandbox/setup/#Mobile-Integration "Mobile Integration")
*   [Webhook event handling](/in/payments/developerdocs/sandbox/testing/#webhook-testing "Webhooks")
*   [Transaction success, failure, and refund scenarios](/in/payments/developerdocs/sandbox/testing/#Testing-Payment-Methods "Transaction Status")

You can access the sandbox portal at: [https://paymentssandbox.zoho.in/](https://paymentssandbox.zoho.in/ "Sandbox")

**Insight:** You can invite users to your Sandbox org to test out features and payment workflows.

## Sandbox vs Live Environment

All Zoho Payments API requests are executed in either the Sandbox or Live (Production) environment. Here are some differences:

**Note:** The sandbox environment is completely isolated from production. Objects created in the sandbox, including payment sessions, payments, and refunds cannot be referenced or used in the live environment, and vice versa.

**Aspect**

**Sandbox**

**Live (Production)**

**When to Use**

While building and testing your integration.  
No real money is processed.

When ready to accept real payments from customers.

**Objects**

Simulated objects: test payments, payment sessions, refunds, and webhook events.

Real payment objects: live payments, refunds, settlements, and webhook events.

**How to Use**

\- Use sandbox API credentials, sandbox OAuth scopes (ZohoPaySandbox.\*), and the sandbox endpoint: [https://paymentssandbox.zoho.in/](https://paymentssandbox.zoho.in/ "Sandbox").  
  
\- Use test cards, UPI test amounts, and test bank names to simulate outcomes.

\- Use live API credentials, production OAuth scopes (ZohoPay.\*), and the production endpoint: [https://payments.zoho.in/](https://payments.zoho.in/ "Live").  
  
\- Accept real cards, UPI, and Net Banking payments.

**Considerations**

\- No real transactions occur.  
Settlements are not processed.  
Ensure `is_test_mode = true for widget integration`.  
  
\- Ensure `environment:.sandbox` (iOS) or `ZohoPaymentsEnvironment.sandbox` (Android) for SDK integration.

\- Real transactions are processed and settled to your verified bank account.  
  
\- Ensure webhooks, signature verification, and settlement accounts are properly configured before going live.