Going live

A checklist for real payments — receiving account, detection, Service Credit — and how to switch from test to live safely.

Test mode needs nothing financial. Live mode collects real money into your own bKash or Nagad account, so a few things must be ready first. You set them up in the PayTaka dashboard; the API tells you what's missing. Test setup does not carry over to live — each item below is configured separately.

Checklist#

Switch to a Live secret key (Developers → API keys → Live) and deploy with it. Test and live data never mix.
Configure your payment account(s) — a bKash or Nagad number you own, set as the active receiving account for that provider.
Verify the payment types you want — Send Money, Payment, Cash In, Bank / Card Add Money. Each is enabled and confirmed separately; enabling one doesn't verify another.
Confirm payment detection (Bridge) is ready for that exact account — the PayTaka Bridge app installed, signed in and healthy.
Add Service Credit for your business. It covers the small per-payment fee, and it belongs to the business (one balance for all your accounts).
Create a Live webhook endpoint and store its signing secret securely — it is different from your Test endpoint's. See Webhooks.
Use your production return_url (an https URL, or your app's production link).
Run one controlled live payment for a small amount and confirm the payment.paid webhook on your Live endpoint.

What live errors mean#

A live POST /v1/payments returns a 409 with one of these when something on the checklist is missing:

Code	Fix
`payment_detection_not_ready`	No enabled, ready receiving method yet — configure an account and confirm detection.
`payment_method_unavailable`	None of your `allowed_methods` is usable right now.
`payment_channel_unavailable`	No ready receiving number accepts the requested `allowed_channels`.
`insufficient_credit`	Your business's Service Credit can't cover the next fee — top it up in the dashboard.

Live payments use your business's Service Credit; if the balance is too low, live payment creation returns insufficient_credit. Test payments never use it.