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Welcome to the Payracle API. This documentation covers everything available for accepting payments: persistent per-customer virtual accounts, one-time dynamic checkout accounts, and the webhooks that notify you when money moves. Base URL: https://api.payracle.com/api/v1

Authentication

Public vs secret keys, live/test mode

Virtual Accounts

Persistent, per-customer bank accounts

Checkout & Dynamic Accounts

One-time payment sessions

Webhooks

Real-time payment notifications

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Environments

Payracle supports two environments — Sandbox and Live. Use Sandbox to test integrations without processing real transactions; switch between modes in your dashboard. Each mode has its own pair of API keys (a pk_test_/sk_test_ pair and a pk_live_/sk_live_ pair) — Payracle detects which environment you’re in automatically from which key you send, no separate mode flag needed.

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Authentication at a glance

Every request needs a Bearer token — but which key you use depends on where the call is made from:
  • Secret key (sk_live_... / sk_test_...) — your own backend only. Can call every endpoint.
  • Public key (pk_live_... / pk_test_...) — safe for client-side code (browser, mobile app). Can only initialize a checkout.
See Authentication for the full picture, including the X-Business-ID header the public key requires.

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Integrating