# Production mode

> Switch to production mode to move real money with Moov: complete verification and underwriting, set your fee plan, and update keys and webhooks.

> AI agents: search and read all Moov docs with the docs MCP server at https://docs.moov.io/mcp (no API key). Setup: https://docs.moov.io/guides/developer-tools/mcp-ai/docs-mcp/index.md

Production mode moves real money. Your production account is separate from your test account, so you'll need new API keys, account IDs, and webhooks when you switch.

Every Moov customer gets one test account and one production account. In the [Dashboard](https://dashboard.moov.io/), switch between them with the account switcher in the top left corner. Your production account can't move money until Moov approves it, so [contact Moov](https://moov.io/contact/) to start verification and underwriting while you build in [test mode](/guides/get-started/api-authentication/test-mode/index.md).

## What changes in production mode

| Item                         | Test mode                         | Production mode                                      | What to do                                                                                                  |
|------------------------------|-----------------------------------|------------------------------------------------------|-------------------------------------------------------------------------------------------------------------|
| API keys                     | Test mode keys                    | Separate production keys; test keys don't work       | Create production [API keys](/guides/get-started/api-authentication/api-keys/index.md) and store them separately    |
| Base URL                     | `https://api.moov.io`             | `https://api.moov.io` (unchanged)                    | Nothing; the key you authenticate with determines the mode                                                  |
| Your partner account ID      | Test account ID                   | Different production account ID                      | Replace any hard-coded `accountID` values                                                                   |
| Accounts, sources, transfers | Sample data, created in test mode | Empty until you create them                          | Re-create accounts and link sources; IDs from test mode don't exist in production                           |
| Webhooks                     | Test webhooks and signing secrets | None until you create them                           | [Set up webhooks](/guides/webhooks/set-up-webhooks/index.md) with production URLs and store the new signing secrets |
| Capabilities                 | Enabled automatically             | Requested per account and enabled after verification | Request only the [capabilities](/guides/accounts/capabilities/index.md) each account needs                          |
| Team members                 | Access the test account only      | Invited separately                                   | [Invite team members](/guides/dashboard/settings/team/index.md#invite-team-members) in production mode              |
| Money movement               | Simulated, with faster ACH timing | Real money, real rail timing                         | Wait for transfer status webhooks instead of assuming completion                                            |

## Get your production account approved

Your production account is fully activated after these three steps are complete.

### Verification

Moov verifies your business (KYB) and its [business representatives](/guides/accounts/requirements/business-representatives/index.md). See [verification](/guides/accounts/requirements/identity-verification/index.md) for what's required. Common issues and how to resolve them:

| Issue                                             | Resolution                                                                                                                                    |
|---------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------|
| Address can't be matched to the individual        | Correct the representative's or individual's details, or upload proof of address, such as a driver's license, utility bill, or bank statement |
| No secretary of state filings, or inactive status | Upload proof of incorporation                                                                                                                 |
| Business TIN doesn't match the name               | Upload a document showing the business's legal name, not its doing business as (DBA) name                                                     |

### Underwriting

If you'll use the `collect-funds` capability, Moov also [underwrites](/guides/accounts/requirements/underwriting/index.md) your business. Moov may ask for:

- **A recent processing statement**, to check that your expected volume matches what you reported and to review your chargeback-to-sales and refund-to-sales ratios
- **A bank statement from the last 3 months**, to confirm the business name and linked bank account match, and that your average daily balance can cover expected chargeback and refund liability

Businesses with no processing history start with a low transaction velocity limit based on a 90-day rolling average.

### Fee plan

Moov activates your production account after your fee plan is set. See [billing & fees](/guides/billing/index.md).

## Next steps

- Work through the [launch checklist](/guides/go-live/launch-checklist/index.md)
- [Migrate data](/guides/go-live/data-migrations/index.md) from your previous processor