Because testing in production is like skydiving without a parachute API environments are separate spaces where you can safely develop, test, and experiment without breaking anything important. Think of them as practice zones: simulator for play, non-production for dress rehearsal, and production for the real show. Using environments keeps your code organized and your users happy.Production: The live environment where real financial transactions occur using actual customer data. All integrations here impact real accounts and funds.Non-Production (QV): A staging environment for testing and validating integrations before going live. It uses test or provided data and closely mirrors production.Simulator: A mock environment with sample data to explore API behaviors and edge cases safely, without connecting to real systems. API availability by environmentAPIProductionNon-ProductionSimulatorAccount ValidationAvailableNot availableAvailableACH InquiryAvailableNot availableAvailableACH OriginationAvailableNot availableAvailableCheck Image RetrievalAvailableAvailableNot availableCommercial accountsAvailableNot availableAvailableIntradayAvailableAvailableNot availablePrevious DayAvailableAvailableNot availableRTP InquiryAvailableNot availableAvailableRTP Send PaymentAvailableAvailableNot availableStop PaymentAvailableAvailableNot availableWebhooks (ACH, Wire, and RTP)AvailableAvailableNot availableWire InquiryAvailableNot availableAvailableWire TransferAvailableAvailableNot available