generated: '2026-07-24'
method: searched
source: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis
environments:
- name: Test
  purpose: >-
    Separate non-production environment for FedNow / FRFS API integration and
    readiness. Requires its own client PKI certificate distinct from Production.
- name: Production
  purpose: Live FedNow Service; requires a separate Production client certificate.
key_separation:
  mechanism: per-environment client certificate
  note: >-
    "Each environment (Test and Production) requires a different certificate."
    There is no test-vs-live API-key prefix; separation is enforced by
    environment-scoped PKI certificates.
onboarding_check:
  api: Ping
  note: >-
    Participants are required to use the Ping API to confirm connectivity to the
    FedNow Service during onboarding.
iso20022_testing:
  note: >-
    ISO 20022 message readiness and testing materials are hosted on SWIFT
    MyStandards and require a SWIFT account.
  url: https://www2.swift.com/mystandards/#/group/Federal_Reserve_Financial_Services
test_values: []
notes: >-
  FedNow publishes a formal Test environment but does not publish open magic test
  identifiers or test credentials publicly; test certificates and message samples
  are provisioned to enrolled institutions through FedLine Developer and SWIFT
  MyStandards. No values are fabricated here.