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This walks you from credentials to a working request in three steps. Sandbox and production share one base URL; your application’s registration determines the environment.
Base URL: https://api.zeam.money/gw/v1Sandbox and production use the same base URL. Your application’s registration determines which environment a request runs in.
A sandbox token does not provide test isolation from production: records you create and funds you move are real either way. See Sandbox limitations before you go further.
1

Get sandbox credentials

Register an application in the business portal (or ask an administrator to) to get its clientId, client secret, and application secret (apiKey). See API keys.
2

Issue an access token

Exchange your client credentials for a short-lived bearer token. No bearer token is needed for this call — you don’t have one yet — but every request, including this one, still needs your application secret as x-zeam-auth.
cURL
The response contains the token and its lifetime in seconds:
Response
The associationId is informational — the gateway resolves your association server-side from the bearer token, so there’s nothing to keep or send.
3

Call a protected endpoint

Every protected request carries two headers: the bearer token and your application secret as x-zeam-auth.
cURL
A successful response is a paginated collection:
Response

Next steps

Authentication

Understand tokens, the application secret, and association scoping.

Your first transaction

Go from credentials to a completed P2P transfer with status tracking.

API reference

Browse every endpoint and try requests in the playground.

Errors

Learn the RFC 7807 error format and how to handle failures.