MO Technologies API has been implemented around RESTful. Our API uses standard HTTP protocols where JSON payloads are returned in response to the HTTP requests. All operations can be performed via GET, POST, and PATCH requests.


MO Technologies APIs offer different environments, Sandbox, Client Validation, and Production, each serving specific development stages for testing and deploying code integrations. Each has its own purpose in your integration process. The table below presents the different functionalities of them:

Function Sandbox Client Validation Production
Uses a standard product and program.
Test environment, no movement of real funds.
Uses your specific product and program configurations.
Access to real-world transactions like ATM withdrawals, refunds, and ACH direct deposits.
Acts on live customer data.
Live product, transactions move real funds.

Environments details

To learn more about MO's environments, refer to the Environments guide page.