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The x402 and MPP payment examples run against three environments. Pick based on what you’re doing — the example apps default to the local stub, so real settlement is always opt-in.
Hosted URLs live on Endpoints. Each example’s README covers that app’s stub flags, .env, and corridor. Other surfaces — the CLI and SDK quickstarts — may point at different endpoints.

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Which environment should I use?

The example merchants default to stub mode, so any private key works and no funds move. Set the stub flag to false to settle for real over Atum’s hosted testnet, or against mainnet.
production-testnet is a testnet. Expect occasional slow corridors. A slow payment is reported as still settling; see When a payment is still settling.

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Mainnet payment limit

Mainnet caps the amount of each payment. A payment over your limit is declined with AUTHORIZATION_DECLINED. Contact Atum to raise your limit.

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Examples repository

Stub flags (USE_STUB_FACILITATOR / USE_STUB_SUBMITTER), .env.example, and the corridor each app ships with are documented in the examples repository README (Environments section) and in each app’s “Going to testnet / mainnet” section. Hosted URLs are on Endpoints.

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Next steps