Switch to production mode and start moving real money.

Every Moov account will receive one test account and one production account. In the [Moov Dashboard](https://dashboard.moov.io/), navigate to the account switcher in the top left corner and find your production account. Before you move real money, make sure you've familiarized yourself with Moov's platform in [test mode](https://docs.moov.io/guides/get-started/test-mode/).

Before you can move real money, you'll need to [contact Moov](/content/contact/index.html) to start the verification and underwriting process.

## Verification

Accounts require Know Your Customer (KYC) / Know Your Business (KYB) verification. Verification will automatically take place for accounts that have requested the `wallet` or `send-funds` capability. Each capability will have a status denoting where it is in the process:

- **Pending** - Waiting on information from the account holder.
- **Needs review** - Waiting on a manual review from Moov.

There are some verification scenarios that may require further action on your part:

- Address cannot be resolved to the individual: Enter the correct data for the business representative or individual, or, if the data is correct, provide a document with proof of address and upload it to your account. Acceptable documents include a driver's license, utility bill, or bank statement.
- No secretary of state filings or inactive status: Upload a document with proof of incorporation.
- Business TIN does not match the name: Upload a document proving the business’ legal name (not doing business as).

## Underwriting

In addition to verification, productions accounts with the `collect-funds` capability will require underwriting. Moov will request a recent processing statement to verify the following:

- Do volume expectations map to what is indicated?
- What is the ratio of chargebacks to sales?
- What is the ratio of refunds to sales?

In addition, Moov may request a bank statement to measure the solvency of the business:

- Does the business name on the bank statement match the business name on file?
- Does the bank account on the statement match the linked bank account?
- Is it a recent bank account statement (previous 3 month period)?
- What is the average daily balance and does the merchant have the funds to cover the expected chargeback and refund liability?

For merchants with no processing history, Moov will set a low transaction velocity limit and will rely on a 90 day rolling average.

## Pricing

Your production account will not be fully activated until your merchant fee pricing plan is set. See our [billing](https://docs.moov.io/guides/billing/) section for more information.

## Update account

Once you're in production mode and ready to start building, make sure to:

- Switch out `accountID` anywhere in your code where `accountID` is hard coded
- Generate new API keys
- Set up new webhook URLs
- Explore our [Quick start](https://docs.moov.io/guides/quick-start) guide for starter code step by step instructions

## Invite team members

While in production mode, you can [invite team members](https://docs.moov.io/guides/dashboard/settings/members/) to your production account. Inviting team members to your production account _does not_ enable them to use your test account. If you'd also like to invite team members to your test account, you will need to do that separately in test mode.