Your merchant account is not active for live payments

Live payments require the merchant profile to be active. Test mode does not — you can integrate and test against pg_test_ keys throughout onboarding.

What to do

Finish onboarding. GET /merchants/me reports the status: draft and submitted mean documents are still outstanding, in_review means we are looking at them, suspended means an operator paused the account and suspension_reason says why. Keep building against test mode meanwhile; nothing else about the integration changes when the account goes live.