I have to imagine they’d only care if you were running significant volumes of test transactions and refunding thems, like if you were using live credentials in

I have to imagine they’d only care if you were running significant volumes of test transactions and refunding thems, like if you were using live credentials in a dev environment. Either way I’d be hard pressed to deploy significant changes to payment-related code in production without at the very least seeing a real $1 charge go through and everything work as expected. The risk of a ToS enforcement for this seems much lower than the risk of some bad logic in an if (env == ‘prd’) making customers unable to give you money.