What you have gathered from our documentation is correct.
To utilize our APIs in a production environment, where you are handling actual people's data and (potentially) credit cards, we strictly require publication into the Clover App Market. Each app submitted for publication undergoes technical and legal review. This is primarily to protect Merchant's and Customer's data and adhere to various legal requirements.
Is there a beta I can run with the merchant before the technical/legal review?
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