# Collecting User Information for Credit Cards

## Authentication and Account Setup

A representative from Engine by MoneyLion will set up an account and provide an authorization token to access the Engine API.

* To integrate with the Credit Cards API, an authorization token is required to authenticate requests to the Engine API. Ensure the token is included in the request headers; otherwise, the API will return an error.&#x20;
* Test authorization tokens and production authorization tokens are separate. Requests made with a test token will not be reflected in performance reporting or payable events. Be sure to switch to the production token once testing is complete.

For more information, see the official API documentation: [https://engine.tech/docs/api-reference/#authentication](https://engine.tech/docs/api-reference/#authentication)
