diff --git a/apps/api/src/__tests__/config/stripe-config.test.ts b/apps/api/src/__tests__/config/stripe-config.test.ts
new file mode 100644
index 0000000..e8f9ca6
--- /dev/null
+++ b/apps/api/src/__tests__/config/stripe-config.test.ts
@@ -0,0 +1,32 @@
+import { describe, expect, it } from "vitest";
+import { createConfig } from "../../config.js";
+import type { Secrets } from "../../secrets.js";
+
+const baseSecrets: Secrets = {
+  supabaseServiceRoleKey: "service-role-from-secret-manager",
+  supabaseConnectionString: "postgres://secret-manager",
+  supabaseCaCert: "ca-cert",
+  emailClientSecret: "email-client-secret",
+  emailRefreshToken: "email-refresh-token",
+  r2AccessKeyId: "r2-access-key-id",
+  r2SecretAccessKey: "r2-secret-access-key",
+  streamChatApiSecret: "stream-chat-api-secret",
+  stripeSecretKey: "sk_live_secret_manager",
+  stripeWebhookSecret: "whsec_live_secret_manager",
+  streamChatApiSecretStaging: "stream-chat-api-secret-staging",
+  stripeSecretKeyStaging: "sk_live_staging_secret_manager",
+  stripeWebhookSecretStaging: "whsec_live_staging_secret_manager",
+};
+
+describe("createConfig stripe env overrides", () => {
+  it("prefers env stripe keys in development to avoid local sandbox/account mismatch", () => {
+    process.env.NODE_ENV = "development";
+    process.env.STRIPE_SECRET_KEY = "sk_test_env_override";
+    process.env.STRIPE_WEBHOOK_SECRET = "whsec_test_env_override";
+
+    const config = createConfig(baseSecrets);
+
+    expect(config.STRIPE_SECRET_KEY).toBe("sk_test_env_override");
+    expect(config.STRIPE_WEBHOOK_SECRET).toBe("whsec_test_env_override");
+  });
+});
diff --git a/apps/api/src/config.ts b/apps/api/src/config.ts
index e8c8bc3..6510c1d 100644
--- a/apps/api/src/config.ts
+++ b/apps/api/src/config.ts
@@ -65,6 +65,8 @@ export function createConfig(secrets?: Secrets): AppConfig {
     isStagingMode ? secrets!.stripeSecretKeyStaging : secrets!.stripeSecretKey;
   const getStripeWebhookSecret = (isStagingMode: boolean) =>
     isStagingMode ? secrets!.stripeWebhookSecretStaging : secrets!.stripeWebhookSecret;
+  const getStripeSecretKeyFromEnv = () => process.env.STRIPE_SECRET_KEY;
+  const getStripeWebhookSecretFromEnv = () => process.env.STRIPE_WEBHOOK_SECRET;
 
   // Base configuration
   const baseConfig: AppConfig = {
@@ -87,13 +89,22 @@ export function createConfig(secrets?: Secrets): AppConfig {
       : getStreamChatApiSecret(isStagingMode),
     STRIPE_SECRET_KEY: isTestMode
       ? validateEnvVar("STRIPE_SECRET_KEY", process.env.STRIPE_SECRET_KEY)
-      : getStripeSecretKey(isStagingMode),
+      : getStripeSecretKeyFromEnv() || getStripeSecretKey(isStagingMode),
     STRIPE_WEBHOOK_SECRET: isTestMode
       ? validateEnvVar("STRIPE_WEBHOOK_SECRET", process.env.STRIPE_WEBHOOK_SECRET)
-      : getStripeWebhookSecret(isStagingMode),
-    STRIPE_SOLO_PRICE_ID: validateEnvVar("STRIPE_SOLO_PRICE_ID", process.env.STRIPE_SOLO_PRICE_ID),
-    STRIPE_TEAM_MONTHLY_PRICE_ID: validateEnvVar("STRIPE_TEAM_MONTHLY_PRICE_ID", process.env.STRIPE_TEAM_MONTHLY_PRICE_ID),
-    STRIPE_FOUNDER_PRICE_ID: validateEnvVar("STRIPE_FOUNDER_PRICE_ID", process.env.STRIPE_FOUNDER_PRICE_ID),
+      : getStripeWebhookSecretFromEnv() || getStripeWebhookSecret(isStagingMode),
+    STRIPE_SOLO_PRICE_ID: validateEnvVar(
+      "STRIPE_SOLO_PRICE_ID",
+      process.env.STRIPE_SOLO_PRICE_ID
+    ),
+    STRIPE_TEAM_MONTHLY_PRICE_ID: validateEnvVar(
+      "STRIPE_TEAM_MONTHLY_PRICE_ID",
+      process.env.STRIPE_TEAM_MONTHLY_PRICE_ID
+    ),
+    STRIPE_FOUNDER_PRICE_ID: validateEnvVar(
+      "STRIPE_FOUNDER_PRICE_ID",
+      process.env.STRIPE_FOUNDER_PRICE_ID
+    ),
     EMAIL_USER: validateEnvVar("EMAIL_USER", process.env.EMAIL_USER),
     EMAIL_CLIENT_ID: validateEnvVar("EMAIL_CLIENT_ID", process.env.EMAIL_CLIENT_ID),
     EMAIL_CLIENT_SECRET: isTestMode