Updated March 13, 2023
What is Payment Gateway Testing?
Payment Gateway is processing in retail, e-commerce, sales, and marketing applications which gives approval for a credit card for paying their cash for online shopping and purchases. The payment gateway protects the access and information of credit cards by encryption methods. It protects confidential information like the user account number, credit card number, validation date, expiry date, and card validation value. The data is accessed and transferred safely between merchant and customer. Trending payment gateways approves payment via online banking, debit cards, online bank applications, mobile apps, electronic bank transfers, cash cards, purchase coupon, reward points, and so on.
Types of Payment Gateway Testing
There are two major types of payment gateway testing. One is a hosted payment method and the other is a shared payment method.
1. Hosted Payment Method
Hosted payment gateway where the customers are directed to gateway links for the payment process. Once the client makes the payment it is extracted to e-commerce websites. Some of the popular busy websites of hosted payment gateway are PayPal, Noche, Worldpay
2. Shared Payment Gateway
Shared Payment Gateway is the process where the customer’s login to an e-commerce website. The user is navigated to the payment page for online payment. The payment process is then directed to the next pages once the information on payment details is submitted. This is the preferred method as the user does not want to exit his shopping or e-commerce site.
Few steps should be ensured before the payment gateway testing.
- Collect accurate data for fake cards for both visa, master, coral, platinum in all attributes.
- Make a note of payment gateway details like their method of transaction, website name, application name, etc. Example is PayPal
- Collect all possible error codes related to payment gateway
- Calculate the parameters which occurred at the time of payment gateway
- Learn the details that are traveled through query string
- Check out the language of the application or websites of the payment gateway
Sample test cases that are done before making the live environment are as follows,
- Alter the payment language of the payment gateway at the time of the transaction process
- Ensure that confidential details are not leaked after the payment and retained until the payment is made successfully
- Examine the response of the payment gateway at each step
- Explore the happenings in the back end after the payment process.
- Learn what happens when the payment is failed
- Check the information provided by the user is correct or not. Information like details of credit card, card number, expiry date, card verification number, user name, registered mobile number, registered mail id, google account, etc.
- Calculate the mean response time after turning off and on of the pop-up blocker
- Learn the errors at the time of the transaction in the payment process
- Check the buffer page which lies between a payment gateway and an online application
- Explore the results of successful payment
- Ensure that transaction message is received after payment process
- Check the format of currency at the time of payment
- Ensure that the options clicked at the payment open the correct gateway without any redirection
- Verify it clicked on the default debit or credit card option
Domain of Payment Gateway Testing
The few domains which include payment gateway testing are explained below,
- Functional Testing: Its covers the basic functions of testing in the payment gateway. It ensures that the application behaves similarly as it’s designed to make calculations, handle purchase orders, reviews, and perform health checks of applications like the website’s login time, buffer time, etc.
- Performance: The performance of this system verifies the quality metrics that are to be delivered correctly to the gateway. It checks the daily count of maximum number of users visiting the gateway. Security is the mandatory criteria that should be monitored and ensured at the time of the online transaction.
- Integration: It is the main domain that verifies the bonding integration with credit card services.
Scenarios for Payment Gateway Testing
- The transmitted data by the user to the gateway must be secured with HTTP or another channel. It should be set with the correct frequency level
- Few applications request the user to save the credit card information. At that time, the system should be designed to store the user’s confidential values in an encrypted format.
- Ensure the mandatory validating fields and the related system should not overcome the payment process if in case of any data or any field is missing
- Check the probability by using a valid card number, valid expiry date, and invalid card verification value.
- Now check the probability of valid card number, invalid expiry date, and valid card verification value.
- Now check with the invalid card number, valid expiry date, and valid card verification value number
- Test all the probability of payment options and note the results of respective payment flow
- Check with multiple available currency formats
- Check with blocked card details
- Submit the payment details after time out session and explore the results
- In the payment configuration page click on the back button in the browser site to ensure the session is alive or dead
- At the payment process, try to change the language and learn the results
- Check the conduct of the payment gateway when it stops responding to request.
- At the time of transaction stop and verify the process and check if the payment is submitted successfully or not
- Disconnect the internet connection, when the transaction is in progress and learn the results
- Check if any double payment is submitted. Ensure that the end-user is getting mail after the failed payment also.
- Test the authorization bill after successful payment
360logica provides localized solutions and global solutions for payment gateway testing and consulting defines and validating the working components of software against any service, business, and system. Some methods are adopted for the fast testing process and implied successfully in a dynamic IT environment. The latest tools offer foolproof promise in both functional and non-functional applications integrated with a compliance policy.
Payment gateway testing is now carried in a well-planned, organized way and helps to sort out the defect and shortcomings of the system at the time of transaction since it holds all the confidential values.
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This is a guide to Payment Gateway Testing. Here we discuss the types of payment gateway testing which includes hosted payment method and shared payment gateway along with scenarios for payment gateway testing. You may also look at the following articles to learn more –
