Wednesday February 5, 2020
Payment Gateway testing ensures an intermediate path between transaction channels such as net banking, debit, credit cards, and merchant acquired banks are working as they are supposed to be guaranteeing utmost security.
Payment gateway passes the information of the transaction channel to the merchant bank and then check the response received from the respective bank.
There are so many payment gateways available these days. Some of them are PayPal, Braintree and Citrus Payments.
Let’s first check out the flow of any transaction which happens on e-commerce and then we will dig into details of testing the payment gateway flow.
Payment gateway integration is a must for any business. It has to be highly secure, highly functional and must offer high UX. To check all this you need payment gateway testing.
The transaction starts with the customer who places an order for a product on an e-commerce website.
After confirming for a product, the customer is being redirected to some website where the customer is asked to enter payment details.
On this page, the customer clicks on the pay now button and then the payment gateway sends this entered information to the acquiring bank.
This information is sent in the form of encryption data and then the acquiring bank sends the data to the issuing bank to verify the details.
If the issuing bank verifies the transaction, then the payment is approved, and the successful response code is sent to the payment processor.
While if the issuing bank does not approve the transaction then the issuing bank sends a failure response code and at last, failure message is displayed to the customer.
The below types of testing are required for testing the payment gateway.
Whenever a new payment gateway integrated into your system, functional testing is required to see if the application behaves the way it behaves with other payment gateways.
It should handle the calculation as it is mentioned in the contract shared with you. For some gateways who are well renowned in the market such as PayPal, functional testing can be avoided.
Integration testing very important testing that must be performed on any payment gateway. You need to verify that your application behaves the way you want to be even after integrating a payment gateway.
You need to check if the customer is successfully able to place an order and then after successful payment, you need to make sure that the funds are successfully received in the merchant’s bank.
Also, you need to verify if the transaction is void or refunded.
Performance testing is critical for testing a payment gateway. You need to have a maximum number accessing the payment gateway at the same time and see if the payment processor fails.
You need to increase users above a threshold level to check the performance of the payment gateway.
Security testing must be done on any payment gateway on priority because of the sensitive information provided while filling the payment details.
It is very important to check if the payment details entered by the user are encrypted properly and to check if any kind of tweaks is not possible.
Read also: How to test a banking software
Let’s see some of the important test cases which you should write for a payment gateway.
Read also: How to test an e-commerce website
It is completely a different component which needs extensive testing as this drives the profit for the client and any kind of irregularities would let the client in loss
Start setting the test environment and have a sandbox integrated with it. Gather all the test data for testing the sandbox example: all the dummy credit and debit cards and associated information with it. Formulate a test strategy and start your payment gateway testing.
. Data for the dummy cards should be proper and detailed
. Gather information regarding existing payment gateway in the industry
. Know about the positive and negative parameters of the payment gateway
. Check language functionality
The payment gateway acts as a window between your bank and the online payment transaction you just performed. Once you enter the information it will be encrypted and transferred to the client's web servers with the help of SSL.
Indeed! Visa card can be used to transfer money from one account to another.