Payment Gateway Testing Tutorial with
Example Test Cases
What is Payment Gateway Testing?
Payment Gateway testing is testing of a Payment Gateway. A payment
gateway system is an e-commerce application service that approves credit
card payment for online purchases. Payment gateways safeguard the credit
card details by encrypting sensitive information like credit card numbers,
account holder details and so on. This information is passed safely between
the customer and the merchant and vice versa.
Modern payment gateways also securely approve payments via debit cards,
electronic bank transfers, cash cards, reward points etc.
In this tutorial, you will learn
Types of Payment Gateway System
Testing Types for Payment Domain
How to test Payment Gateway: Complete Checklist
Example Test Cases for Payment Gateway Testing
Things to consider before Buying Gateway Package
Join our Live Payment Gateway Testing Project for Free
Types of Payment Gateway System
Payment Gateway Knowledge is Important
Hosted Payment Gateway:
Hosted payment gateway system direct customer away from an e-
commerce site to gateway link during the payment process. Once the
payment is done, it will bring a customer back to an e-commerce site.
For such type of payment you don't need a merchant id, an example of
a hosted payment gateway are PayPal, Noche, and WorldPay.
Shared Payment Gateway:
In a shared payment gateway, while processing payment customer is
directed to the payment page and stays on the e-commerce site. Once
the payment detail is filled, the payment process proceeds. Since it
does not leave the e-commerce site while processing payment, this
mode is easy and more preferably, an example of a shared payment
gateway is eWay, Stripe.
Testing Types for Payment Domain
Testing for Payment Gateway should include
Functional Testing: It is the act of testing the base functionality of the
payment gateway. It is to verify whether the application behaves in the same
way as it is supposed to be like handling orders, calculation, an addition of
VAT as per the country etc.
Integration: Test integration with your credit card service.
Performance: Identify various performance metrics like the highest possible
number of users coming through gateways during a specific day and
converting them to concurrent users
Security: You need to perform a deep security pass for Payment Gateway.
How to test Payment Gateway: Complete
Checklist
Before you begin testing -
Collect proper test data for the dummy credit card number for the
maestro, visa, master etc.
Collect payment gateway information like Google Wallet, Paypal or
else
Collect payment gateway document with error codes
Understand the session and parameters passed through application
and payment gateway
Understand and test the amount related information passed through
query string or variable or session
Along with payment gateway language check the language of the
application
Under the various settings of payment gateway like currency format,
subscriber data collected.
Example Test Cases for Payment Gateway Testing
Following are important Test Scenarios/Cases to check Payment Gateway
Sr# Test Cases
1 During the payment process try to change the payment gateway language
2 After successful payment, test all the necessary components, whether it is
retrieved or not
3 Check what happens if payment gateway stops responding during payment
4 During the payment process check what happens if the session ends
5 During the payment process check what happens in the backend
6 Check what happens if payment process fails
7 Check the Database entries whether they store credit card details or not
8 During the payment process check error pages and security pages
9 Check settings of pop-up blocker, and see what happens if a pop-up blocker is
on and off
10 Between payment gateway and application check buffer pages
11 Check on successful payment, a success code is sent to the application and a
confirmation page is shown to the user
12 Verify whether the transaction processes immediately or processing is hand to
your bank
13 After successful transaction check if the payment gateway returns to your
application
14 Check all format and messages when successful payment process
15 Unless you don't have an authorization receipt from the payment gateway, good
should not be shipped
16 Inform the owner for any transaction processed through e-mail. Encrypt the
content of the mail
17 Check the amount format with currency format
18 Check if each of the payment options is selectable
19 Check if each listed payment option opens the respective payment option
according to specification
20 Verify whether the payment gateway defaults to the desired debit/credit card
option
21 Verify the default option for debit card shows card selection drop down menu
Things to consider before Buying Gateway
Package
If you have bought a shopping cart package, find out about its
compatibility
If shopping gateway package is due, ask the payment gateway provider
for a list of supported applications
The gateway must offer Address Verification System Protection
Find out the types of transaction protection being offered
Check what types of debit or credit cards are accepted by your chosen
payment gateway
Check the transaction fees levied by a payment gateway
Check whether the gateways collect the payment right on the form or
direct to another page to complete the purchase
