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Payment Gateway Testing

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What is Payment Gateway Testing? Test Cases Example

With a growing consumer base, e-commerce platforms need to provide user-friendly and secure payment gateways that can handle high loads without causing any downtime. Before implementing online payment, businesses need to ensure that their eCommerce platforms are compatible with the gateway and offer an exceptional user experience.

The payment gateway sends the information for the transaction channel to a merchant bank. It then checks the response from the bank. Modern payment gateways can also securely approve payments via debit cards and electronic bank transfers, cash cards, or reward points.

What is Payment Gateway Testing?

A payment gateway allows service providers to accept online payments. The gateway is an interface that acts as an intermediary for merchants and acquiring banks. Payment gateways are typically used to process payments using credit cards. But modern applications can handle electronic transfers and debit cards.

Merchant side payment gateway testing cases ensure that payment debits at the customer’s end are processed seamlessly and that settlements/refunds are handled smoothly. The customer side is subject to the same testing, which focuses on ease of use and payment security.

Payment Gateway Test Cases

A gateway that accepts accurate payments should be tested before being used. It is done by testing engineers who use a variety of test scenarios and case studies. A test scenario can include any feature or functionality you wish to test.

Let’s look at some test cases you should use to validate a payment gateway.

  • Verify that all required fields are correct on the payment page. You should not proceed with payment processing if you don’t have any mandatory information.
  • You can test the integrated payment gateway using various payment sources, including debit/credit cards and net banking.
  • After each successful transaction, look out for the message on the screen.
  • To confirm your payment status, make sure you check the notification URL, return URL, and status call.
  • After every successful transaction, check if the payment gateway redirects to the app/website.
  • Take a look at each transaction’s database entry. It should be in the correct format. In the event of an unsuccessful transaction, test the payment flow.
  • Check the currency that the gateway reflects according to the user’s country.
  • In the event of cancellation, check for the processing time to refund the order amount. You can check the processing time to credit the customer’s account with refunds.
  • If the gateway does not function as expected, check the payment result after the session is over.
  • Ensure that you are looking for security and error pages during the payment process. For successful transactions, make sure to review all messages sent to the merchant and user.
  • Test Cases For Payment and Pricing

Tips for Payment Gateway Testing

  • Check the compatibility of a shopping cart package you’ve purchased.
  • Ask the payment gateway provider to provide a list of supported applications if a shopping gateway package is due.
  • The gateway should offer Address Verification Systems Protection.
  • Learn more about the different types of transaction security offered
  • You can check which types of credit and debit cards are accepted at your chosen payment gateway.
  • You can check the transaction fees charged by your payment gateway.
  • To complete your purchase, check whether the gateways take payment directly on the form or via a link to another page.

Terms Associated with Payment Gateways


A merchant can be an individual or a business that sells products or services. Some examples of merchants are Flipkart, Amazon, and eBay.

Credit Card 

A credit card can be used to pay for goods or services through a credit card. A credit card comes with a sixteen-digit card number, expiration day, a magnet stripe, signature panel, and a CVV number (Card Verification Value) on the backside.

Acquiring bank 

The acquiring bank manages a merchant’s bank account. It allows the merchant to accept and process credit and debit card transactions at their location.

Issuer Bank 

An issuer bank is a financial institution that issues a card or debit card to a customer. The issuing bank will approve or deny a debit or credit card purchase based on the information provided by the cardholder and the required information.


Merchants receive funds from customers to complete a transaction through this end-to-end procedure.


An authorization request is made when a customer makes a purchase. The customer’s bank provides this authorization. It verifies that the cardholder is authentic, can pay, and has sufficient funds. 


The merchant collects payment information from clients’ ends and submits a settlement/capture request to the processor. This information is used to initiate funds transfers from the customer’s card account to the merchant’s bank account by the processor.

Example of setting up a Sandbox for Braintree Payments


  • Go to the Braintree website. Go to the “Try the Sandbox Click here to try the Sandbox.
  • Complete all required details and then sign to join the Sandbox. It will send you an email to the email address you have given during sign-up about the confirmation of account creation.
  • You must fill out the information for users to proceed further, where you will be required to create your password. Finally, select the ‘Agree to create your account.
  • Please note that you have the Sandbox keys and then use them in your program to make it compatible with this Braintree Sandbox.
  • Once the integration has been completed, The Sandbox is now available for use. If you want to change your Sandbox settings, it is possible to do this via the menu for settings.Test Cases For Payment and Pricing