Top 5 Best Practices To Test For Payment Gateway Functionally

A vast majority of customers have switched to digital payment methods because of their convenience, speed, cashless transaction, and easy tracking ability. To keep up with the client expectations, e-Commerce business owners must choose India best payment gateway that supports seamless and secure payments. 

A low-quality payment system directly impacts website traffic, customer loyalty, and revenue. That is why testing the payment gateway functionally for consumers, market, and cyber-fraud is crucial. But how a QA tester checks the payment gateway in different test case scenarios? Here are the five best practices that a skilled QA engineer uses.

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Prerequisites to Test the Payment Gateway

Before beginning the testing process, confirm the availability of the following resources:

Payment Solution Sandbox: It allows payment gateway testing without actually submitting the payment. It works in a different testing environment to validate the gateway behavior without affecting the live real-sales environment.

Test Data: These include dummy credit card details of commonly used vendors, like Visa, MasterCard, Discover, American Express, debit cards, e-wallets, etc.

Knowledge of Gateway Terms: The tester should be well-versed with the e-Commerce payment process and its terminology like the merchant, issuing bank, acquiring bank, authorization, tokenization, capture, transaction, etc.

Types of Gateway Testing

Different types of tests must be performed to test the gateway in different case scenarios:

  • Integration Testing: The test validates the payment gateway for integration with a website during different transaction stages, such as adding to the cart, completing the payment, etc.
  • Functional Testing: The test focuses on the main functions of payment processing management. It concentrates on UI, navigation, checkout, rate, tax, discount calculations, field validation, etc.
  • Performance Testing: The gateway must perform competently to keep the customers engaged even during peak times. The testing team generates multiple requests to the gateway simultaneously and verifies the web application’s response to check its performance.
  • Security Testing: Online transactions have a high risk of cyber fraud. So, the testing team must verify the gateway’s security system while handling the transactions. Encryption of sensitive data, security breach notifications, and accessible only to authorized users are some methods of ensuring security while testing.

Five Practices for Payment Gateway Testing

We recommend using these practices for India best payment gateway testing.

  • Integrate Latest Offerings

Besides being virus-free, the secure code should offer a seamless connection between the parties involved in a transaction, including the buyer, merchant, and financial institutions. Therefore, the tester must perform the test with the latest offerings on board. The integration must test each new payment option independently and confirm its performance before accepting the payment. Besides that, test each new shipping option, currency, or country to check its functionality.

  • Use Both Manual and Automated Testing Methods

Best testing practices use a combination of both manual and automated methods during the process. Automated methods are more valuable for identifying locations, calculating postage, and converting currency rates. However, testing a gateway’s usability needs a human mind and discretion. So, use a combination of both to ensure the best customer experience with payment processing management.

  • Use a Testing Platform That Can Expand With the Business

As the business grows, the tester would need to expand the payment gateways’ testing functionality as well. Therefore, the testing platform should be flexible to incorporate the business’ growing needs. Since some tests may be more extensive than others, a scalable testing platform must cater to particular needs. Even if the trial begins with a few major countries, currencies, and financial institutions, it should be scalable according to the widening user base.

  • Keep Users First 

The customer’s perspective should be the top priority while testing a payment solution. For instance, the test must ensure that the customers receive payment confirmations, that they are not exposed to any bugs and glitches, and that they are not disturbed by in-app pop-ups.

  • Start with a Small Run

Start with a small run before loading all data and scheduling the run. That is the right time to identify and incorporate any adjustments as needed.

Even if an e-Commerce business uses India’s best payment gateway, testing its performance from time to time ensures high functionality and customer satisfaction. Use the five best practices mentioned above to achieve the desired results with the testing and make the required modifications to enhance performance.

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