What is a payment gateway?

What is a payment gateway?

A Payment Gateway is assistance given by a web-based business application for online transactions. It accepts credit/debit card data to finish the transaction. Payment Gateway safely encodes sensitive data like card numbers, account holder names, CVV numbers, passwords, etc. They guarantee that the transaction happens most securely by encoding the information of the clients. They make the entire web-based shopping experience smooth and reduce the chances of online fraud....

Why Test Payment Gateway?

If we buy something from an offline market, generally cash or credit/debit cards are used during checkout to buy items by swiping the credit/debit cards through the machine. The point of sale testing determines whether the payment processing should be approved or not when it is done through credit/debit cards. Similarly, while purchasing from an online e-commerce store a system is needed that authorizes the processing of the payment and decides immediately whether to accept or decline it....

Types of Payment Gateway:

1. Hosted Payment Gateway (Self):...

Types of Testing for Payment Gateway:

There are different ways of payment gateway testing:...

Checklist for Payment Gatewat Testing:

Build a sandbox of payment processors. Check for the application response after the transaction. Arrange demo credit/debit card numbers for testing. Check for the message that is displayed after a successful transaction. Check for the message that is displayed after an unsuccessful transaction. Check for the language and currency that is relevant to the location. Check for the error message in case the payment fails. Redirect to the webpage after finishing the successful transaction. Check that all the payment options are working properly (e.g. Netbanking, UPI, credit/debit card). Check for the order confirmation message in the mobile number/ email ID/ website after the successful transaction that the order has been placed. Check for the message that is displayed after the session expires. Check the payment process is using a secured channel (e.g Payment should be done on an HTTPS page rather than HTTP) Check what happens if the payment gateway stops responding in the middle of the transaction. Check for the entries of transactions in the database that the tester has the access to application database. Check for fraud avoidance and security settings. Check that the amount is not deducted multiple times while purchasing. Check that the refund amount should be the same as the transaction amount. Verify the pop-up blocker is working properly during payment....

Payment Gateways Test cases:

1. UI Test Cases:...

Things to Consider Before Buying a Gateway Package:

There are generally seven things that need to be considered before buying a gateway package. These are:...

Payment Gateway vs Payment Processor:

S No. Payment Gateway Payment Processor 1. It is an assistance that accepts or declines the transaction between the customer and the website that is using the gateway. It is an institution that facilitates communication between the bank of the customer and the website from which the customer is purchasing.  2. Accepting online payment becomes easier by integrating a payment gateway. It ensures direct fund transfer between a customer’s bank account to a merchant bank account. 3. It checks the customer’s account number and authenticates it if there is any issue or not. It moves the data from the payment gateway to the network of the card and also checks the validity of the card. 4. It is integrated into the business website where the customer will make payments authorizing the process of credit cards within the software directly. It ensures actual funds on transactions over credit cards....