15 Critical Questions to Ask When Evaluating a Payment Gateway
Does the gateway support the countries and the currencies where you do business? …
What can a business expect in terms of the onboarding experience? …
How reputable is the provider and how reliable is their service? …
What does their service cost?
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Types of Payment Gateway System
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 preferable, 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.
What is Payment Gateway Testing
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.
Functional Test Cases for Payment Gateway
Check if each of the payment options is selectable.
Check if the default credit/debit card gets automatically added.
Verify that the page does not proceed to the payment page before all the mandatory information is filled.
Check if multiple cards can be saved as default or not.
Verify that the correct currency is reflected on the page.
Check if the payment is not getting processed for null values in the cart.
Verify if multiple payment options are not getting selected. Only one at a time.
Check if the payment is not getting proceeded with an expired/blocked card.
Verify cases like-
Credit/debit card number+wrong date+ right cvv
Credit/debit card number+ right date+ wrong cvv
Wrong credit/debit card number+ right date+ right cvv
And some other similar combinations
Check if the user gets a confirmation message or mail if the payment is successful.
Check if a pop-up appears if the session has expired.
Verify that the user gets information about unsuccessful payment.
Check if double payment is not occurring in any case.
Check what happens after the session gets expired. Does the payment still occur?
Verify if the respective payment option triggers the right payment gateway.
Check if the user is directed back to the application after a successful transaction.
Check what happens if the payment gets stopped midway. Does the amount still gets deducted?
Check if the pop-up blocker during the payment is functional.
Check if the application page is not getting redirected to some other page or link.
FAQ
What is a payment test?
UI Test Cases for Payment Gateway
Check if all the labels and boxes are visible.
Verify the payment gateway company logo or name.
Check if the credit card number is masked or not.
Verify that all the payment options are visible.
Check if the color scheme matches the specifications.
How does a payment gateway work step by step?
Test Payment method allows merchants to check how the payment process works without making real payments.
