Payment Gateway Testing

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, credit cards, electronic bank transfers, cash cards, reward points etc.

Hosted Payment Gateways

Hosted payment gateways will take a customer off from your site's checkout page. Once user clicks on pay now button at your website, user will be redirected to payment service provider (psp) page. Here user need to fill his/her payment details. Once the customer has paid, he/she will be redirected back to your website to finish the checkout process.

Pro / Self Hosted Payment Gateways

For these type of gateways, we need to ask the payment details from users, at our own website. After asking the details, we need to send the collected data to the Payment Gateway's url. Some gateways need the data in specific format while some need any hash key or specific security/secret key.

In case of recurring the next payments is deducted by payment gateway itself and send notification for the same. Refund and cancellation process need to be initiated from Payment Gateway's website.

There are different modes of Payment Processing

Conduct high-volume repeated tasks :

Robotics process automation can easily simulate rekeying of data from one system to another. It performs tasks like data entry, copying, and pasting.

Unified Payments Interface (UPI) - Payment

Unified Payments Interface is a real time inter bank payment system that allows sending or requesting money. Any UPI client app may be used and multiple bank accounts may be linked to single app. ... Virtual Payment Address (VPA) or UPI ID: Send or request money from/to bank account mapped using VPA.

Bharat Interface for Money (BHIM) - Payments

Bharat Interface for Money (BHIM) is a payment app that lets you make simple, easy and quick transactions using Unified Payments Interface (UPI). You can make direct bank payments to anyone on UPI using their UPI ID or scanning their QR with the BHIM app. You can also request money through the app from a UPI ID.

Payments Using POS Terminals

Terminal vendors (ATM, POS, mPOS) need to be compliant to industry standards and specifications before they can be used in the market. Card Simulator now can be used by Banks/Vendors for testing their terminals to ensure that it meets specific requirements and recommendations across multiple paymentsystems.

SWITCH Based Payments

This is the base of payment architecture, A Payment Switch can be thought of as a an independent entity that facilitates communication between different providers. The payment gateway talks directly with the switch to process payments.

The payment switch performs the following core functions

• -Manages direct integrations into the payment providers - the payment switch understands the individual requirements of each payment provider (e.g APIs, file formats etc) that it supports and defines a common interface for communication with that provider. It also manages merchant's configurations with a particular provider.
• - Manages 3D SecureMPIs
• - Facilitates processing of real payments between these providers - It accepts request for a payment, understands which providers it needs to process with, formats the message for that provider and sends it to them, gets response, changes the response to a generic format and send the response back to the caller.