A payment gate-way 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, electronic
bank transfers, cash cards, reward points etc.
Types of Payment Gateway
System
·
Hosted Payment Gateway:
Hosted payment gateway system direct customer away from
e-commerce site to gateway link during payment process. Once the payment is
done, it will bring customer back to e-commerce site. For such type of payment
you don't need merchant id, example of hosted payment gateway are PayPal, Noche
and WorldPay.
·
Shared Payment Gateway:
In shared payment gateway, while processing payment customer is
directed to 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,
example of shared payment gateway is eWay, Stripe.
Testing Types for Payment
Gateway System
Testing for Payment
Gateway should include
Functional Testing: It is the act of testing base functionality of the payment
gateway. It is to verify whether the application behaves in same way as it is
supposed to be like handling orders, calculation, addition of VAT as per the
country etc.
Integration: Test integration with your credit card service.
Performance: Identify various performance metrics like highest possible
number of users coming through gateways during specific day and converting them
to concurrent users
Security: You need to perform a deep security pass for Payment Gateway.
Test Preparation for Testing
Payment Gateway
Before you begin testing
-
·
Collect proper test data
for the dummy credit card number for maestro, visa, master etc.
·
Collect payment gateway
information like Google wallet, Paypal or else
·
Collect payment gateway
document with error codes
·
Understand the session
and parameters passed through application and payment gateway
·
Understand and test the
amount related information passed through query string or variable or session
·
Along with payment
gateway language check the language of the application
·
Under the various
settings of payment gateway like currency format, subscriber data collected.
Sample Test Cases for
Payment Gateway Testing
Sr#
|
Test Cases
|
1
|
During the payment process try to
change the payment gateway language
|
2
|
After successful payment, test all
the necessary components, whether it is retrieved or not
|
4
|
Check what happens if payment gateway
stops responding during payment
|
5
|
During the payment process check what
happens if session ends
|
6
|
During the payment process check what
happens in back end
|
7
|
Check what happens if payment process
fails
|
8
|
Check the Data-base entries whether
they store credit card details or not
|
9
|
During payment process check error
pages and security pages
|
10
|
Check settings of pop-up blocker, and
see what happens if pop up blocker is on and off
|
11
|
Between payment gateway and
application check buffer pages
|
12
|
Check on successful payment, a
success code is send to the application and a confirmation page is show to
the user
|
13
|
Verify whether the transaction
processes immediately or processing is hand to your bank
|
14
|
After successful transaction check if
the payment gateway returns to your application
|
15
|
Check all format and messages when
successful payment process
|
16
|
Unless you don't have an
authorization receipt from payment gateway, good should not be shipped
|
17
|
Inform the owner for any transaction
processed through e-mail. Encrypt the content of the mail
|
18
|
Check the amount format with currency
format
|
19
|
Check if each of the payment options
are selectable
|
20
|
Check if each listed payment option opens
the respective payment option according to specification
|
21
|
Verify whether the payment gateway
defaults to the desired debit/credit card option
|
22
|
Verify the default option for debit
card shows card selection drop down menu
|
Things to consider before
Buying Gateway Package
·
If you have bought a
shopping cart package, find out about its compatibility
·
If shopping gateway
package is due, ask the payment gateway provider for a list of supported
applications
·
The gateway must offer
Address Verification System Protection
·
Find out the types of
transaction protection being offered
·
Check what types of debit
or credit cards are accepted by your chosen payment gateway
·
Check the transaction
fees levied by payment gateway
·
Check whether the
gateways collect the payment right on the form or direct to another page to
complete the purchase.
