Payment Gateway Test Cases: A simplistic guide

June 12, 2024Kiruthika Devaraj
Payment Gateway Test Cases A simplistic guide

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With the rapid growth of e-commerce, the payment gateway plays a critical role in ensuring seamless transactions between buyers and sellers. This blog post will delve deep into the test cases for testing payment gateways.

What Is A Payment Gateway?

So, you know when you buy stuff online and have to enter your bank details? Well, that’s where payment gateways come in! They’re like the middleman between you and the business you’re buying from. They make sure your payment info stays safe from sneaky hackers and fraudsters. Payment gateways connect your bank to the merchant’s bank so you can pay for stuff securely. It’s all about making sure your payments are safe and sound! Cool, isn’t it?

Types of Payment Gateway Systems

Listen up! You’ll need a payment gateway system if you’re trying to sell stuff online. It’s a safe way for customers to pay with credit or debit cards. The payment gateway makes sure everything goes smoothly between you and your customers. It’s like a bodyguard for your money and data during online transactions. Payment gateway systems protect customers from advanced attacks like synthetic identity theft, where someone can use their name and financial information to conduct transactions.

Hosted Payment Gateway

Hosted Payment Gateway is a third-party provider that hosts a payment gateway. Here is a payment processing system that enables customers to make payments directly on the hosted website. The customer enters their card details on the provider’s secure website, and the gateway processes the payment.

Shared Payment Gateway

Have you ever heard of a Shared Payment Gateway? So, a Shared Payment Gateway is a cool system that lets a bunch of different merchants use the same payment gateway for their online sales. This is perfect for online marketplaces that sell stuff from different vendors. It saves them time and money because they don’t have to set up separate payment gateways for everyone. Plus, it’s easy for customers to buy things because they only have one checkout process. The best part is that it’s secure and keeps all merchants’ customer data safe.

Payment Gateway Testing

Payment gateway testing is when we check if our online payment system works properly. We want to ensure that our customers can pay without issues and that their information is safe and secure. We also make sure that the payment system works smoothly with other web applications. Lastly, we check to see if we’re following all the rules and regulations related to online payments. If the payment gateway tests pass, our customers can pay easily and safely.

Payment Gateway Test Cases Example

Here are some example test cases for testing payment gateways:

  1. Check if the payment gateway can connect with the bank systems.

  2. Ensure that the payment gateway allows users to enter their payment details securely.

  3. Verify that users can initiate payments using valid credentials.

  4. Validate if the payment gateway processes the payments accurately.

  5. Test that the payment gateway responds to invalid credentials correctly.

  6. Check if the payment gateway can capture payment details accurately.

  7. Confirm the payment gateway returns the correct response codes for successful and unsuccessful payments.

  8. Test the ability of the payment gateway to handle multiple simultaneous payments.

  9. Verify that the payment gateway is integrated properly with the merchant system.

  10. Ensure you do not store financial data after each payment processing session.

You must test and check the payment gateway regularly so it stays reliable and does its job right.

Payment Gateway Testing: Automated and Manual – Examples

Let’s try to understand the manual and automated approaches better, with examples:

Manual Testing Example: Let’s say you are manually testing all the payment options;

Test Case: Check if the search page is displayed correctly on desktop

Test Steps:

1. Launch the web browser.

2. Navigate to the application’s search page.

3. Verify that the page elements (e.g., search bar, search button, search results) are displayed as expected.

4. Resize the browser window to check for content and layout consistency.

5. Check that images and text look and display correctly.

6. Ensure the page is fully loaded with all content.

7. Close the browser.

Expected result: The search page displays correctly on the desktop, with all elements and content displaying correctly. No layout issues appear.

Automated Testing Example: Let’s say you want to automate one of the test case to verify if all the payment options are displayed on the Payment Gateway page correctly. You can do that in Testsigma using our Web Automation feature.

Steps: 1. Log in to Testsigma and select a project. Give the project a Name.

2. Now you can Create a New Test case Click the + symbol- Choose Test Case from the dropdown.

3. In “Create Test Case” page, give the Name and URL(URL of the page you must test). I have used a Demo Page(Letzpay.com) in this example.

4. Click on the Record Steps button and begin the process. The webpage you have chosen will appear in a new window.

5. You can see the Test steps are created automatically with the necessary Elements when I continue purchasing.

Here, we have taken a Demo project of a website where I will show you to purchase via UPID. You can also choose Net banking or Cards.

6. Here, for example, I chose to make my purchase using PhonePe. You can see the summary page too.

7. Once I click the Pay button, the QR code appears for me to scan.

8. Here, for example, after I scan the code, the payment gets processed successfully. That’s it. Now you can run the test.

9. Execute the Test. Here you can see the System requirements I have chosen to execute this test case.

10. The Result- Once all the steps are executed, you can see the Test Passed.

Note: Export the results as XLS, or PDF

Now, the test case will either pass or fail based on the result of the element visibility assertion. The test case will display an appropriate message in case of a failure.

This is just one example of Payment Gateway Testing that can be automated using Testsigma. Using Testsigma, the testers can create automated test cases, maintain their test suites and execute them with a single click. Testsigma is equipped with Mobile Device cloud and Desktop browsers to run the tests on different Operating Systems and Platforms.

Automate your payment gateway tests for web as well as mobile, 5x faster

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Importance of Testing Payment Gateways

Testing Payment Gateways:

  • Ensures that transactions are processed accurately and securely.
  • It helps identify and resolve any technical issues or errors in the payment process.
  • Builds trust with customers by providing a seamless and reliable payment experience.
  • Protects against fraud and unauthorized transactions.
  • Helps businesses comply with industry regulations and standards for payment processing.

Testing Types for Payment Domain

As the payment domain covers various methods for financial transactions, it is important to understand the different types available. The most common types are:

Functional testing involves verifying that the payment system is working as intended. We ensure we process transactions correctly, accept payment methods, and appropriately handle errors or exceptions.

Security testing is necessary for any payment system. This type of testing involves identifying vulnerabilities in the system and ensuring that sensitive data is protected. It includes things like penetration testing, vulnerability scanning, and data encryption.

Performance testing ensures that the payment system can handle a high volume of transactions without slowing down or crashing. This involves stress testing, load testing, and capacity planning to ensure the system can handle peak usage times without issues.

Integration testing We need to perform integration testing to ensure that the payment system integrates seamlessly with other systems, such as the website or mobile application.

Generally, thorough testing of the payment domain is essential to ensure a smooth and secure user experience for customers.

Checklists While Preparing Test Cases For Payment Gateway

When preparing test cases for a payment gateway, you must cover all possible scenarios to ensure the smooth functioning of the payment gateway.

  1. Verify the payment gateway integration with the website or application.
  2. Test payment methods like credit/debit cards, net banking, and digital wallets.
  3. Ensure that the payment process is secure and encrypted to protect sensitive information.
  4. Test for error handling scenarios such as incorrect card details or insufficient funds.
  5. Verify that the transaction details are accurately recorded and displayed to the user after completion of the payment process.

How to test Payment Gateway: Complete Checklist

Let us keep our checklist simple and easy! Here you go.

  1. Test the payment gateway integration with your website or application to ensure it functions properly.

  2. Verify that the payment gateway is compatible with all major web browsers and operating systems.

  3. Conduct a test transaction using different payment methods (credit card, debit card, PayPal, etc.) to ensure each method works correctly.

  4. Check for any errors or issues during the transaction process, such as timeouts or failed transactions.

  5. Test the refund process to ensure that it is working correctly and refunds are processed in a timely manner.

  6. Verify that the payment gateway is secure and meets industry data protection and encryption standards.

  7. Test the payment gateway’s reporting functionality to ensure you can access accurate transaction data and reports.

  8. Conduct load testing to ensure that the payment gateway can handle high volumes of transactions without any issues or slowdowns.

  9. Verify that customer support is available and responsive in case of any payment-related issues or questions.

  10. Ensure compliance, as it’s important to ensure that all payment processing is done in accordance with industry standards and regulations. This includes verifying the identity of customers, protecting their personal and financial information, and adhering to anti-money laundering laws.

Thats it! So, all these steps can help protect your business and customers from potential fraud and other risks.


Well, that’s a wrap on our guide to payment gateway testing! We hope you found it helpful and informative. As we’ve outlined, payment gateway testing is crucial to ensure a smooth and secure payment process for your customers. Remember, testing is an ongoing process, so be sure to regularly test and update your payment gateway to ensure it continues to meet your customers’ needs. Happy testing!

Frequently Asked Questions

How to do API testing of the payment gateway?

API testing of the payment gateway involves verifying that the API functions correctly and securely. This can be done by sending requests to the API and checking the responses for accuracy and consistency.

What is a payment gateway example?

A payment gateway example is a service that authorizes payments for online merchants, allowing them to accept credit cards, electronic checks, and other customer payment methods. Examples of popular payment gateways include PayPal, Stripe, Apple Pay, Square, Amazon Pay, and Authorize.net.

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