Payment gateway test cases - A definitive guide

Writing test cases requires testers to think creatively, as creating scenarios and cases that could potentially uncover hidden bugs or defects in the software can be challenging. It's like solving a puzzle where testers must anticipate how users might interact with the software unexpectedly. Creating payment gateway test cases is a different type of monster, as users expect high functionality and security so they can pay fast and keep their credentials safe. In this guide, we will go through a detailed explanation of how to write payment gateway test cases. Let's begin!

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Payment gateway testing fundamentals

Payment gateway testing involves checking the performance and safety of an online payment system. There are two types of payment getaways. A hosted payment gateway gathers payment details on another website, while multiple merchants use a shared payment gateway.

Testing types to perform while testing payment gateways

Here are the various types of tests you can conduct to ensure thorough testing of payment gateways:

  • Functional testing: This allows you to test the payment gateway's functionality, including transaction processing, error handling, refunds, cancellations, and chargebacks.
  • Security testing: Check for security vulnerabilities, including data encryption, secure sockets layer (SSL) certificates, Payment Card Industry Data Security Standards (PCI-DSS) compliance, and cross-site scripting (XSS) vulnerabilities.
  • Performance testing: Test the payment gateway's response time, load handling capacity, and scalability under peak and low volumes.
  • Compatibility testing: Check if the payment gateway works with different browsers, devices, and operating systems.
  • Usability testing: Ensure the payment gateway's user interface is intuitive, user-friendly, and meets accessibility standards.
  • Regression testing: Perform regression tests to ensure system changes do not impact the payment gateway's functionality.
  • Accessibility testing: To make the payment gateway available to a broader range of users, check whether it meets accessibility standards, such as those set by the Americans with Disabilities Act (ADA).
  • Localization testing: The payment gateway should be tested with various languages and currencies to ensure it meets the needs of the international market.
  • Integration testing: Test the payment gateway's integration with other systems to ensure a seamless user interface and correct data transfer.

Pro Tip

For payment testing services, Global App Testing offers testing with real users, virtual cards, global coverage, and compliance-focused testing that can be scaled as needed. This ensures seamless payment processing across all payment types and devices worldwide. Additionally, we provide the following testing types:

  • Usability testing: Evaluate user experience across various devices and platforms to make sure everything works seamlessly.
  • Accessibility testing: Testing compatibility with assistive technologies and ensuring accessibility for users with disabilities or impairments.
  • Functional testing: Tests significant functions in any browser or operating system.
  • Regression testing: QA that ensures new changes or upgrades don't negatively impact the functionality of the product stability over time.
  • Localization testing: Evaluating app performance for various international markets, ensuring local relevance and compliance.
  • Compatibility testing: Testing across various browsers, devices, operating systems, and network configurations.

Key elements of every test case

Efficient software testing relies on well-crafted test cases with key elements for thorough validation. Here are some key elements to focus on while writing test cases:

  • Clearly define what needs to be tested.
  • Write test cases that are easy to understand and follow.
  • Document test cases, including inputs, expected results, and preconditions, for easier execution.
  • Include step-by-step instructions for executing the test cases.
  • Use test data that is representative of actual scenarios and situations.
  • Verify the expected outcomes and compare them against the actual results
  • Include both positive and negative test scenarios to ensure complete coverage

How do you write a payment gateway test case?

Before testing the payment gateway, it's important to plan your testing well. Here's what you should consider when writing a payment getaway test case:

  1. Understand the payment gateway's specifications and determine the testing scenarios.
  2. Create test cases that cover edge cases, boundary conditions, error messages, and various payment methods.
  3. Outline the payment flow and ensure it's tested thoroughly, including transactions, refunds, cancellations, and chargebacks.
  4. Verify all fields are properly validated, including card details, transaction IDs, CVV, and expiry dates.
  5. Test with various card types, including domestic and international credit and debit cards and test card numbers.
  6. Account for multiple currencies and ensure conversions and calculations are accurate.
  7. Test the payment gateway's response time and load handling capacity under peak and low volumes.
  8. Document all test cases and their outcomes in detail, including screenshots and logs.
  9. Perform regression tests to ensure the payment gateway's functionality is not impacted by changes made in the system.

Payment gateway test case examples

Here are payment gateway test cases categorized into four main types: UI, functionality, security, and performance.

Usability test cases for payment gateway

Test case title: Check the visibility of labels and boxes

  • Test case description: Verify that all labels and input boxes on the payment page are visible to the user.
  • Preconditions: The user is on the payment page.
  • Test steps:
  1. Inspect the payment page to ensure all labels and input boxes are visible without scrolling.
  2. Verify that the labels are properly aligned with their corresponding input boxes.
  3. Confirm that all input boxes are enabled and responsive to user input.
  • Expected result: The UI design displays all labels and input boxes without scrolling, aligns them properly, and ensures their responsiveness.

Test case title: Verify visibility of payment options

  • Test case description: Confirm that all available payment options are visible and accessible to the user.
  • Preconditions: The user is on the payment page.
  • Test steps:
  1. Navigate to the payment options section of the page.
  2. Verify that all payment options (e.g., credit card, PayPal, bank transfer) are displayed.
  3. Confirm that each payment option includes relevant details or instructions for selection.
  • Expected result: All available payment options are visible and clearly presented to the user.

Functionality test cases for payment gateway

Test case title: Verify mandatory information validation

  • Test case description: Ensure that the payment page does not allow proceeding to the payment step until all mandatory information is filled.
  • Preconditions: The user is on the payment page.
  • Test steps:
  1. Attempt to proceed to the payment step without filling in mandatory information.
  2. Observe the behavior of the page when attempting to proceed.
  • Expected result: The page displays error messages or prompts the user to fill in missing mandatory information before proceeding to the payment step.

Test case title: Confirmation message for successful payment

  • Test case description: Check if the user receives a confirmation message or email upon successful completion of the payment.
  • Preconditions: The user has initiated a payment transaction.
  • Test steps:
  1. Complete the payment process successfully.
  2. Check for a confirmation message on the payment page or in the user's email inbox.
  • Expected result: The user receives a confirmation message or email confirming the successful completion of the payment transaction.

Security test cases for payment gateway

Test case title: Masked credit card information

  • Test case description: Verify that credit card information is displayed in a masked format to enhance security.
  • Preconditions: The user is on the payment page and entering credit card information.
  • Test steps:
  1. Enter credit card information into the designated input field.
  2. Observe the format in which the credit card information is displayed.
  • Expected result: Credit card information is displayed in a masked format (e.g., only the last four digits are visible) to protect user privacy and enhance security.

Test case title: Secure payment channel

  • Test case description: Ensure that the payment is conducted through a secure HTTPS connection.
  • Preconditions: The user is on the payment page.
  • Test steps:
  1. Check the URL of the payment page to verify it starts with "HTTPS://" instead of "HTTP://".
  • Expected result: The payment page URL starts with "HTTPS://," indicating a secure connection for payment transactions.

Performance test cases for payment gateway

Test case title: Concurrent user load testing

  • Test case description: Check if the payment gateway remains stable when multiple users use it simultaneously.
  • Preconditions: Multiple users are simultaneously accessing the payment gateway.
  • Test steps:
  1. Simulate a scenario with multiple users attempting to make payments simultaneously.
  2. Monitor the behavior of the payment gateway during simultaneous usage.
  • Expected result: The payment gateway remains stable and responsive without crashing or experiencing significant delays, even under heavy concurrent user load.

Test case title: User session persistence

  • Test case description: Ensure that the user's session remains intact when navigating back from the payment page.
  • Preconditions: The user is logged in and navigated to the payment page.
  • Test steps:
  1. Complete the payment process up to the payment page.
  2. Navigate back to the previous page using the browser's back button.
  • Expected result: The user remains logged in and retains their session upon navigating back from the payment page without being logged out unexpectedly.

Final thoughts

In conclusion, writing thorough test cases for payment gateways is essential for ensuring financial transactions' accuracy, reliability, and security. By carefully identifying potential issues and testing all possible scenarios, developers can help prevent errors that may lead to financial loss or reputational damage. This ultimately protects the end user and the business.

How can Global App Testing assist you in payment gateway testing?

Suppose you need support creating, executing, and managing payment gateway test cases. In that case, our experienced team of testers and QA professionals can help you ensure your software is reliable and ready for launch. Among other types of testing, we provide testing from payment gateways to crypto transfers, and additionally:

  • We test across various devices, operating systems, and network conditions, providing coverage for real-world scenarios.
  • We provide feedback on user experience and detailed reports on payment gateway test cases, complete with insights and actionable recommendations.
  • With over 90,000 testers in 190+ countries and territories, our crowdtesting approach provides wide testing coverage.
  • Our testing processes can integrate with your existing development workflows, ensuring a smooth transition from development to testing and deployment.


Interested in hearing more about streamlining your payment gateway testing?
Schedule a call today to learn more about how we can enhance your payment gateway testing process.

We can help you drive payment gateway as a key initiative aligned to your business goals

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Does payment gateway testing ensure compliance with industry regulations?

Yes, payment gateway testing ensures compliance with industry standards like PCI DSS, GDPR, and other regulatory requirements.

Can payment gateway testing help businesses improve their competitive edge?

Yes, by ensuring a secure, reliable, and user-friendly payment experience, businesses can enhance customer satisfaction, build trust, and gain a competitive advantage in the market.

Can payment gateway testing be customized to meet specific business requirements?

Yes, payment gateway testing can be tailored to align with business needs, objectives, and regulatory compliance requirements, ensuring the system's suitability in meeting business goals.

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