You all must be cognizant of the payment gateway page, while using an e-commerce website for the purpose of online shopping. It is an established mechanism or service, which licenses and process the payments using the credit card. It acts an an intermediate or medium which encrypts the confidential data & information to carry out safe and secure transactions between the customer and the merchant or retailer.
Usually, a payment gateway is linked with the merchant account and transaction is carried out, when user's account also gets linked to the payment gateway through data and credentials provided by the customer.
Generally, payment gateway system is categorized under two types:
The Customer is being directed to payment gateway page or link outside the domain of the e-commerce website. After the completion of the payment process, the customer is redirected back to the e-commerce website. Paypal and Worldpay are the examples of hosted payment gate-way.
In shared payment gateway, customer is directed to payment gateway link inside the domain of the e-commerce website. The customer stays on the website proceeds with the payment process. Examples: eWay, Stripe.
It's an e-commerce testing technique which is used to evaluate the functioning and other features of the payment gateway system, associated with an e-commerce website in order to ensure effective and hassle free transaction between the user and the merchant. Generally, it involves the process of simulating the end to end transaction process in a real environment to examine all the functionalities and aspects pertaining to a payment gateway system.
Payment gateway testing may be performed keeping in view, four major aspects that need to be assessed and evaluated. These are:
To check the basic working of the payment gateway. Whether the payment gateway is functioning appropriately and expectedly, what it supposes to do. It may also include other features also, like if the calculation is correct and as per the standards of a particular country (like Value added Tax-VAT, transaction or processing fee), etc.
If the payment gateway is compatible and able to integrate with the variant types of cards.
This may involve, the identification of the performance measures or metrics such as number of users per day accessing the website and accordingly, calculating the maximum possible concurrent users.
Hackers and crackers are making best use of the technologies to break into the system. Therefore, payment gateway should be strong and secure to nullify the effects of malicious attacks.
Below given are some of the possible testing scenarios, which may prove to be useful in performing payment gateway testing.