
What are the steps to test payment gateway integration before going live?
Set Up Test Environment
- Access your gateway’s sandbox (test) mode via the merchant dashboard.
- Generate test API keys for integration — these are different from live keys.
- Enable test configurations on your e-commerce site, mobile app, or checkout page.
- Use sandbox plugins for platforms like WooCommerce, Shopify, or Magento.
- Secure your test environment with HTTPS to mimic real-world usage.
Implement All Payment Options
- Integrate and test all available methods: credit/debit cards, UPI, net banking, wallets, EMI.
- Include dynamic currency conversion if using international payment support.
- Ensure the payment page is mobile-friendly and loads within 2–3 seconds.
- Use test credentials provided by the gateway (e.g., dummy card numbers, UPI IDs).
- Validate fallback scenarios like timeouts, incorrect OTPs, and declined transactions.
Validate Functional Workflows
- Confirm successful payments update order status and trigger confirmation emails.
- Verify failed payments don’t generate new orders or invoices.
- Test refund API calls and ensure they update records correctly.
- Check whether webhook notifications are received and processed in real-time.
- Log all responses and callbacks for further validation and debugging.
Review Security and Compliance
- Confirm no sensitive data (card, CVV, OTP) is stored on your server.
- Validate that payment flows use secure connections (TLS, HTTPS).
- Test fraud checks, OTP flows, and 3D Secure pop-ups.
- Check audit logs and logs for transaction tracking.
- Run accessibility and screen reader checks for inclusive payment experience.
Final Testing Before Live
- Perform end-to-end testing across browsers (Chrome, Firefox, Safari) and devices.
- Use multiple user roles (guest, logged-in user, admin) to validate access control.
- Document all test cases and expected results for internal QA.
- Once testing is successful, switch to live mode using production API keys.
- Retest critical flows after live deployment to ensure nothing breaks.