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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.

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