Importance and Intricacies of Testing the integration of Payment Gateway

Considering the importance of a payment gateway for any e-commerce platform in today’s time, the information here may be extremely useful. The intricacies of a payment gateway integration with an e-commerce platform include a lot more than it being able to validate a credit card for a transaction or not. Various factors go into consideration for the same. Be it any e-commerce platform, if it wishes to receive payments online, it needs a payment gateway with robust services to offer. It is also imperative to understand the payment options that are available with a payment gateway.

Two Payment Options to select from

A payment gateway, when integrates with an application or an e-commerce platform, helps it receive payments via two payment options:

  • Hosted Page redirects the customer from e-commerce platform/portal/application to the payment gateway where the customer selects the payment option and fills in the card details. In this case, designing of the page or validations are not required. This option keeps the card details with the payment gateway, which makes it highly secured. It does not even need PCI DSS compliance.
  • Embedded Form lets the end user (customer) remain on the e-commerce platform/portal/application to make the transaction happen without redirecting him/her away. This option needs the e-commerce platform to design their own payment page and provide validation check at the application end only. Since all the card details here are stored in the application, it requires high level security to be maintained with PCI DSS compliance.

Testing the Integration

For testing the integration, there needs to be an understanding of the core of “a payment gateway”, and for that, one must understand its working.

Below you will find the step-wise working of a 3D secure payment gateway starting from:

Now, as the working of a 3D secure payment gateway is clear, we can move to testing the integration of a payment gateway with the mobile application (e-commerce platform). For making sure of seamless transactions, a QA (Quality Assurance) analyst does a thorough study. It is the study of all API documentation across the payment gateway, which enlists the response codes and the way to perform testing across them with each test card. Since the documentation carries entire vital information required to test the integration, it is very important to have a QA Analyst study it thoroughly.

Test cards are required for Testing different available cards and the response codes associated with them. To unveil the integration level between a payment gateway and an application (e-commerce platform), one can verify the response at both application end as well as payment gateway end. For an example, if the testing across the card reveals response code detailing as insufficient funds available or expired code, then the same response should be displayed on the payment gateway dashboard. There should be no mismatch, like the display of “payment confirmation” at the application end while it is showing “failed due to insufficient funds/expired code”, etc. at the payment gateway end. In case of such a mismatch, the end-user will get the wrong information and thus, it should be resolved. There can be different response codes for different payment gateways, and hence, every payment gateway must ensure of a proper integration for a clarity at both the ends.

Validation of 3D Secure Payments

By now, it is quite clear that integration between the application and payment gateway holds great importance. Alongside, it is as important to understand the implications of 3D secure payments and its validation. Since 3D secure payments authenticate the cardholder (reduce likelihood of fraud) with its issuing bank, it is of utmost importance to make sure it works smoothly. Some payment gateways do not require implementation of 3D secure payments separately. If a payment gateway implements 3D secure payments separately, it is required to test that as well. This is imperative to make sure that 3D secure-enabled cards work without any interruption with the 3D secured payment gateway.

Embedded Payment Form

In case of embedded payment options, User Interface (UI), Validations and Security checks are required from application end and thus, testing happens for the same.

For validations, testing of card number, CVV and validity checks takes place.

For testing proper functioning of UI, it is extremely imperative to test the embedded forms in multiple browsers and devices like mobile phones.

For testing the security of the application, it is important to verify whether the application is safe enough for storing several card details or not.

Since the technology is advancing at such a rapid rate, it is the need of the hour to make sure that the integration is thoroughly tested from the functional as well as security aspects. Customers or end-users seem to remain loyal to the platforms that provide them with seamless experience with regard to making payments as well. Hence, this testing is extremely imperative to maintain customer loyalty. Furthermore, in today’s time, an increased competition has left no room for flawed activities especially with regard to transactions. Every end-user expects to witness no fraud while making payment. Having said that, it is crucial to keep in mind that a deep driven test of integration between an application and payment gateway is the key to sustaining!