Steps for testing payments
- 1Turn on test mode
Every gateway has a test environment with separate keys. Make sure your test site uses those, not the live keys.
- 2Take test cards from the source
Their numbers are published in the gateway's official docs, one per outcome: success, decline, insufficient funds.
- 3Try every method you offer
Cards, wallets and installments if you have them. Each method is its own flow.
- 4Break the flow on purpose
Close the page during verification, go back, and press pay twice.
- 5Reconcile the results
Did the declined order stay unpaid? Did the confirmation message arrive only once?
Do and don't
- Use your own card or a customer's card for testing
- Write real card details in a report or a chat
- Test on the live site with live keys by accident
- Test mode and test cards only
- A test customer account with an obvious name
- One small real payment before opening, then refund it
What usually gets forgotten?
- The failure page: does it tell the customer what to do next?
- Refunds and cancellations from the admin panel.
- VAT and the invoice total after a discount.
- The customer's return from the verification page to your site on a phone.