Verify the transaction has to be refunded or void. Click on submit and scroll down, you will then be able to see the form data which specifies your appId, orderId, signature and other relevant information. . 8800411088@upi : . Id appreciate your comments on the test cases. From the perspective of the merchant, the integration should be simple. test@unionbank 50 Yearly 05-06-2018 05-06-2018 MANDATE HISTORY Mandate Payments $ $ Indicative. Check that Payment should not be made for illegal products, services, or activities. Check the cancel button if the customer doesnt want to proceed with payment. There are 2 types of the payment gateway system. Select the transaction you want to report a complaint for. After the verification is complete, you may create your Virtual Payment Address (VPA). Check if at least one of the drop-down buttons near the bank logo is selected by default. Hope !!! It is important for a gateway to undergo these tests so as to ensure that it does not crash when multiple transactions take place altogether. It's processing 2.7 times more instant payment transactions than China (18 billion in 2021). Check-in case Money is debited from your account, but payment or recharge is not made successfully. Check that the valid amount should not be paid by invalid mode, currency, cheque, etc. Digital transactions with UPI platforms have become omnipresent in India - with local saloon to the chaiwala to the auto driver accepting UPI payments. It acts as a point of identification. Check the Notification detail on the Email with the total amount received by the customer. Tap on Raise a Concern to fill in details online, or you can tap on Call bank to convey it over the phone via the toll-free number.. Steps to Report and Get Refund Via Google Pay UPI. Now mobile device users have to punch in their numbers on an app linked to their bank accounts, and the transaction is complete! Check if the information of credit/ debit cards is encrypted. Level 2 contact and contactless testing platform. That no matter if you're sending money to Paris or Pune, it would be as easy as clicking a button. Check if the EzeClick option lets you link to the external site from which you can perform the rest of the transaction. Though several developed nations have privately-held real-time payment system wallets like PayPal, most still need a centralized system due to their federal nature. Verifies plan queries or offered services shown on the user profile. The user can pay the bill to the merchant account using the wallet. You can add validation for the text fields. In a shared payment gateway, while processing payment customer is directed to the payment page and stays on the e-commerce site. Ensure if the link is HTTPS and has a Cashfree domain. Collect proper test data for the dummy credit card number for the maestro, visa, master etc. This is not always the case. Ensure that the refund is credited to the customer in a given time frame as mentioned in the terms and conditions. Verify that the correct currency is reflected on the page. The Payment Card Industry Data Security Standard (PCI DSS) has been created to increase controls around the data provided by the cardholder, in order to mitigate the risk of credit card fraud. Check that Payment by force should not be made, and proper security measures should be followed to stop this activity. Verify the factor that accurate card number, accurate CVV, accurate holder name, and accurate date of expiry are provided by the user. Unified Payments Interface (UPI . Covers the functional aspects of a payment gateway like whether: Involves testing whether the payment gateway: Ensures the security of transactions and payment details used by the consumers (also involves tokenization of customers details for enhanced security), Ensures that the merchant receives the payment into the merchant account as per the chosen settlement cycle (or default). Check if the gateway does what it is supposed to do. At the time of payment verify that the portal is redirecting to the users bank account. Performance: Identify various performance metrics like the highest possible number of users coming through gateways during a specific day and converting them to concurrent users. Handling Disable and Enable Field In Selenium How To Verify Elem, Test Cases and Scenarios Tutorial Test Cases For Image upload func, Test Cases and Scenarios for Text Boxes and Text Areas Here!!! Verify if the OTP reaches only the verified number linked with the card. A technical support team with chat support can resolve the problems which will be beneficial for the customers. Not to mention, QR code tampering fraud is also very low with UPI, giving you peace of mind when making transactions. A recent report by ACI Worldwide payments highlights that a total of 118.3 billion real-time payment transactions got made globally. Verify the payment gateway company logo or name. So for manual testing, lets start with writing test cases for each payment option. The steps are as under: Download the UPI application on your smartphone. Check the currency according to the country. It is an assistance that accepts or declines the transaction between the customer and the website that is using the gateway. UPI had processed 889 crore transactions in April. 7. . When it comes to making electronic payments, the UPI is a game-changer. Check the Thank you page or successful msg after Payment is made successfully. With push-to-pay and push-to-receive transactions, UPI eliminates the need for exchanging cash. P.S. If you want to provide a smooth payment experience to your customers then payment gateway testing is of utmost importance. This pin gets used to authenticate every transaction, so it's important that only you know it. Check for the return URL, notification URL, and status call to confirm payment status before marking the payment assuccessful., Test for email/message sent to the user as a notification for successful payment, Assess if the payment gateway returns to the app/website after every successful transaction. Join our Live Payment Gateway Testing Project for Free. Check if the processor is responding quickly. Once the download is complete, the software will prompt you to establish a virtual ID (identity). In case of a wrong OTP check, the payment is canceled. At the merchant side, the payment gateway test cases ensure that the entire process from payment debit at the customer's end to settlements/refunds work seamlessly. In this post, we will not discuss test cases for the Paytm app in detail, but indirectly we will validate one of the vital features of the Paytm App, which is the payment gateway. Verify your email and activate your account before you start transacting with your customers. Recurring Amount: It is a brand new feature where an automatic billing process is executed by the website on a period of interval. This number has now increased to. Verify the accounts holders name and the user purchasing the item is the same. Check that Payment should be made if all valid processes are completed step by step according to the Payment type. 3. And 6.5 times more than the combined transaction figure of the US, Canada, the UK, France, and Germany (7.5 billion). Out of which 40% or 48.6 billion transactions got made using UPI. They make the entire web-based shopping experience smooth and reduce the chances of online fraud. Unified Payments Interface (UPI): A Global Test Case? - LinkedIn Let us look at the different testing ways that we must take into consideration before launching a payment gateway. Check user can purchase the plan successfully after the user cancels its plan. Add these details while adding the beneficiary, and mock the transfer responses to the provided results. Malware Understand the flow in case a customer cancels the transaction in the middle of the process. Check as the user purchases the plan; the user plan status should be updated to paid without forcing the user to log out and then in. Check if the payment gateway does not crash if multiple users are using it simultaneously. Verify that when the customer session expires. What Makes India's Unified Payments Interface (UPI) A Global Test Case? The UPI is perhaps the fastest product to hit 2 billion transactions-a-month in 2020 since its inception in August 2016. . Check that the Payment return policy should be predefined. Modern payment gateways also securely approve payments via debit cards, electronic bank transfers, cash cards, reward points etc. This test ensures that the merchants website or online store is well integrated with the payment gateway. Once the victim keys their details (password or PIN) into the fraudulent site, the information is immediately passed on to the hacker for misuse. Once the payment is done, it will bring a customer back to an e-commerce site. Boris Johnson to bypass government, share COVID inquiry WhatsApp - UPI Tags: payment gateway testing tutorial, testing of payment gateway, test cases for payment gateway, Payment gateway test cases,payment gateway testing scenarios,payment gateway testing tool, How To Verify Element is Enabled or Disabled in Selenium, Test Cases For Text box - TextBox Testing, Test Cases For Email Id Field - Email Validation Test Cases, Test Cases For Mobile Number field - Scenarios for Mobile Number, Test Cases For Disable Field - In-Active Field Testing. The testing for the same would involve pointers such as security of personal and banking details, proper storage in an encrypted format and so on. These are: 1. Check test case user can upgrade or purchase plan during the purchased plan is active and the user allowed queries end. Paytm Dynamic QR Code Payments He is skilled in test automation, performance testing, big data, and CI-CD. OTP is another feature with passwords that leads to extra security while doing transactions. Check if the tab offers existing banks to be selected using the radio button for net banking transactions. This is your one-of-a-kind ID for making or receiving UPI payments. Hope !!! UPI is a game changer in the digital payments space. It ensures direct fund transfer between a customers bank account to a merchant bank account. Data to Test Integration. Verify if credit/debit card is concealed or not. Payment Gateway Test Cases - Tutorial with Testing Scenarios By Thomas Hamilton Updated January 25, 2023 Payment Gateway Testing Payment Gateway Testing is a testing of Payment Gateway in a system for online purchases and transactions by the users. Check without filling in details, then click on Payment. Check if the tab offers all the leading banks from the country for net banking transactions. Verify the payment gateway company logo or name. Check the plan assigned to the user is the same one selected by the user. This puts an impetus on us to be extra cautious. Also, digital wallets are a potential boon for companies collecting consumer data. https://merchant.cashfree.com/merchant/pg#api-key, Transforming Lives, One Strand at a Time: The Empowering Journey of 1 Hair Stop, Cashfree Payments Launches CVV-Less Payments on All Major Card Networks, Global Collections: Simplified Cross-Border Payments for Indian Exporters. It should not proceed for payment next step. Integration: Test integration with your credit card service. It assists you in completing your online transaction no matter what the payment mode is from net banking, UPI to online wallets. The websites of the payment gateway protocol need to be incorporated into the area where the business is performed. Payment Gateway Testing With Test Case , Scenarios , Checklists and Tools The purpose of payment gateway testing is to ensure the security, reliability and performance of a payment gateway by encrypting and securing the payment details between user and merchant while providing a smooth payment experience. Check if the amount deducted is the same as the amount mentioned. PDF FIGI - Financial Inclusion Global Initiative (FIGI) Website Payment Gateway Testing Guide: Test Cases, Types, Checklist, and More Unified Payment Interface-Usage Examples and Samples For card and netbanking transactions, you will be redirected to a Paytm maintained page. Type above and press Enter to search. Verifies whether plan remaining queries are shown on the user profile or not. Check what happens if the payment gateway stops responding in the middle of the transaction. UPI - Production Payment Flow 8. All you require to do is link your bank account with UPI, and you can access it. what are the test cases for location tracing or drive ? Test payment gateway functionality is the same as testing any other functionality. What Is UPI And How Does It Work? - Forbes Advisor INDIA It is an institution that facilitates communication between the bank of the customer and the website from which the customer is purchasing. Does it handle order objects correctly? UPI Transactions To Touch 1 Bn Per Day By 2026-27: Report Here you will have an option to make the transaction successful or failed. Phishing Phishing is the most common UPI fraud. A recent report by ACI Worldwide payments highlights that a total of 118.3 billion real-time payment transactions got made globally. Verify that all the payment options are visible. First, lets check out the payment gateway options screenshot. Verify the security setup or fraudprevention of the app. This incredibly convenient payment interface, initiated by NPCI in 2016, has revolutionized India's digital payments scene - for a good reason. An E-wallet, also known as a digital wallet, can go a long way toward facilitating frictionless purchases. PhonePe, Paytm, Google Pay, BHIM, MobiKwik, Uber, SBI Pay, and BOB UPI are some famous UPI apps. Check if the user can not access the dashboard if the plan expires. Payment gateways are also responsible for safeguarding the card details by encrypting the information for example encrypting the cardholders name and number. Verify the bank name reflecting on the payment page is the same as the user. Test the result if the gateway stops functioning as expected during the transaction. of a payment gateway by encrypting and securing the payment details of the customer. So you'll never have to fret over getting scammed again. An important case study for UPI's global expansion is Nepal as it could show the feasibility of replicating the platform's success in India from the ground up in a foreign market. I have decided to write this post for those who have asked for the test cases for the payment gateway in this post. i.e the link starts with HTTPS instead of the regular HTTP pages. Look at the database entry for every transaction, which should be in the right format. You can make use of it to send money quickly and securely. 3. Testing the payment gateway over metrics such as user experience, reliability, security and others helps ensure that both the customer and the merchant can maximize convenience and minimize the risks that come along with online payment. Top Online Payment Service Provider Companies in India. Check if the dropdown menu lists the following cards - Visa, MasterCard, American Express, etc. Do not allow the user to purchase a plan without email verification. Verify that the person gets notified if the wrong OTP is entered. Simplicity, a centralised facility that does not depend on a single bank, and a robust infrastructure built on the back. The volume of transactions was 18 per cent more than in February 2023 - 728 crores. All this information is sent from customer to merchant in an encrypted form when you do a transaction.0. UPI hits record 941 cr transactions worth 14.89 lakh cr in May For most consumers the ability to pay using a Virtual Payment Address linked to the bank account offers greater convenience than carrying a traditional wallet with multiple credit and debit cards. Check for the message on the user screen after each successful transaction. Verify if the page is secured from brute force or SQL injection attacks. It would be best if you had some test strategy while testing it. 2 min read Shayan Ghosh 10 Jun 2022, 01:00 AM IST. UPI or Unified Payments Interface is a single platform that brings all your bank accounts directly to your mobile device. 5. We will use "make_blobs" to generate our test data and will measure the accuracy of the fit model with accuracy_score. The Unified Payments Interface (UPI) processed a record-high of 941 crore transactions worth an all-time high of 14.89 lakh crore in May, according to data released by National Payments Corporation of India. You will be notified via email once the article is available for improvement. A payment gateway is an e-commerce application service that approved the online transaction made through the card. Check if the credit card number is masked or not. Check whether users can downgrade their plan or not during the plan activation. Check if the tab offers options to select banks other than those listed with the radio button selection. Ashok is a student and uses a video application (MyStar) that allows buying on-demand movie on his Android phone. UPI test cases FSS document - FIAKS UPI test cases FSS document Customers can make and receive payments in multiple ways including scanning QR codes, using messaging apps, paying online or via digital wallets. 24*7 Customer support: To fix any issue regarding payments customer support is necessary. We also provide a comprehensive range of skill sets and experience across all major industries. Payment Gateways are taking over E-Commerce transactions in an unprecedented manner and hence it is more important now than ever that we understand the working of our payment gateway not just how well it integrates with our website/ application but also how well it encrypts sensitive customer information. Have you ever wished that, like your emails and messages, you could pay seamlessly worldwide? Check if double payment is not occurring in any case. The user can add money to the wallet using Internet banking / Credit card / Debit Card. Once the payment detail is filled, the payment process proceeds. Collect dummy test credit card numbers that you can use to test different credit cards. Ultimately, providing customer- focused payment propositions and deliver engaging transactional experiences that WOW customers is a valuable opportunity to build a positive brand experience. This entails testing the basic functionality of the gateway. PDF UPI Use case (White paper - Nagendra) v2 - FIAKS . How to Test Payment Gateway Functionality? Check what happens in the backend during the payment process. This page explains the test instrument details which you can use to attempt a transaction on the staging environment. What are the types of payment gateway testing?