The rise of e-commerce platforms is there to see for everyone. In today’s world, you can get almost anything from an online platform, be it the most expensive jewellery sets or your grocery items. With the majority of transactions done with credit and debit cards, the payment method has to be secure to keep these payments safe and secure against any possible threat.
According to Statista, the global e-commerce market will cover at least 17.5% of the market share by 2021 and that is in just two more years. Paypal, one of the biggest payment gateway companies in the world has 227 million active users worldwide, just proving the fact how many millions of people are doing it. With the banks too aware of this digital shift in the market, they are making sure that the transactions are smooth and safe from their end. For all these transactions, the one thing that makes the process secure is the use of a payment gateway that is there to only make this possible.
What exactly is a payment gateway?
An online Payment Gateway provides a tunnel that connects your bank account to the online e-commerce platform while you are paying for the goods you just bought. A PG is basically a software that sanctions you to go ahead with the online transaction, either through net banking, credit or debit or the innumerable online wallets like Paytm, Freecharge, PhonePe and so on. A payment gateway plays the role of a third party that overlooks the transaction, making it perfectly secure.
A PG first encrypts the payment transaction, before authorizing the transaction and then finally transferring the information from the sender to the receiver. Once the transaction is done, the payment gateway sends the response of the success or failure to the user as well as the bank. The astonishing part about all this is that everything happens in a matter of a few seconds.
How does Quality Assurance play a role in PG?
Since a payment gateway deals with a lot of sensitive information, the most important thing is the fact that it has to be incredibly secure. However, with millions of people indulging in transaction from such gateways, any drop in quality means a threat to the security of the data. If the data gets leaked by any means, the users won’t like it at all, leaving the reputation of the company in jeopardy. Therefore, the only way to make sure that all this makes sense is with the help of a good QA and testing team that keeps the software secure and working at all costs.
What all does Payment Gateway Testing involve?
A Payment Gateway Testing is something that needs meticulous planning to ensure security, authorization, web service connectivity and data encryption. Therefore to make such things possible, it requires the execution of the planning on multiple levels with utmost dedication and accuracy. To make these things possible, the four main tests are as following:
The functional testing in a payment gateway makes things like presenting payment options to the user like credit/debit card, net banking, cash card and so on. Furthermore, it also ensures that the software gives the user, currency options, according to the geographical locations. In case of an interrupted payment or transaction, the user should understand the message clearly.
Integration testing is very important as it ensures a smooth transaction flow and payment validation. It checks for compatibility of the PG on different platforms, be it a mobile or a tablet or a computer. It also checks whether the order placed is correct, whether the amount deducted is correct or during a refund whether the user gets the full payment.
In a payment gateway, the security testing is obviously the most important test there is, as it ensures that all the data is safe and encrypted. Apart from the encryption of data, it performs multiple tasks like testing of information channels and server-connected web services, presence of required SSL certificates, maintenance against vulnerabilities like SQL injections, spoofing and cross-site scripting.
Performance testing is important to make sure that the gateway performs sublimely even if it faces a lot of traction. The gateway should not crash if it sees too much traffic. That just does not go well with the users and also puts the sensitive information at risk. The performance testing tests the software under different loads and under different environment, giving it all the conditions that it might face in a real world scenario. It also checks whether the server has sufficient space and memory.
Since the payment gateway carries critically sensitive data, it is important to make sure that the gateway is safe and secure across multiple platforms and even when millions of people are using it. Therefore, you need to get your software go through a thorough check of Payment Gateway testing with the help of automation tools and other AI functions.