Testing Payment Systems in Your App

Payment system testing should be integral to any company’s business. Learn why they require constant improvement for proper functioning.

What is payment testing, and why is it important for your business app?

A payment system is a set of technical procedures through which the system’s users can carry out operations to transfer funds between legal entities or individuals. Google Pay, Apple Pay, etc.: the main function of any of these systems implies the circulation and transfer of monetary resources. Within the last ten years, the industry’s revenue has grown by over 200%, reflecting the rising demand for peer-to-peer payment systems. A corporate payment system will allow business owners to create the most comfortable financial environment for their clients. 

Payment system testing represents a process of further diagnosing and improving software to increase its performance. This procedure requires using various specific tools and approaches for identifying bugs to receive the data about the crucial indicators of system functioning. The developers pay specialist attention to the speed of transactions and their security. 

In this case, the process of testing covers the following elements of the payment system:

• payment gateway
• payment processors
• payment methods

Testing the payment systems is important for business apps due to the strong impact on customer behavior and sales profitability. The emergence of any error at any transaction stage can demotivate the client to purchase services or products. At the same time, simplified and secure payment mechanisms significantly increase the business’s profitability in general. 

Types and key features of payment testing

Testing payment systems is important in ensuring the safety and reliability of financial transactions. Beta testing apps allow business owners to use functional digital products, turning them into part of the company’s e-commerce services. Such a threat-resistant channel for monetary transactions motivates clients to purchase in a few clicks. 

Crucial features of payment testing involve the following aspects: 

Functional testing. It includes checking the correct operation of all functions of the payment system. The developers pay attention to such elements as transfers, payments for goods and services, and deposits and withdrawals of funds.

Security testing. The procedure requires monitoring vulnerabilities, leading to unauthorized access to user data or manipulation of funds. In this case, the clients will protect their data from theft.

Performance testing. The specialists initiate the activity to assess transaction processing time, checking for fault tolerance and system scalability. The clients should be able to make payments in seconds to save time by increasing company profitability.

Compatibility testing. The developers check the correct operation of a payment system on various platforms and devices. This point is especially significant regarding the difference between Android and IOS. 

User interface testing. The assessment of usability to reveal the errors and design inconsistencies makes the apps user-friendly and intuitive for the target audience. 

Localization testing. The procedure implies an analysis of digital tools’ navigation options. The location of the target audience and application users is crucial for her transactions. 

The attention to all of the payment system details makes it as productive as possible to meet the client’s needs. 

Payment testing on real devices. Why it’s important for your business

Testing apps for money represents one of the most important procedures to achieve program performance and customer satisfaction. The developers can reveal the complex issues to eliminate them by improving the digital tools. 

Payments testing on real devices is important for business due to the following factors: 

Eliminating bugs. This procedure allows developers to identify problems in real operating conditions from the point of view of the average user. Its results solve problems with transaction speed, interface operation, and understandability for the target audience.

Optimization of payment systems for device OS. Real testing allows specialists to analyze the system’s operation using IOS and Android for mobile devices. In this case, the payment system is completely synchronized with the requirements of mobile gadgets to meet compatibility needs.

Improving software product options. The proper functioning of payment systems requires constant changes to remain relevant. Testing on real devices allows business owners to introduce innovations promptly to increase competitiveness.

The real conditions for testing represent an endless source of data for the developers to analyze during the process of payment system improvement. At the same time, it requires a high level of competence from the developers engaged in the software investigation procedure. 

How to test payment functionality?

To provide a high-quality solution, functional testing verifies that payment software operates according to the previously agreed algorithms. The developers can find and rank online and mobile app bugs using functional QA testing services. The functionality’s security is vital since such errors can let hackers steal from the company, utilize credit card information obtained from other customers, or even commit fraud. 

Payment testing of functionality implies the following phases and actions:

Scope. The process involves specifying the available payment methods, currencies, and locations. This data allows a test engineer to determine the appropriate testing scope.

User Profiles and Use Case. During this step, the developers pay attention to the nuances of the user profiles and the potential needs of the target audience. The process of testing occurs based on the modeling of user actions. 

Test Cases. The specialists draft test cases that provide the developers with a step-by-step procedure to test the functions of the payment system based on the initial research results. 

Runs. The QA testing professional writes down details of the outcomes each time the test case is executed. They indicate whether it succeeds or fails. The records include the description of the bugs and errors. 

Results Analytics and Reports. After the developers collect the necessary data and reports, they use them to provide information about the software’s general stability.

The step-by-step implementation of these actions allows specialists to obtain the necessary data for improving payment systems during their testing. In this case, the users can enjoy complete optimization of digital products.

What is a mobile payment gateway? How to choose the proper option?

A Mobile Payment gateway is a service that helps users make money transactions online. It accepts credit cards, debit cards, net banking, and other payment methods from the customer to complete the transaction. Payment gateway services encrypt sensitive information such as card numbers, CVVs, passwords, pin codes, etc. They are integrated with e-commerce platforms to make and receive payments. With the rise of digital payments on e-commerce platforms, business owners have started to provide customers with secure and convenient payment gateways that can withstand high loads without disruption.

The mobile gateway selection requires close attention to the following factors: 

• Safety
• Price
• Possible payment methods
• Compatibility
• Payment form location

Payment solution testing provides an opportunity to reveal the shortcomings of any system. Mobile payment gateways operate as intermediaries, processing the information entered during checkout, performing authorization, and transferring payments to sellers. They are also used in classical trading.

Payment gateway testing use cases

Payment processing problems with a web or mobile app can lead to serious financial issues, such as lost money, overpayments or underpayments, fines, and wasted time finding and fixing faults. In addition, the company can lose the respect of clients and partners. 

The following use cases for payment processing emphasize how difficult it is to maintain effective financial transactions across several payment systems:

Credit Card Validation. Depending on the extent of a credit card’s support, it may be required to verify certain details based on the country, currency, and banking system. Several checks should occur before processing to ensure that user input matches the anticipated forms.

Connection Status. The program should connect with an external processing system before beginning a payment and keep it open without timeouts until the transaction is finished. To restart the transaction during a disconnection, messages should be issued to the user and the external system using a straightforward approach.

Payment Confirmation. A transaction must be verified and sent to the user as soon as it is finished. The company’s software also needs to log the payment confirmation.

Verify Other Transaction Data. After completing the transaction, the developers must verify all other data the systems support, including taxes, regulatory requirements, and platform billing standards.

The beta testing apps allow the specialists to control and manage all these processes. Mobile payment gateways save time and reduce work. They also provide flexibility in the payment methods customers can use. Their proper functioning increases the likelihood of making sales, expanding the ability of customers to choose the appropriate payment method.

What benefits does testing payment functionality provide for a business?

Businesses can benefit from testing payment functionality at all stages of company improvement. They lead to a high return on investment and increase company profitability caused of the advanced client-oriented approach in digital services. 

The payment solution testing causes the emergence of the following advantages for business:

• The ability to gain remote access to funds allows the clients to carry out transactions at any time, avoiding bank transfer limitations.
• The user can easily and quickly pay for goods or services using electronic money, eliminating spending a lot of time on such operations.
• Fast transactions that only take a few seconds to complete by saving time. Processing bank payments can sometimes take up to several days.
• Accessibility and ease of use, since each person can register in such a system in just a few minutes and can immediately carry out transactions.
• An opportunity to issue plastic cards with a fee for servicing services.
• Complete control over the movement of funds in the system.

Each company can reveal the specific benefits of testing payment functionality for its activity. However, all business owners should perceive them as integral to corporate growth. 

Key features and insights on testing payment systems from TRIARE

TRIARE has advanced experience in payment solution testing. It allowed the developers to share invaluable tips and working algorithms with their clients to improve their business potential. TRIARE revealed the Top-4 Online Payment Systems for their further use as a basis for developing smart digital products. 

With the development of e-commerce, various systems for electronic payments began to appear, the range of functions of which is regularly expanded and supplemented. Such systems have long been reliably and deeply integrated into clients’ lives, becoming a coherent part of transactions on the Internet.

Payment systems using electronic money are the most convenient ways to carry out financial transactions to perform actions in the following areas:

• Payment of taxes, utilities, and fines.
• Making payments for the services of mobile operators and Internet providers.
• Money transfers.
• Purchasing goods in online stores and games.
• Repayment of loans.
• Currency exchange.

Electronic systems conduct transactions quickly and eliminate the need to count change. This approach is beneficial for service providers, sellers, and users themselves. TRIARE has successful cases of integration of payment systems into such applications as Warehouse and eVinci.

Conclusion

TRIARE focuses its clients’ attention on current issues and the importance of constant innovations. Payment solution testing becomes the primary way to reveal the most productive ways for clients to enjoy purchasing goods and services. The developers introduce the necessary digital changes to make the process of money transactions fast and secure. Such an approach is the primary way to achieve business goals by gaining a competitive advantage.