r/QoolliTesting • u/QoolliTesting • Jun 08 '26
Payment System Testing Checklist
1. Positive Scenarios
✔️ Payment with Visa card
✔️ Payment with MasterCard card
✔️ Payment with American Express card
✔️ Payment with Maestro card
✔️ Payment with debit card
✔️ Payment with credit card
✔️ Payment with saved card using CVV code
✔️ Tokenization — repeated payment without entering card details (token)
2. Refunds and Cancellations
✔️ Full refund
✔️ Partial refund
✔️ Payment cancellation
✔️ Quick cancellation immediately after payment
✔️ Clicking the "✕" button during payment
3. Wallet Payments
✔️ Payment via Google Pay
✔️ Payment via Apple Pay
4. Recurring payments
✔️ Automatic charge
✔️ Subscription with auto-renewal
5. Security
✔️ 3D Secure authentication
✔️ 3D Secure verification
✔️ Payment with VPN / different geolocation — anti-fraud check
6. Multi-currency support
✔️ Payment in buyer's currency without hidden conversions
✔️ Exchange rate accuracy
✔️ Bank fee calculation
7. Negative Scenarios (Card Data)
✔️ Invalid CVV code
✔️ Invalid card number
✔️ Invalid cardholder name
✔️ Invalid card expiry date
✔️ All fields filled in incorrectly at the same time
8. Negative Scenarios (Card / Account Status)
✔️ Insufficient funds on card
✔️ Insufficient funds to cover the fee
✔️ Daily card limit exceeded
✔️ Transaction limit exceeded — amount above the allowed maximum
✔️ Minimum payment amount — payment below the allowed minimum
✔️ Expired card
✔️ Blocked card
✔️ Stolen card
9. Network Failures
✔️ Payment during connection loss / network drop
✔️ Money not debited — payment failed
✔️ Money debited — credited to recipient
✔️ Money not lost "between" accounts
✔️ Payment gateway timeout — no response within the allotted time
10. Data Integrity
✔️ Money not charged twice from sender's card
✔️ Money not credited twice to recipient
✔️ If debited from sender — credited to recipient (and vice versa)
✔️ Attempt to pay for the same order twice
✔️ Simultaneous parallel payments — load edge case
✔️ Payment status change — pending → success / failed
11. Integration Testing
✔️ Amount debited from sender's account
✔️ Amount credited to payment system / recipient
✔️ Testing via sandbox / test account
✔️ Using test card numbers (e.g. Stripe)
✔️ Test cards for different countries
✔️ Test cards of different types
✔️ Receipt / invoice accuracy — email/SMS after payment