ePayment Testing

7 Key Capabilities of Next Generation Payments Testing Solutions
7 Key Capabilities of Next Generation Payments Testing Solutions
Given the changes to the payments landscape over the past decade or so, it’s remarkable to think that most IT shops continue to rely on testing methodologies established in the 1980s for environments with significantly fewer demands.

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An Overview of Continuous Integration, Delivery and Testing for Payments
An Overview of Continuous Integration, Delivery and Testing for Payments
The growth of our global economy has created payments systems that have grown too intricate and change too quickly for any organization to risk deployments without frequent, comprehensive regression testing. No company can hire enough people to manually perform the testing necessary in the time available within a release cycle. Automation of the software build and delivery cycle, as well as test execution and verication is required. This article explains how Continuous Integration, Continuous Delivery and Continuous Testing can help your organization deliver quality code faster.

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10 Steps Toward Better Black Box Testing
10 Steps Toward Better Black Box Testing
Black box testing of financial transactions—that is, testing system input and output without examining the internal workings of the code—may seem mundane and simplistic to some people in your organization. However, when financial transaction testing focuses only on whether or not a product works “correctly” after a change is made, this testing has failed to address one of the most important aspects of black box testing: verifying that the change makes sense to your users.

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It’s Not About the Clicks: Understanding the Other 90% of ePayments Testing Activity
It’s Not About the Clicks: Understanding the Other 90% of ePayments Testing Activity
When organizations think about how to improve their testing, all too often they focus on the “clicks”—or how to programmatically accomplish what is perceived as the push-button process of ePayments testing. However, for those for whom testing is a primary responsibility, it is apparent that testing payments systems involves a wide range of activities—and that the time and effort required to conduct the tests likely represents only 10% of the entire testing process. This article examines the tasks associated with electronic payments system testing and helps you understand the tasks that actually make up the bulk of ePayments testing activities.

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Electronic Payments Testing: A Testing Terminology Primer
Electronic Payments Testing: A Testing  Terminology Primer
Unit testing, integrated testing, functional testing, regression testing, system testing, acceptance testing—how do all of these terms relate to electronic payments testing? Everyone who uses your system is a tester of sorts, but who is responsible for each type of testing, and when does it occur in the development and testing schedule? This article provides an introduction to terms frequently used in financial transaction testing and describes the roles of the testers that are most often responsible for these processes.

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Managing Financial Network Mandate Testing
Managing Financial Network Mandate Testing
An old adage says “Nothing is certain but death and taxes,” but for testers in the financial industry, network mandates are just as inevitable—however, they need not be as unwelcome. Careful planning can make creating test plans for network mandates more efficient and less stressful.

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Playing the Numbers: Assigning EFT Testing Priorities
Playing the Numbers: Assigning EFT Testing Priorities
No organization can test everything. So how do you make intelligent decisions about which tests to include in your EFT regression testing? How do you create a test plan that makes the most of your test resources? This article offers one approach to categorizing and prioritizing your regression testing of electronic payments.

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EMV

EMV Card Fraud: Can Your Fraud Detection System Identify Suspect Chip Card Transactions?
EMV Card Fraud: Can Your Fraud Detection System Identify Suspect Chip Card Transactions?
While EMV(chip) cards offer increased security and significant reduction of fraud, chip-and-PIN technology cannot eliminate EMV card fraud entirely. As an EMV card issuer, you must test your fraud detection system to ensure that when suspicious chip card transactions occur, they are promptly identified.

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What is Fallback?
What is Fallback?
As you start to learn about EMV, you will hear many new terms that may initially be confusing. In this article, we will take a look at the “fallback” scenario.

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Comparing Chip Card and Magnetic Stripe Card Transaction Flows
Comparing Chip Card and Magnetic Stripe Card Transaction Flows
As you begin to learn about chip card (A.K.A. smart card or EMV) transactions, sometimes it is helpful to start with what you know: the familiar magnetic stripe card transaction. In this introduction to chip card processing, this article examines the similarities and differences in the magnetic stripe card transaction flow and the chip card transaction flow.

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Chip Cards 101: The What and Why of EMV
Chip Cards 101: The What and Why of EMV
Today your organization may not be ready to support chip-based payment cards and payment terminals. However, you can begin today to learn more about chip cards, the EMV standards, and what they mean to your organization. This article provides a starting point for your organization as you begin considering your EMV implementation.

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EMV: Your Best Defense Against Counterfeit Card Fraud
EMV: Your Best Defense Against Counterfeit Card Fraud
Counterfeit card fraud occurs when criminals create counterfeit cards from stolen card data and use those cards for illegitimate transactions. Most often the card data has been stolen (or skimmed) from the card’s magnetic stripe during legitimate card use.

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Beyond Cards and Terminals: Considerations for Testing Host-to-Host EMV Processing
Beyond Cards and Terminals: Considerations for Testing Host-to-Host EMV Processing
Most EMV testing focuses on cards and terminals. Card and terminal functionality is critical, but verifying your EMV implementation also means testing changes related to your host processing and transaction message flow. What are these “host-to-host” changes related to EMV transaction processing?

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EMV Implementation for Acquirers: 11 Questions to Answer When Formulating Your EMV Device Budget and Timeline
EMV Implementation for Acquirers: 11 Questions to Answer When Formulating Your EMV Device Budget and Timeline
When your institution is planning an EMV implementation (that is the implementation of the Europay, MasterCard, Visa standard for integrated chip cards), it’s easy to get overwhelmed by the project scope.

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EMV Implementation for Issuers: 7 Decisions You Must Make Before Issuing Your First Chip Card
EMV Implementation for Issuers: 7 Decisions You Must Make Before Issuing Your First Chip Card
Even if your organization has been issuing magnetic stripe cards for years, you realize the switch to issuing chip cards (sometimes referred to as EMV cards, ICCs [integrated circuit cards], or smart cards) is much more complicated than simply adding a microchip to your card design specs and choosing a chip card manufacturer to produce the plastics.

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Modifying Your ATMs to Support EMV
Modifying Your ATMs to Support EMV
Terminal owners in the U.S. must ensure that their ATMs are ready to accept EMVTM chip cards by October 1, 2016 (all MasterCard-branded and Pulse co-branded products) and October 1, 2017 (Visa and/or PLUS-branded products). A review of the items in this article will help you determine if changes need to be made in order for your ATMs to be EMV-compliant.

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ISO 8583 Testing

Developing a Test Plan for ISO 8583 Financial Messages
Developing a Test Plan for ISO 8583  Financial Messages
Many financial institutions, processors, and interchanges use ISO 8583 based message formats. Mandates, new products, software updates – and, most recently, the new processing required for chip cards—demand thorough testing of new and expanded messages, as well as related batch processes and reporting.

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ISO 8583 Message Testing: Five Insights into Testing Your Not-Necessarily-Standard ISO 8583 Message Format
ISO 8583 Message Testing: Five Insights into Testing Your Not-Necessarily-Standard ISO 8583 Message Format
As you grow familiar with the ISO 8583 standards for financial messages, you discover that financial institutions interpret and apply those standards in a variety of ways. Although there are a number of ISO primers to help you understand the “basics” of ISO 8583, when developing a test plan for your ISO 8583 message format, you must determine what is unique about your financial institution’s application of the ISO 8583 standards. Armed with that information, you can improve your test plan by expanding your testing to cover those unique areas. In this article, we describe five areas in which your ISO 8583 messages may not be as “standard” as you think.

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Performance Testing

How End-to-End Payment Systems Testing Really Ends: Evaluating Performance, Reliability and Recoverability
How End-to-End Payment Systems Testing Really Ends: Evaluating Performance, Reliability and Recoverability
Do end-to-end test plans end too soon? Perhaps—if they do not include meaningful performance and stress testing. Perceived as expensive and difficult to execute, performance testing and stress testing are often eliminated from the test schedule in favor of other test options. However, as institutions face significant changes in systems, product offerings, and delivery channels; the ability to unequivocally determine system capacity, reliability, and recoverability is essential. This article illustrates that this “last mile” of payment systems testing doesn’t need to be the hardest.

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