What negative test cases would you create for credit card/debit card payment validation on a payment page?

📌 Need

Payment gateways must be robust and immune to security vulnerabilities to ensure customer trust. To validate this, we need negative test cases for credit/debit card payment validation.

🔍 What is it

Negative test cases for credit/debit card payment validation are scenarios where incorrect or invalid data is deliberately inputted to test the system's error handling capabilities. Examples of negative test cases include:

  1. Entering an expired card.
  2. Using a card with insufficient funds.
  3. Inputting incorrect card details like incorrect CVV, card number, or expiry date.
  4. Entering a card number that does not match the selected card type.
  5. Testing with a blocked or reported stolen card.

❓ How

Negative test cases are used to validate the system's ability to handle errors and exceptions. The system should be able to reject invalid payments and provide appropriate error messages. For instance, if a user enters an expired card, the system should reject the payment and inform the user that the card is expired. The intention is to ensure the system can handle errors gracefully and maintain a high level of security and reliability in the payment process.