Testing Payment Method ... how?

I am now about studying the documentation about "payment methods".
I was surprised by something, I really need an answer to understand, because it seems dangerous for me unless I not understand.
(I have not touched oder edit any payment pluins, all are at default)


* I have create a testcustomer with address.
* So this testcustomer buy 1 item and checkout.
* choosing Creditcard payment

NOW it offers me windows, where I can enter choose Visa, Eurocard, Discover and American Express.

Help:
What would happen, if I would enter the details of a real working creditcard ???
And where gets the money ???
Somewhere in the webshop I guess, I should enter that I as the owner wants this money !!

Pls help me here.
Sorry for being a rookie.

blackhawk24 wrote:
This is how we do our credit card payment tests:
- First you have to affiliate (like opening an account or registering) with the corresonding bank or payment entity (paypal, or so). After that you get an affiliation number or a payment account number or so.With banks you will have to have a bank account where the monies from payments are transfered. Entities like paypal open you a virtual account with them where the monies go and from which then you make transfers to your regular bank account.
- Some banks and payment entities provide you with a test envirenment with a test affiliation number and test credit card numbers and require you to first make your tests on that instance, and provide them with proof of your succesful tests (usually print screens).
When we go into production environment we create a test product with the minimum price (example $1 or even $01.10) for the minimum payment allowed by the bank or entity. We make all kinds of test: with invalid credit card nubers, expirations dates and or securitie codes, etc., and then real transactions (for the minimum amount) using a couple of different valid credit cards.The monies of those payments will go to your account so the only think you lose is the comision (%) they charge you in each payment.
I hope this helps

Thank you so much, Eduardo.
Wii try to make according to your procedure.

I am using nopcommerce website on my domain www.vijaydeals.com , i m looking for help, i want to upgrade the payment method on my
website, i am not able to do it on my hand, here is what i want,  lets say i have 4 different product A, B, C and D now i want to give cash on delivery
only on product A, but i want COD and credit and debit card payment on all 4 products, how will it be done, please help,  As soon as possible

NopCommerce can't do conditional payment methods out-of-the-box.  Payment Director can do them.  Example
Payment Director - Pay In Store available only for In-Store Pickup

However, you can't split a cart into two orders, and an order can only have one payment method.  Thus, if cart contains A & B, then Payment Director can be configured to show only COD, but it can't show COD for A, and credit/debit for B.

blackhawk24 wrote:

Any reputable processing company will give you a sandbox account that you can test against.  It will take real numbers or fake ones like 4111111111111111 and give you success or fail responses without actually charging the card.  They will also give you test criteria to see how your code handles certain situations.  An example would be any dollar amount ending in .05 will return a failure, .06 will return some other fault, etc.  Those details will be different depending on the processor.  That way you can see how your code handles the processor being offline or the customer getting declined without actually waiting for that to happen.