Nex-G Innovations

The objective of this training program is to equip participants with practical knowledge and skills to test and automate card payment systems, including payment gateways, POS terminals, issuing and acquiring platforms, and transaction processing systems. Participants will learn to validate ISO 8583 messages, understand EMV transaction flows, perform REST API testing using Postman, develop automated test scripts using Python and testing frameworks, and execute functional, integration, regression, security, performance, and reconciliation tests.

The program also focuses on identifying transaction failures, handling reversals and duplicate payments, analyzing defects, and developing an end-to-end automated payment testing framework through hands-on exercises and a capstone project.

Code: NES_SK_46519

Duration: 4 Weeks / 40 Hrs / Customized

Mode: Corporate (Instructor Led Online / Onsite), Individual (Instructor Led Online)

Certification: Certified Card Payment Testing Professional

+91-8826900551

• Card payment ecosystem: issuer, acquirer, processor, scheme, switch, merchant and terminal
• Debit, credit, prepaid, ATM, POS, e-commerce, contactless and mobile-wallet flows
• Card-present (CP) vs card-not-present (CNP); domestic, cross-border and recurring payments
• End-to-end transaction lifecycle: authorization, clearing, settlement, reconciliation and disputes
• Test strategy, scope, assumptions, dependencies, risk-based testing and test entry/exit criteria
• Test environments, test data, scheme/processor dependencies and certification overview

Module 2 — Card Issuing, Acquiring & EMV Test Design

• Issuing/acquiring components and interface boundaries
• PAN/BIN, expiry, service code, Track 1/2 concepts, chip data and card profiles
• EMV contact/contactless flow; terminal, kernel and card responsibilities
• APDU command/response concepts; SELECT, GPO, READ RECORD and GENERATE AC
• DE55 / EMV TLV data, BER-TLV parsing and tag validation
• CVM, online/offline PIN, signature, CDCVM, CVV/CVC and tokenized payment concepts
• Positive, negative, boundary, decision-table and pairwise test design

Module 3 — ISO 8583, Switch & API Testing

• ISO 8583 message anatomy: MTI, bitmap, data elements and message correlation
• Key fields: DE2, DE3, DE4, DE7, DE11, DE18, DE22, DE25, DE35, DE37, DE39, DE41, DE42, DE49, DE52, DE55
• Authorization request/response, advice, reversal, network management and timeout flows
• Field format, mandatory/conditional fields, code tables, length and encoding validation
• ISO 20022 awareness and mapping/interoperability test considerations where applicable
• REST API testing with Postman: auth, headers, schemas, status codes, idempotency and negative cases
• Correlation IDs, duplicate messages, retries, late responses and downstream failures

Module 4 — HSM, PIN & Payment Security Testing

• HSM role and cryptographic boundaries in card processing
• PIN block concepts and ISO 9564 awareness; PIN verification and translation test scenarios
• Key hierarchy and lifecycle: LMK, ZMK, ZPK, TMK, TPK, PVK and CVK concepts
• Key loading, rotation, dual control, split knowledge and role separation
• MAC, CVV/CVC, ARQC/ARPC and cryptogram validation at a conceptual/test level
• Negative tests for invalid keys, wrong PIN, malformed cryptograms and HSM unavailable
• Security test data handling, masking, logging checks and audit evidence
• Never use production PAN/PIN/key material in training or test environments

Module 5 — Functional, Integration & End-to-End Testing

• POS/ATM/e-commerce to acquirer, switch, scheme simulator and issuer simulator flow
• Authorization outcomes: approve, decline, partial approval (where supported), referral and stand-in processing
• EMV chip/contactless, magstripe fallback, contactless limits and CVM outcomes
• CNP: e-commerce, MOTO, recurring, tokenized transactions and 3-D Secure integration points
• Reversal, void, refund, completion, advice, timeout, duplicate and partial-failure scenarios
• Host simulator/stub use; contract testing and interface mapping
• Batch/file processing, clearing presentment and settlement integration checks
• Build traceability from requirement → test case → execution evidence → defect

Module 6 — Non-Functional, Resilience & Observability Testing

• Performance concepts: throughput, TPS, latency percentiles, concurrency and capacity
• Load, stress, spike, endurance and volume tests; realistic transaction mixes
• Resilience tests: switch/issuer timeout, network loss, processor failover and recovery
• Retry/backoff, idempotency, duplicate prevention and transaction-state consistency
• Availability, recovery, queue depth and batch-window checks
• Log/metrics/traces, correlation IDs, dashboards, alert validation and incident evidence
• Tools overview: JMeter or k6; API checks with Postman; log analysis with Kibana/Splunk where available

Module 7 — Clearing, Settlement, Reconciliation & Disputes Testing

• Authorization vs clearing/presentment vs settlement lifecycle
• Capture, clearing files, interchange/fees, settlement totals and merchant funding concepts
• Reconciliation across terminal/merchant, acquirer, scheme, issuer and general ledger
• Matched, unmatched, duplicate, missing, late and amount/currency-mismatch records
• Refunds, reversals, chargebacks, representment and dispute status transitions
• Cut-off times, business dates, time zones, currency precision and rounding
• Exception queues, repair/reprocess controls and financial balancing

Module 8 — Fraud, Compliance, Defects & Test Closure

• Fraud rule outcomes: velocity, suspicious patterns, lost/stolen card and unusual transaction tests
• 3-D Secure / authentication outcomes and step-up flows where applicable
• PCI DSS awareness, sensitive authentication data handling, masking and least privilege
• Audit trail, access control, retention and test evidence requirements
• Defect lifecycle: severity/priority, reproduction, logs, root-cause collaboration and retest
• Regression, smoke, sanity, UAT support, release sign-off and test summary reporting
• Defect leakage, pass rate, coverage, execution progress and risk-based release recommendation

Module 9 — Python-Based Payment Test Automation

• Python fundamentals for test automation
• Automated API requests, response parsing and assertions
• Test organization using Pytest or Robot Framework
• Parameterized test cases and reusable test utilities
• Test data management, logging, exception handling and evidence capture
• Regression test execution and basic CI/CD integration concepts

Module 10 — Capstone Practical: Simulated Card Payment Test Cycle

• Create a small end-to-end scenario set for sale, decline, reversal, refund and timeout
• Execute API/message tests using a simulator or mock environment
• Validate key ISO 8583 fields, response codes, duplicate handling and transaction status
• Run reconciliation checks and investigate deliberately seeded exceptions
• Record defects, attach evidence, retest fixes and prepare a test completion report

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