Making a live-mode test payment to yourself = a payment processor ToS violation?

Re:Making a live-mode test payment to yourself = a payment p... by king_of_goats on Sunday January 26, 2025 @11:53PM (#42837553)

Absolutely makes sense to have something like that, for genuine scammers, mass offenders, etc. But being but on that list for a few measly test payments to make sure your software is working properly? That to me sounds LUDICROUS.

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Re:Making a live-mode test payment to yourself = a payment p... by uudecoded on Sunday January 26, 2025 @11:57PM (#42837570)

You'll be fine. BUT be sure to keep your live card out of a testing environment, because that's a PCI violation.

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Re:Making a live-mode test payment to yourself = a payment p... by _DeadFred_ on Monday January 27, 2025 @12:30AM (#42837739)

When I worked on PCI certified software it was a 'you will be fired' thing. If you are just implementing something for a single customer and they have a processor account for a single site, I wouldn't do it but I guess you could. But if they have say 40 sites using this payment processor, and you could bring down all 40 sites so that they can't make any sales?

Edit: Do you really think banks' compliance departments are going to care about your argument? 'I was only doing this thing your documentation says not to do a few times'? 'I only knowing made the first transactions across your gateway in intentional violation of your requirements but I was going to stop violating them later'? Do you want to put your job/work on the line for that?

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