Enhancing Payment Gateway Simulation for Developer Testing

EasyChair Preprint 15943

Abstract

The ability to test payment gateways in a controlled environment is crucial for developers working with ecommerce platforms and financial applications. Traditional payment gateways introduce challenges such as regulatory constraints, financial risks, and complex integration procedures. This research presents an enhanced payment gateway simulation designed to provide a realistic and secure testing environment, addressing these issues while improving usability and security. The proposed model replicates real-world transaction scenarios, incorporating encryption, tokenization, and AI-driven fraud detection to enhance security. Additionally, features such as webhook testing, transaction state management, and comprehensive logging are implemented to facilitate debugging and integration. Performance evaluations demonstrate that the simulation improves API security, reduces debugging time, and enhances transaction accuracy. By offering a cost-effective and risk-free alternative to live payment gateways, this research contributes to the development of more secure and efficient e-commerce platforms. Future advancements may include blockchain integration, automated compliance testing, and improved fraud detection mechanisms to further refine the simulation's capabilities.

Keyphrases: API Security, E-commerce Transactions, Encryption and Tokenization, Payment Gateway Simulation, Risk-Free Testing, Webhook Testing, fraud detection

@booklet{EasyChair:15943,
  author    = {Aayush Singh and Vaibhavi Parikh},
  title     = {Enhancing Payment Gateway Simulation for Developer Testing},
  howpublished = {EasyChair Preprint 15943},
  year      = {EasyChair, 2025}}