You need to do the following before you begin testing.
- Gather proper data for the dummy cards, including visa, master, etc.
- Gather payment gateway information, like PayPal.
- Gather error codes related to the payment gateway.
- Know the parameters that are passed through the payment gateway.
- Know the information that are passed through query string.
- Check the language of the payment gateway and the application.
References – https://www.360logica.com/blog/