Merchant Acquiring Testing

About This Role

We are seeking a Merchant Testing Analyst with strong experience in card payments, merchant transaction flows, and payment systems testing. The role involves validating Debit, Credit, and Prepaid card transactions across multiple channels

The candidate will work closely with payment gateways, switch providers, and banking systems to ensure seamless transaction processing and system reliability.

Key Responsibilities

Transaction Testing Test Debit, Credit, and Prepaid card transactions across multiple payment channels. Validate transaction processing on: ATM Cash withdrawal, balance inquiry, mini statement. POS Purchase, refund, reversal, pre-authorization. E-commerce Payment authorization, 3D Secure authentication, OTP validation. Payment Systems Validation Work with Card Management Systems (CMS) for card lifecycle testing.Validate authorization, clearing, and settlement processes.Test merchant onboarding and transaction routing flows.

Perform end-to-end testing including: Functional Testing Integration Testing Regression Testing System Testing UAT (User Acceptance Testing) Production validation and sanity testing.Standards & Compliance Testing

Log and track defects using tools such as JIRA / HP ALM / Quality Center.Perform root cause analysis and coordinate with development teams for fixes.Validate defect fixes through regression testing.Production SupportAssist in production issue analysis and troubleshooting.Monitor transaction failures and support resolution.Validate hotfix deployments and emergency releases. Reporting & Documentation Prepare test cases, test scenarios, and test execution reports.Maintain test data and test evidence documentation.

Strong understanding of Card Lifecycle:Card issuanceActivationPIN generationAuthorizationClearing & SettlementKnowledge of ISO 8583 messaging structure.Understanding of Visa and Mastercard transaction flows.Experience with ATM and POS simulators.Basic SQL knowledge for backend validation.Experience with API testing tools (Postman / SoapUI).Familiarity with payment gateways and switch systems.Knowledge of EMV chip transaction processing.Banking & Payments KnowledgeUnderstanding of chargeback and dispute management process.Basic knowledge of fraud monitoring and risk rules.Experience in transaction reconciliation and settlement validation. Knowledge of scheme compliance and card network regulations.