Payments & Embedded Finance

Test automation for payment orchestration — where a declined transaction is lost revenue.

You route across PSPs, handle 3DS and SCA, retry soft declines and reconcile refunds — and any of those paths can break silently on a deploy. ScaleQA builds and maintains the Playwright coverage for the flows that move money, delivered as clean pull requests in your repo — and we never paint green what should be red.

Already running Playwright? The self-healer is free.

Built for regulated money flows

Your payment flows never leave your infrastructure.

Most QA platforms need your app — and your test data — on their cloud. For a business under PCI-DSS and PSD2, that's another vendor inside your compliance scope and another place your cardholder flows can leak. ScaleQA works the other way around.

Your code, your repo

Every test we write lands as a pull request in your repository. You own it, review it, and keep it — nothing is locked inside a vendor platform.

Your data stays in your network

Tests run in your CI, against your environments. Card data and tokens never transit a ScaleQA-hosted service. The free self-healer's reporter sends only selector diffs — never your test logic or payloads.

No new compliance perimeter

Because nothing sensitive moves to us, you don't extend your PCI-DSS / PSD2 scope to another SaaS. The one thing platform-based QA vendors can't offer is our default.

The scrutiny you put every vendor through? We're built to pass it.

The money paths you can't afford to ship broken.

It's never the marketing page. You deploy daily, and these flows — the ones that move real money — change with every release. They need automated coverage that keeps pace, or a regression reaches production.

3DS & SCA challenges

A deploy changes the challenge iframe or your SCA exemption logic, and the test can't complete authentication. The flow that gates every European card payment goes uncovered.

Soft declines & retry routing

Issuers soft-decline constantly; revenue depends on smart retries and fallback to a second PSP. A regression here quietly drops the transactions you were recovering.

Idempotency

A retried request that isn't idempotent becomes a double charge — then a chargeback, a refund and a support ticket. The hardest bug to catch by hand, and the most expensive to ship.

Refunds & reconciliation

Partial refunds, currency rounding, settlement reports. When these drift, finance and merchants notice before your dashboards do.

We never paint a real payment bug green.

Most self-healing tools optimise for a passing pipeline. For a payments platform, a tool that "heals" past a broken capture is hiding the exact bug that costs you money and trust. Ours classifies every failure before it acts:

  • Fix Selector drift — a renamed field in your checkout — we fix it and open a PR.
  • Flag PSP sandbox down, 5xx or timeouts — we flag it as infrastructure, not a test or app bug.
  • Refuse A possible real regression in a charge, refund, retry or 3DS path — we refuse to touch it and alert you.
ScaleQA Scout · Free · No setup

The edge cases your deterministic tests will never reach.

Card type × issuer × currency × 3DS version × decline reason × retry path — the combinatorial space of a payment flow is enormous, and the cases that cost real money are exactly the ones no one had time to script. Scout explores them autonomously and reports what breaks.

The flows we cover.

On the web

  • Checkout with a 3DS challenge — both frictionless and challenge flows.
  • Retry and fallback routing after a soft decline.
  • Refund and partial-refund from the merchant dashboard.
  • Currency- and country-specific checkout variants.

On the API

  • Authorize → capture → settle with idempotency keys: no double charges on retry.
  • Webhook signature verification and safe retry / replay handling.

Already running Playwright? Start free.

Payments infra teams usually have a mature Playwright suite. Install the self-healer on a repo, and the next time a deploy renames a selector your checkout test relies on, you'll get a validated PR with the fix — and it never touches your charge, refund or 3DS logic. Free, no call.

Full coverage

Cover the money paths you can't ship blind.

The free self-healer keeps a suite you already have green. When you want 3DS, retries, idempotency and refunds automated and maintained for you — without pulling engineers off the roadmap — that's the Hub. Let's map your coverage.