>Every single place that I ever worked at in a past 20 years tests payments using real cards and real API endpoints. Yes, refunds cost a few pennies and sometim

>Every single place that I ever worked at in a past 20 years tests payments using real cards and real API endpoints. Yes, refunds cost a few pennies and sometimes can't be automated, but most payment providers simply do not offer testing APIs of a sufficient quality. I think this means their own real-money credit cards, that they spend a few bucks on for testing purposes. Not customer credit-card data.