Software Testing Specialist - Card Management & Payment Switch

Job Summary

We are seeking a skilled Testing Specialist with expertise in Card Management Systems (CMS) and Payment Switch technologies to ensure the reliability, security, and performance of our financial transaction processing systems. The ideal candidate will have hands-on experience in functional, integration, and regression testing for card issuance, transaction routing, authorization, clearing, and settlement processes.

Key Responsibilities

Test Planning & Strategy:

Develop test plans, test cases, and scripts for card management (issuance, PIN generation, card lifecycle) and payment switch (transaction routing, authorization, fraud checks, settlement) functionalities

Define test scenarios for EMV, ISO 8583, PCI-DSS compliance, and NFC/contactless payments

Functional & Integration Testing:

Validate end-to-end transaction flows (ATM, POS, e-commerce) across issuers, acquirers, and payment networks

Test dispute handling, chargebacks, reversals, and reconciliation processes

Verify integration with third-party processors, banks, and fraud detection systems

Performance & Security Testing:

Conduct load/stress testing to ensure the payment switch handles high transaction volumes

Validate data encryption, tokenization, and PCI compliance in card transactions

Defect Management:

Log, track, and retest defects using tools like JIRA,

Collaborate with developers to troubleshoot issues in authorization declines, timeout errors, or settlement failures

Automation & Tools:

Automate test cases using Postman, SOAP UI or payment simulators

Work with payment switch vendors (e.g., ACI, FIS, IST) or CMS platforms ( Cortex,.)

Regulatory & Compliance Testing:

Ensure adherence to EMV, PCI-DSS, PSD2, and local payment regulations

Validate 3DS (3-D Secure) authentication and tokenization (e.g., Visa Token Service)

Requirements

Experience: 3+ years in testing card management systems (CMS), payment switches, or transaction processing platforms

Technical Knowledge:

Payment protocols: ISO 8583, ISO 20022, REST APIs

Card schemes: Visa, Mastercard or other networks

Testing tools: Postman, JMeter, SQL

Domain Knowledge:

Understanding of ATM/POS transactions, mobile payments, and fraud detection

Familiarity with HPSM, Base24, or similar switch technologies

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