Test Mode allows the merchant to toggle their entire active gateway account into and out of Test Mode. While in Test Mode, merchants can submit test transactions to the Payment Gateway. Test transactions submitted while the account is in Test Mode are not live and do not charge real credit cards.
https://support.nmi.com/hc/en-gb/articles/14376995063825-Test-Mode
PLEASE NOTE: NMI and Allied Payments Gateway Are The Same
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