Re: X-payments - test mode
When I configured my xpayments, my merchant account help desk told me NOT to use test mode. They gave me a "fake" credit card number that will be valid to their system - they had me test in live mode, then they voided the transaction before the batch. I remember hearing from others that test mode doesn't always give the results we are after -- but testing in live mode with a fake credit card is how some merchant accounts work... hope this helps.
xcart 4.5.4 gold+ w/x-payments 1.0.6; xcart gold 4.4.4