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There you can see auth/post/settle transactions (as if they’d really happened) etc.
Test sites cost too, but they’re usually MUCH cheaper – since they don’t really have to bother banks and such – so you might get by with one or two cents a transaction – or a half-cent per – depending on the site. Depending on the site, it will either accept a limited range of valid card numbers, or (as the one I use does) any facially valid card is accepted. If you’re using a test site, it doesn’t give a damn.
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I’m doing something similar (generating a load of cc Luhn numbers) to test an ecommerce site and don’t want to accidentally have somebody billed.