If you'd like to receive your payouts sooner, then you can consider signing up for a Shopify Balance account. However, we don't recommend placing an actual order using your own credit card for testing Shopify Payments. Instead, we'd recommend having a friend or family member place an order for you if you'd like the test to be an actual order.
That being said, I noticed that you're a new member of our Shopify Community and I'd love to hear more about your business. What kinds of products are you selling? Do you have a marketing plan prepared for your store?
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