I don't quite understand this comment. In my experience, payment processors (and related services) are somewhat unique in providing test gateways & APIs. Unlike other API services you can write integration tests against their test gateways. What are part of our industries is that normal? Most API-first services don't provide test endpoints at all.
In my experience, payment processors (and related services) are somewhat unique in providing test gateways & APIs.
They are also somewhat unique in that they handle real money. You don't need a simulated API if you're sending an email or SMS message to a designated recipient or downloading the local weather forecast or traffic news, because there are no significant and irreversible consequences to these actions anyway.